LIVE · REAL-TIME CAT INTELLIGENCE

Underwrite catastrophe risk with confidence.

PerilIntel scores any Canadian address against live wildfire, flood, storm and earthquake feeds — and returns an underwriting verdict and pre-bind clearance in seconds. Built for carriers, MGAs and brokers.

Request a demo See how it works

—fires tracked

—storm / hail warnings banked

—flood events

Live from our national collection engine — every event banked, growing daily.

The PerilIntel console — address-level hazard map and triage verdict

The live PerilIntel console — address-level hazard, peril layers and triage verdict.

Why it matters

Property is being underwritten blind into a record cat-loss era.

$8B+

Insured catastrophe losses in Canada in 2024 — a record year of wildfire, hail and flood.

3–4×

Growth in annual Canadian cat losses over the past decade. The trend line is structural.

seconds

From an address to a scored verdict and a clear-to-bind answer — at the point of underwriting.

How it works

An address in. A decision out.

One API call, or the live console — same engine either way.

Send an address

Your quote system passes the risk address (or coordinates) to PerilIntel.

Score & triage

PerilIntel measures distance to active wildfire, flood, hail and quake, returns a 0–100 score and a REFER / REVIEW / CLEAR verdict.

Clear to bind

At bind, a fresh check confirms no active wildfire or flood within range — so you never bind into a live event.

The platform

Modular catastrophe intelligence.

Switch on what you need — score, clearance, history, claims verification, exposure.

◈

Intelligence

Address-level multi-peril score and a REFER / REVIEW / CLEAR triage verdict with a per-peril breakdown.

⚑

Pre-bind Clearance

A fresh wildfire / flood gate at bind time — clear-to-bind or a blocked reason. Never bind into an active event.

✔

Claims Verification

Was there a fire, flood or storm at this address on this date? A CONSISTENT / INCONSISTENT / INCONCLUSIVE answer for the claims desk.

▦

Book Exposure

Overlay your whole book on live hazards; see accumulation inside a fire perimeter or flood zone and act on it.

Explore the product →

Integrations

Plugs into the systems you already run.

One REST API, secured with a key. Call it from your quote flow, your policy system, or your bots.

Instanda quote flow

Guidewire policy system

REST API X-API-Key

Your bots server-to-server

# One call: address → score + verdict + clearance
GET /api/underwrite?q=6607 Main St, Penticton BC
Header: X-API-Key: ••••••••

{ "score": { "value": 42, "grade": "C" },
"triage": { "verdict": "REVIEW" },
"clearance": { "clearToBind": false, "status": "BLOCKED" } }

Read the API docs →

Who it's for

Built for everyone who carries cat risk.

🏛️

Carriers

Sharper selection and accumulation control on cat-exposed property.

⚙️

MGAs

Straight-through triage and bind clearance inside delegated authority.

🤝

Brokers

An instant cat read on a risk before you place it.

🌐

Reinsurers

A live, address-level view of accumulation across the book.

Built to be trusted

Advisory by design, secure by default.

Advisory, not a determination

Every output is decision-support with a clear "not a peril determination" framing.

Privacy-conscious

Coordinates-only handling of insured locations — PIPEDA-conscious by design.

Audit trail

Every assessment is logged with its inputs, timestamp and provenance.

Key-secured API

Machine access is gated by a private API key over HTTPS.

We're upfront about what's live, what's historical, and what's still warning-grade vs confirmed. No black box.

See exactly what data we use →

See PerilIntel on your book.

We'll run your real addresses through PerilIntel and show you the score, the verdict and the exposure — live.

Request a demo See pricing