Property & Casualty Insurance
Built for carriers, MGAs, and reinsurers writing property risk.
Insured catastrophe losses in the U.S. have exceeded $100 billion annually for multiple consecutive years.
The perils driving those losses — wildfire, flood, and severe convective storms — are shifting year over year in ways that static, historically calibrated models don't reflect.
Most underwriting workflows still depend on fragmented data sources, outdated models, and manual reconciliation.
AI-powered intelligence that pulls every data layer together makes sense of every submission at the speed the market demands.
Regulators and reinsurers are asking harder questions about pricing defensibility.
Carriers that can produce auditable, data-grounded decisions at the individual property level are in a better position at renewal, at DOI review, and at the reinsurance negotiating table.
Outdated hazard models, fragmented data sources, and manual reconciliation across disconnected tools all compound the same way. Pricing reflects conditions that no longer exist. Concentration builds undetected. Decisions that seemed defensible at bind become difficult to explain at renewal. The problem isn't underwriting judgment. It's the information infrastructure those judgments are built on. The same Prometheus intelligence layer is built for commercial real estate investment and asset management teams.
How Prometheus changes the dynamic
Every submission scored against current hazard data the moment it arrives. No manual research, no model lag.
Static models calibrated on historical loss data don't reflect where perils sit today. Prometheus applies continuously updated property-level hazard intelligence to every submission automatically, so pricing reflects current conditions rather than the last time someone updated the model.
Your full underwriting team operating from the same data, the same methodology, at the same speed.
Fragmented tools and manual reconciliation create inconsistency across the team and slow every decision down. Prometheus pulls every relevant data layer into a single workflow so underwriters spend time on judgment, not data gathering.
Pricing decisions that are data-grounded and ready for regulatory or reinsurance review.
DOI reviews, reinsurance renewals, and board-level risk conversations all require defensible data behind every decision. Prometheus keeps a documented, data-grounded record on every submission so your team can respond with confidence when the questions come.
Capabilities
Submission workflow, in-force book, CAT modeling — one intelligence layer with every decision defensible.
Gaia — AI Decision Interface
Ask any question about a submission, a territory, or your full book and get a clear answer.
Gaia is Prometheus' natural language interface. Underwriters, actuaries, and executives ask questions in plain English and get data-grounded answers without needing to know which model to run or which dataset to query.
Fulcrum — Catastrophe Modeling
Your underwriters make faster, more defensible decisions on every submission that comes across their desk.
Fulcrum applies property-level hazard scoring, underwriting logic, and catastrophe modeling to every submission the moment it arrives from a broker or MGA. Every underwriter on your team operates from the same methodology at the same speed, with the same confidence in what they're binding and why.
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Pyre — Wildfire Intelligence
Write profitable WUI business by separating defensible properties from exposed ones at the parcel level.
Pyre delivers address-level wildfire risk scoring for every property in your book or submission queue. It combines vegetation data, structure defensibility, historical fire perimeters, and climate trajectory to give underwriters a single, auditable score they can stand behind — so you stop declining profitable risks alongside exposed ones.
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Compass — Asset Finder
Access the complete data foundation behind every Prometheus risk decision.
Compass provides direct access to the full data layer that powers Prometheus — infrastructure records, parcel data, tax assessor data, and environmental datasets across 150 million-plus U.S. parcels. It connects every signal your models need without your team having to source, clean, or maintain it separately.
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Roof Analytics API
Roof condition, age, material, and risk score — delivered at submission speed via API.
The Roof Analytics API gives your underwriting and rating systems instant access to AI-derived roof intelligence for any U.S. address. Condition assessments, age estimates, slope, and material — all derived from aerial and satellite imagery without requiring an inspection. Integrate directly into your PAS or submission workflow and eliminate the data gap that leads to mispriced roof risk.
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