Insurance Technology Leaders Integrate Real-Time Climate Risk Intelligence into Commercial Underwriting Workflows

Cytora, a configurable digital risk processing platform for commercial and specialty insurance, has formed a strategic partnership with Climatig, an award-winning provider of detailed physical climate risk calculations, to deliver science-backed climate intelligence directly into underwriting workflows at the point of decision-making.

The integration embeds Climatig’s advanced climate analysis capabilities directly into the Cytora platform, ensuring that commercial insurers have immediate access to comprehensive climate risk assessments covering critical hazards including river flooding, severe wind events, and wildfire exposure. This capability significantly enhances risk evaluation processes and enables underwriters to make more informed decisions about exposure across individual assets and entire insurance portfolios.

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Regulatory Imperative Drives Climate Intelligence Integration

Climate risk factors have rapidly evolved from optional considerations to critical components in strategic underwriting, particularly as global regulatory frameworks increasingly mandate insurance companies to disclose their exposure to climate-related risks. The Task Force on Climate-related Financial Disclosures (TCFD) alignment requirements represent just one example of the expanding regulatory landscape compelling insurers to demonstrate robust climate risk assessment capabilities.

Through this partnership, Cytora reinforces its mission to build one of the world’s most comprehensive data ecosystems for insurers. By merging Cytora’s GenAI-powered digitization of unstructured documents with Climatig’s high-resolution risk data and perpetual climate projections, joint customers gain the necessary foresight to navigate evolving regulatory requirements while making long-term strategic decisions about risk appetites and market positioning.

Juan de Castro, Chief Operating Officer at Cytora, emphasized the fundamental shift in how climate intelligence must be treated: “Climate intelligence is no longer optional; it is fundamental to smart underwriting, especially across commercial property and specialty lines. Our partnership with Climatig makes it effortless for insurers to embed crucial, science-backed risk data directly into the Enrichment stage of their workflows. This empowers our clients to ensure immediate regulatory compliance while simultaneously building resilience and driving smarter, faster decisions across their entire book of business.”

Automated Integration into Submission Processing Workflows

Commercial insurers utilizing the Cytora platform can now leverage Climatig data during the critical Enrichment and Risk Evaluation/Triage steps of their submission processing workflow. The integration operates seamlessly within existing processes, minimizing disruption while maximizing value.

When a property submission enters the system, Cytora automatically geolocates the asset and requests a comprehensive climate risk assessment from Climatig. This assessment covers multiple critical hazards that pose significant threats to commercial properties, including flood risks from various sources, severe wind exposure that could cause structural damage, and wildfire vulnerability that has become increasingly acute in many regions experiencing climate-driven fire season intensification.

The climate risk information flows directly into downstream processes, where it serves multiple strategic functions. First, it enables automated due diligence, allowing insurers to quickly identify properties that may require additional scrutiny or fall outside acceptable risk parameters. Second, the data facilitates evaluation against climate-aware appetite rules, ensuring that portfolio composition remains aligned with strategic risk tolerance levels. Third, it supports compliance with external disclosure requirements that demand quantified assessments of climate exposure. Finally, it enables insurers to accurately quantify climate’s potential financial impact on their portfolios, supporting both capital allocation and pricing decisions.

From Abstract Concern to Immediate Underwriting Impact

Dusko Radulovic, Chief Executive Officer at Climatig, articulated the fundamental transformation in how climate risk affects insurance operations: “Climate risk is no longer an abstract long-term issue. It directly impacts underwriting quality, portfolio performance, and claims outcomes. Our partnership with Cytora enables precise climate risk assessment to be embedded directly into risk evaluation workflows. This allows commercial insurers to select risks more accurately, price them with greater confidence, strengthen claims control, and equip their sales channels with clear, consistent insights at the point of decision.”

This shift from viewing climate as a distant, uncertain threat to recognizing it as an immediate operational factor reflects broader industry evolution. Insurers increasingly recognize that climate-driven extreme weather events are not merely hypothetical future scenarios but current realities affecting loss ratios, claims frequencies, and portfolio viability. The partnership between Cytora and Climatig operationalizes this recognition by embedding quantified climate intelligence into everyday underwriting decisions.

The integration also addresses a persistent challenge in climate risk management: the disconnect between high-level strategic awareness and granular operational implementation. While insurance executives increasingly acknowledge climate risk significance at board and C-suite levels, translating that awareness into specific underwriting actions has proven difficult. By automating climate assessment within existing workflows, the Cytora-Climatig partnership bridges this gap, ensuring that climate considerations influence individual risk selection and pricing decisions rather than remaining abstract policy statements.

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Building Comprehensive Insurance Data Ecosystems

The Climatig partnership represents the latest addition to Cytora’s expanding ecosystem of data integrations designed to provide insurers with comprehensive intelligence supporting sophisticated risk evaluation. This ecosystem approach recognizes that modern commercial insurance underwriting requires synthesizing information from multiple specialized sources to achieve accuracy and efficiency.

Cytora’s previous partnerships demonstrate this ecosystem-building strategy. In September 2024, the company partnered with Mitiga Solutions to provide insurers access to EarthScan, Mitiga’s on-demand climate risk analysis platform utilizing advanced data modeling, machine learning, and climate science to assess risks across different scenarios and timeframes. That collaboration similarly focused on delivering asset-level and portfolio-level climate intelligence directly into underwriting workflows.

The company has also established major commercial relationships with leading insurers. A significant engagement with Chubb enables that carrier to digitize global claims intake, increase straight-through processing rates, and progressively decouple claims volume from expense growth. Cytora has also expanded its partnership with Arch Insurance into North American markets, demonstrating the scalability and commercial viability of its digital risk processing approach.

In September 2025, Cytora was acquired by Applied Systems, a major provider of cloud-based software connecting insurance stakeholders, potentially accelerating Cytora’s market penetration and integration capabilities across the insurance value chain.

Technology Foundation: Large Language Models and Proprietary AI

Cytora’s platform leverages Large Language Models (LLMs) alongside proprietary artificial intelligence to bring efficiency to risk assessment, underwriting, and claims management processes. This technological foundation proves particularly valuable when processing the unstructured documents that dominate commercial insurance submissions.

Traditional insurance workflows struggle with the variety and complexity of submission materials, which may include property descriptions, financial statements, loss histories, engineering reports, and numerous other document types in inconsistent formats. LLMs pretrained on commercial insurance language and concepts can extract structured data from these diverse sources, enabling automated analysis and decision support that would be impractical with conventional extraction technologies.

The platform’s configurability represents another critical advantage. Rather than imposing rigid, one-size-fits-all workflows, Cytora allows insurers to define line-of-business schemas in natural language, giving them control to shape their unique views of risk, expand schemas through self-service approaches, and accelerate competitive differentiation. This flexibility proves essential in specialty insurance markets where risk factors, evaluation criteria, and underwriting philosophies vary substantially across product lines and insurers.

Zero training requirements unlock rapid implementation timelines and measurable return on investment while enabling parallel deployments across multiple intake workflows, countries, and lines of business. This scalability distinguishes modern AI-powered platforms from earlier generations of insurance technology that required extensive training periods and customization efforts for each deployment.

Implications for Commercial Property and Specialty Lines

The integration of climate intelligence into digital underwriting platforms carries particular significance for commercial property insurance and specialty lines where physical climate risks exert substantial influence on loss potential. These segments face mounting challenges as climate patterns shift, extreme weather intensifies, and historical loss experience becomes less reliable as a predictor of future outcomes.

For commercial property insurers, accurate climate risk assessment increasingly determines portfolio sustainability. Properties in flood-prone areas, wildfire zones, or regions experiencing intensifying severe weather face elevated risks that historical pricing models may not adequately capture. By embedding forward-looking climate projections directly into submission evaluation, insurers can adjust exposure levels, pricing, and terms to reflect emerging risk landscapes rather than relying solely on backward-looking loss data.

Specialty lines insurers dealing with complex risks across diverse geographies benefit from standardized, science-based climate assessment that provides consistent evaluation criteria regardless of property location or risk type. This consistency supports both individual risk selection and portfolio management, enabling insurers to aggregate climate exposure across their entire book and identify concentrations that might otherwise remain hidden within traditional underwriting processes.

The partnership also addresses information asymmetry between insurers and insureds. Property owners and risk managers increasingly possess climate risk information about their facilities and operations, creating potential for adverse selection if insurers lack comparable intelligence. By ensuring that underwriters access state-of-the-art climate science and modeling, the Cytora-Climatig integration helps level the information playing field and supports more accurate risk-based pricing.

Conclusion: Climate Intelligence as Competitive Necessity

The Cytora-Climatig partnership exemplifies the insurance industry’s broader transition toward treating climate risk as a core operational consideration rather than an optional enhancement. As regulatory requirements expand, extreme weather intensifies, and stakeholders demand greater transparency around climate exposure, insurers must develop robust capabilities for assessing, monitoring, and managing climate-related risks.

Technology platforms that seamlessly integrate climate intelligence into existing workflows—rather than requiring separate, manual analyses—will likely determine which insurers successfully navigate this transition. The ability to automatically incorporate science-backed climate projections into individual underwriting decisions, aggregate exposures across portfolios, and demonstrate regulatory compliance positions adopters to manage both risk and competitive positioning effectively.

For commercial insurers committed to building climate-resilient portfolios while maintaining profitability and growth, partnerships like Cytora-Climatig represent essential infrastructure supporting long-term sustainability in an industry confronting unprecedented environmental change.

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By: Montel Kamau

Serrari Financial Analyst

12th January, 2026