EO RISK
Earth Observation · Risk Intelligence · Building Toward Pilot

EO RISK PLATFORM.

A B2B API that turns satellite imagery into a risk decision an insurer can act on — without a site visit.

1
API Call
5
Perils Covered
Gauteng
Current Coverage
B2B
SaaS / Data API
The Problem

Why This
Exists

Insurers price and pay claims on properties they often can't see. Today that means manual inspections, stale data, or guesswork — slow, costly, and inconsistent.

01

Manual Inspections

Pricing and claims decisions that require someone on-site: slow, costly, and impossible to scale.

02

Stale Data

Insurers working from outdated surveys, desk estimates, or guesswork on property condition and exposure.

03

Inconsistent Pricing

Without a standardised assessment, risk is priced differently by every underwriter for the same property.

04

No Remote Assessment

No scalable way to evaluate a property's hazard exposure and condition without physical presence.

05

Slow Underwriting

Inspection bottlenecks stretch turnaround from hours into days or weeks — a cost and experience problem.

API Response

What You Get

Send an address or coordinate. Receive a structured risk assessment — embedded directly into your underwriting or claims workflow.

Demo-phase scope: hazard exposure, composite score + confidence, footprint & land cover ship today, end-to-end. Roof condition and pool/outbuilding detection are Phase 3.

01

Property Attributes

Derived from satellite imagery and open spatial datasets — no manual survey required.

  • Building footprint & area
  • Land cover classification
  • Vegetation overhang (fire signal)
  • Roof & pool detection — Phase 3
02

Hazard Exposure

Authoritative spatial overlays, scored independently across five property perils.

  • Wildfire & flood exposure
  • Hail & wind-risk zone
  • Dolomite / sinkhole exposure
  • Location-resolved, not estimated
03

Composite Risk Score

A single score with a confidence value and the components behind it — explainable, never a black box.

  • Score + confidence value
  • Documented component weights
  • No hidden model decisions
  • Regulatory-friendly output
04

Evidence

The data behind the score — what was used, when it was captured, and where it came from.

  • Source dataset references
  • Spatial layers used
  • Assessment timestamp
  • Date-stamped imagery links — in progress
Process

How It Works

Four steps from request to decision. No geospatial tooling required on your side.

01

Submit

Send a POST /assess request with a property address (geocoded via Nominatim) or coordinate pair, plus your API key.

02

Assess

We resolve the property geometry, run hazard overlays, and extract attributes from satellite data.

03

Receive

A structured JSON response: score, confidence, components, attributes, hazard exposure, and evidence references.

04

Act

Embed the result directly into your underwriting, claims, or portfolio review workflow — no raw imagery, no GIS.

Satellite View
Property Risk
Insurers
Spatial Data
Agricultural Risk
Platform Preview

What You're
Working With

Real assessments. Real areas. Gauteng — scored from satellite and open spatial data.

EO Risk — Soweto scored at 0.0637 on the area grid with flood and fire/veld overlays live
Soweto — Score 0.06

Low-risk reading across central Soweto's 8×8 area grid — watercourse buffers and vegetation zones scored live, confidence 0.9.

EO Risk — Gauteng Province console showing Pretoria scored at 0.2081 with Insurance/Energy toggle
Pretoria — Score 0.21

The area console: live address search, an Insurance/Energy vertical toggle, and a scored grid over central Pretoria on OpenStreetMap.

EO Risk — Sandton scored at 0.5674 on the Energy vertical, showing solar irradiance and grid-proximity suitability factors
Sandton — Energy Suitability 0.57

The same engine, a second vertical: solar-siting suitability for Sandton — irradiance, grid proximity, and corridor encroachment scored independently, no new integration required.

EO Risk — Centurion scored at 0.2926 on a satellite basemap with dolomite extent and flood/hail contributions
Centurion — Score 0.29

Satellite basemap with GDARD dolomite extent over the sinkhole-prone western corridor. Flood is the leading contributor here, hail close behind — confidence 0.9.

The Service

Two Ways
to Engage

Start with a low-commitment evaluation. Convert to an annual plan once it's embedded in your workflow.

Low Commitment

Per-Assessment

Pay per property scored. No long-term contract required. Ideal for evaluating the platform before integration.

  • Per-property pricing
  • API key issued immediately
  • No minimum volume
  • Ideal for pilots & due diligence
Embedded

Annual Subscription

Once integrated into your underwriting or claims workflow, a predictable annual plan. Product D (Water/Drought Risk) is a pure upsell on the same integration.

  • Predictable annual cost
  • Volume-based tier pricing
  • Product D as a no-integration upsell
  • Dedicated support & SLA
What's Included in Every Assessment
Talk to Us About a Pilot →
Platform

One Engine.
Three Verticals.

The same imagery, PostGIS core, and API contract — each vertical brings its own factor-set and formula behind a stable interface. Product D and Energy are already built on the shared core; activating either for a customer requires no new integration.

Available Now

Product A
Property & Asset Risk

Roof, footprint, vegetation, and hazard exposure → a property risk score. The primary product, actively building toward pilot readiness over one South African metro.

  • Wildfire, flood & hail exposure
  • Building footprint & attributes
  • Composite score + confidence
  • Explainable component breakdown
  • POST /assess — address or coordinates
Engine-Proven

Product D
Water & Drought Risk

The same scoring engine turned toward soil moisture, drought stress, and water-body levels — built and scoreable today, dormant by default until a customer activates it. Sold to the same insurers and reinsurers as a zero-integration-cost upsell.

  • Soil moisture & drought stress
  • Water-body level monitoring
  • Irrigation & crop exposure
  • Registered & real-data-backed today
  • Same API contract as Product A
Now Live

Energy
Solar Siting Suitability

A different scoring shape entirely — suitability, not risk. Irradiance, grid access, and terrain scored for solar-siting decisions, sold to private developers and installers, not utilities.

  • Irradiance, grid proximity & terrain
  • Suitability score, not risk
  • Hard grid-access gate
  • Real assessments scored & persisted
  • Not yet outcome-validated on a real site

RISK
INTELLIGENCE.
DELIVERED.

Send an address. Receive a risk decision. No site visit, no geospatial tooling, no guesswork.

Request a Demo →