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Insurance verified Verified Outcome TRL 8

Parametric Carbon Credit Insurance

domain Client: Nature-Based Asset Manager handshake Provider: Descartes Underwriting schedule Deploy: 2022-Present
86 Impact
Enterprise Ready
Evidence Score: 4/10
Strength: Medium

Executive Summary

ANALYST: COI RESEARCH

Parametric coverage designed to protect the future revenue of carbon credits generated by forestry projects against specific climate risks like fire or windthrow.

rate_review Analyst Verdict

"Highly innovative financing tool for the Green Economy. Solves the 'bankability' issue for carbon offset projects by insuring the intangible asset (the credit) rather than just the physical timber."

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Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Investors in nature-based solutions (e.g., reforestation) rely on the future sale of carbon credits for ROI. However, physical risks (wildfire, drought) could destroy the trees and thus the credits. Traditional timber insurance covers the wood value, not the *carbon revenue*, making these projects considered high-risk by banks and stifling capital flow.

psychology The Solution

Created a parametric policy that triggers based on satellite data. If a specific area of the forest is detected as 'burned' by satellite imagery (using spectral analysis), the policy pays out a pre-agreed value per hectare to cover the lost carbon credit revenue. This requires no physical loss adjustment and provides immediate liquidity to replant or repay investors.

settings_suggest Technical & Deployment Specs

Integrations
Satellite Feeds
Deployment Model
Parametric Platform
Data Classification
Geospatial Data
Estimated TCO / ROI
Undisclosed
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
Basis Risk High Precise pixel-level calibration.
Satellite Availability Low Multi-constellation sourcing.

trending_up Impact Trajectory

Audited value realization curve

Coverage of intangible carbon revenue Verified Outcome
Primary KPIPayout speed < 30 days
Audit CycleElimination of loss adjustment expenses

policy Compliance & Gov

  • Standards: Insurance Regulations
  • Maturity (TRL): 8
  • Evidence Score: 4/10
  • Data Class: Geospatial Data

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
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Technical Audit
PDF • Audited
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Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for Nature-Based Asset Manager without exposing sensitive IP or identities.

Private
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1. Raw Evidence

Audit ID: #PRIV-554
Evidence: Direct SQL Logs
Public
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2. Verified Asset

Outcome: Verified
Ref ID: #COI-554

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