A B2B platform that lets insurers, cooperatives, and agri-banks design, back-test, and monitor parametric crop cover — without hiring a data-science team to do it.
Traditional crop insurance was built for a slower, calmer climate. It's not built for this one.
From a blank product idea to a live, regulator-ready parametric policy — without commissioning a consultant each time.
A drag-and-drop trigger builder with a growing library of pre-built crop-peril templates. A non-technical product manager can shape a parametric product in under an hour, not months.
Every trigger is run against 20+ years of Sentinel-2 satellite and ERA5 weather history, using Monte Carlo simulation to check it fires when real losses actually happened — the same rigor regulators expect, in days instead of weeks.
Once live, the platform tracks the underlying index near-real-time and fires automated payout signals the moment a threshold is crossed — with a full audit trail for every decision.
Parametric insurance isn't new. But most of the field is built for insurers who already have the capacity to build it themselves.
Descartes Underwriting, CelsiusPro, and Skyline Partners have all proven the model works — as MGAs, brokers, or underwriters serving large, well-capitalized clients.
None of them are a self-service SaaS tool for the mid-tier insurers, cooperatives, and agri-banks who don't have an in-house data-science team — and can't justify hiring one for a single product line. That's the segment this platform is built around, starting in the Netherlands.
The Netherlands combines agri-insurance depth, open climate data, and real climate exposure — a genuine testbed, not just a convenient jurisdiction.
World-ranked agri research base and a dense agritech ecosystem to build alongside.
Free Sentinel-2 and ERA5 access removes the largest historical cost barrier to parametric design.
Deep climate-risk culture from a national history of flood management.
NL agriculture has faced drought (2018, 2022), frost, and excess rainfall — live use cases, not hypotheticals.
Innovation grants and a startup-visa framework built for international founders.
A regulatory bridge into the wider €10B+ EU agri-insurance market beyond the Dutch pilot.
If you're an insurer, cooperative, or agri-bank exploring parametric cover — or reviewing this as part of a startup-visa facilitation — join the list and we'll reach out to set up a walkthrough.
Prefer email? info@polderline.com →