The risk you select is the rate you file.
Property attributes, peril scores and the replacement-cost inputs that feed rating come from the same record the underwriter saw. Filing-ready output packages document the method behind every score.
Solutions / P&C Insurance
Your book reacts at bind.
Your live, treaty-aware, portfolio. From the parcel that hasn't been submitted yet to the cession booked at bind, Prometheus keeps a single source of truth for exposure: parcel-level, deterministic, and auditable to the source. Not another score. Not another point solution. The operating system for real world risk.
- Exposure management
- Chief underwriting officer
- Frontline underwriting
- Ceded reinsurance
- Actuarial & pricing
- CAT response
Underwriting workflowDecision velocity.
Decision velocity.
Confidence at every step.
The insights you need, at the scale your portfolio demands. Prometheus brings property evidence, portfolio context, and underwriting rules into one workflow, so your team can resolve issues, evaluate terms, and act with confidence from submission to quote, quote to bind, bind to renewal, and every step in between.
Why a score is not enoughSelection ↔ Pricing Bind ↔ Concentration Hazard ↔ Imagery Appetite ↔ Outbound
Four loops a data vendor can't close.
Incumbents sell inputs, a score, a layer, a report, and stay neutral about what you do with them. Prometheus holds the parcel and the book in the same state, so every decision writes back into the next one.
Every bind updates the book. Instantly.
Con-Q keeps the portfolio live on an H3 grid. A bind or endorsement re-aggregates the cell, evaluates the treaty programme and tells you how much headroom is left, at bind, not at quarter-close.
The model looks at the roof, not the ZIP.
Peril models read structure-level attributes derived from imagery: roof material, age and condition, defensible space, wind-mitigation features. When the imagery changes, the score is re-read.
Appetite becomes a target list.
Define appetite once. Screen the property universe against it, filter by concentration impact, and hand distribution a ranked prospect set that will not blow the accumulation you just protected.
01What Prometheus does
The whole property-risk stack. One record. One credit.
Every capability is on the platform at every tier. No module licences, no peril fees. Complexity lives in the work, not in the contract.
Resolve
the rooftop.
Address standardised, geocoded to the rooftop, resolved to the parcel polygon, keyed to a canonical property. Interpolation only as a flagged fallback. Every record carries a confidence tier reported to the NSSDA standard.
Compass · DerechoRead
the structure.
Building characteristics, occupancy and use, permit and construction history, distance to hazard features, multi-building sites, and structure attributes derived from imagery. Provenance and confidence on every value, free to inspect.
Compass · Earth ObservatoryKnow
the roof.
Material, age, condition, measurements, five-year history and change since last look. Screen a whole book, confirm a replacement, assess damage after the event. Florida secondary roof modifiers on a documented waterfall.
Roof AnalyticsScore
the peril at the structure.
Wildfire with WUI and defensible space (Pyre); hurricane and wind-mitigation detection (Vigil); hail, convective storm, flood depth and frequency, storm surge, earthquake, non-weather water. All-peril screening on every submission.
Pyre · Vigil · RiskRankKeep
the book live.
Treaty-aware H3 accumulation with continuous residency. Rings, zones and custom polygons. Scenario runs, stress tests, live CAT intersection, hotspot maps, prospective portfolios, exposure redistribution, gross-to-net treaty application.
Con-QAsk
the book a question.
GAIA answers in plain language over your resident data: what a number is, how it was produced, what changed. Jetstream watches the book and fires the workflow when the world moves. Fulcrum runs it and syncs the policy system.
GAIA · Jetstream · FulcrumYour submissions, book & treatiesPAS · bordereaux · CAT models · appetite
PrometheusOne live state of exposure
Your decisions, in contextQuote · Bind · Refer · Cede · File
02The work it changes
From submission to cession without changing screens.
Deterministic exposure math inside the workflows your teams already run. Every step traceable, every rule yours, final authority retained.
Decline in seconds. Quote with the roof in view.
A submission arrives. Fulcrum parses it, resolves the location, screens all perils and checks appetite. Out-of-appetite risks route to an auto-decline queue. The rest reach the underwriter with the roof, the hazards and the book already attached.
See the pre-bind checkSubmission HO-2261 / ExampleHuman review
- 01Parse and resolve the submissionRooftop · parcel · key
- 02Screen all perils and appetite12 of 12 criteria
- 03Attach roof state and hazard packEvidence linked
Recommended next stepQuote-ready → underwriter
03Ask the book
Questions your book can now answer.
GAIA runs over the resident state of your portfolio. Asking is free; analysis is metered; every answer shows how the number was produced.
Ask GAIA / Examples
GAIA / Answer
2,314 policies · $1.41B TIV · 61% with roofs older than 15 years.
Ranked by TIV and roof age, with the wind-mitigation features detected on each structure. List exported to the CAT desk; imagery tasking armed for the priority ring.
MDLHow it was produced → Con-Q event intersection · Roof Analytics roof-age model · Jetstream weather-hazards-live
04Where the incumbents stop
Inputs versus an operating system.
The property-risk vendor landscape sells data neutrally: a score here, a layer there, a report at renewal. None of it knows what you did with it. Prometheus does.
| Dimension | The incumbent way | With Prometheus |
|---|---|---|
| Location | Interpolated along the street centreline; error grows with parcel size. | Rooftop → parcel polygon; interpolation only as a flagged fallback; confidence tier on every record. |
| Accumulation | Quarter-close aggregation from a warehouse. The book is a display. | Live H3 residency. Every bind re-aggregates the cell and evaluates the treaty. |
| Peril models | Territory or ZIP-level factors; black-box scores licensed per peril. | Structure-level deterministic scores with method documentation and filing-ready packages; all perils on one platform. |
| Imagery | A separate vendor, invoice and refresh cycle. | Structure attributes and change detection feed the peril models and the roof record directly. |
| Commercials | Platform fee + per-peril licence + seats + overage. | One universal credit. One commitment, 100% convertible to consumption. No module, peril or seat fees. No overage. |
05Evidence
Numbers we are prepared to be audited on.
We publish what we can scope. Where a figure is an internal benchmark, it says so.
403,352
properties resolved in 36 minutes in a partner carrier's portfolio audit.
37.9 m
median positional error of the incumbent geocoder on that portfolio; 69.2% of records off by more than 25 m.
3,000+
counties of parcel coverage. 99% of the U.S. population. Refreshed quarterly.
6.8M
California structures under Pyre's 12-factor wildfire model.
05Evidence & control
A decision you can defend is a decision you can learn from.
Follow the evidence from source and method through rule, reviewer and the conditions at the time. Nothing on the platform produces a number it cannot explain.
Trace the evidence.
Know which source supports the assessment, when it was observed, and where information is missing or uncertain. Confidence and provenance are attached to every value and are free to inspect.
Understand the method.
Distinguish observed conditions from inferred attributes, deterministic calculations and modeled estimates. Every number carries the method and version that produced it.
Retain the authority.
Review thresholds, escalation paths and approval responsibility are configured by you. Prometheus proposes; your people decide. No automated external write without your rule.
File the method, not just the number.
Filing-ready output packages document sources, method and versions behind every score, so the rate you file is the risk you selected.
Work with the existing stack.
API-first, batch and streaming. Sync with the systems of record your teams already use. Dedicated or VPC deployment by SOW when the data cannot leave your walls.
Examine the example record, then bring your own evidence standards and integration requirements to a working session.
06How it's priced
Simple at the contract. Sophisticated underneath.
One universal credit prices every action on the platform. Outcome prices are shared in a sales conversation; the architecture is public.
One universal credit prices every action.
Complexity lives in the credit weight of the work, never in the contract. The next volume band is always cheaper; nothing reprices retroactively.
An annual commitment that converts 100% to consumption.
No platform fee. No module or peril licences. No seat pricing. No overage rate. Every capability at every tier.
The things that should be free are free.
Bind-time accumulation checks, treaty and threshold alerts, reads and re-reads, automation orchestration, Jetstream monitoring, Studio seats, exports.
A production trial, not a demo environment.
Every capability, your data, the real API, metered exactly as production would be, with no commitment. No free proofs of concept: a fixed-fee production pilot credits toward year one.
- Time to value
- Days
- Studio + GAIA standalone. Zero IT lift.
- Weeks
- API inside the live workflow.
- Quarters
- Filed, integrated, churn-proof.
Ask for the rate card and a target-account scenario built on your own volumes.
Neural Earth / Prometheus
Bring the book. We'll bring the evidence.
Evaluate Prometheus against your portfolio and underwriting workflow. Start with a retrodiction: replay your own bound-policy history through Con-Q and see what the book would have known, and when.