Descartes Underwriting
Descartes Underwriting is a Paris-headquartered insurtech, founded in 2019, specializing in parametric insurance for climate, natural-catastrophe, cyber, and emerging corporate risks. It operates two complementary entities — Descartes Underwriting, a global parametric managing general agent (MGA), and Descartes Insurance, an ACPR-licensed European full-stack carrier — using AI, satellite imagery, IoT sensor data, and scientific risk models to structure index-based covers that pay out automatically within days when a predefined trigger is met, without a traditional claims-adjustment process. Backed by Battery Ventures and other investors, the company serves 600+ large corporations and public entities through corporate brokers across 20+ offices worldwide. No public developer API or documentation is published; the company distributes coverage through brokers rather than a self-serve API surface.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles Descartes Underwriting the way a machine reads it — 1 machine-readable artifact, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Descartes Underwriting scores 15.6/100 (emerging), with a separate agent-readiness read of 0/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Descartes Underwriting
Each block below is one kind of artifact we hold for Descartes Underwriting. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
Security Posture 1
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Descartes Underwriting — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 1
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
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