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Solutions / Industries / Finance & Insurance
The problem
Finance and insurance decisions lean on data that is late, incomplete or self-reported. Adjusters arrive days after landfall. Lenders rely on borrower updates to confirm a construction project is progressing. Green bond trustees accept annual reports rather than independent evidence. By the time the real picture reaches the desk, exposure has shifted - or funds have been misapplied.
Terrabit delivers analysis-ready commercial satellite imagery that lets lenders, insurers and sustainable-finance teams independently verify what is actually on the ground - confirming a greenhouse is being built, a solar farm is operational, or a reforestation project is taking hold - without a site visit, on the cadence each line needs.
Where finance and insurance miss the signal
Trigger data is too coarse to reflect actual losses on the ground. Underwriters carry uncompensated basis risk; cedants pay for payouts that miss.
Adjusters take days to reach flood, cyclone or bushfire zones. Loss creep compounds and reserves are set against weak evidence.
Lenders take borrowers at their word. Satellite imagery confirms the greenhouse is actually being built.
Trading desks wait on official inventory reports days after satellite data could have told them the same story in hours.
Who it's for
Reinsurers, P&C underwriters, parametric MGAs, lenders, commodity desks and sustainable-finance teams - one platform, six distinct ways satellite imagery gets put to work.
Exposure enrichment, historical footprint libraries and exceedance probability (EP) curve validation.
Portfolio-level imagery for property inspection, roof condition, bushfire fuel load and coastal-erosion exposure - no truck rolls required.
Independently verify that loan proceeds are being used as stated - construction milestones reached, greenhouses built, solar panels installed, crops planted. Satellite imagery gives lenders a timestamped, audit-ready record of physical progress without a site visit, on the covenant schedule that matters.
Oil storage tank fills, tanker tracking, dark-fleet detection, crop yield and mine activity - alternative data in hours, not quarterly reports.
Validate green bond and sustainability-linked loan (SLL) assets from orbit. Confirm a reforestation project is actually growing, a solar farm is installed, or an agri-loan is funding the stated crop. Independent satellite evidence replaces self-reported MRV with a verifiable spatial record.
Capabilities
High-resolution event footprints for flood, cyclone, bushfire and storm. Multi-decadal open-data baselines support return-period validation and 1-in-100 / 1-in-250 probable maximum loss (PML) calibration; all-weather radar layers in to deliver event maps independent of cloud or smoke.
High-resolution optical - colour-balanced, orthorectified to control and pansharpened - with all-weather radar follow-up where smoke or cloud blocks the optical view. Damage polygons at property delivered as STAC catalogs to ArcGIS and claims-management systems. Adjuster rolls are reserved for the properties where imagery cannot resolve the loss, not the whole portfolio.
See physical-risk exposure at the level of individual assets. Bushfire fuel-load analytics, flood-zone enrichment, cyclone-corridor exposure and heat-stress proxies give risk and finance teams a consistent, satellite-derived picture of what each asset faces - produced at the cadence your portfolio requires, from quarterly refresh to post-event rapid assessment.
When a borrower draws down on a greenhouse facility, a solar-farm loan or an infrastructure project, satellite imagery confirms the build is progressing as agreed - before the next tranche is released. Monthly or quarterly tasking tied to covenant milestones gives lenders a timestamped, auditable record of physical progress.
Satellite data to support weekly oil storage-tank fill estimates, refinery throughput proxies, marine traffic and vessel activity at terminals, crop-yield forecasts and mine-activity signals.
Single capture, six workflows
Storage tank fills
Weekly oil-storage estimates and throughput proxies for trading desks and energy analysts.
Vessel & trade activity
Berth occupancy, cargo movement and vessel activity - trade signals ahead of official releases.
Infrastructure change
Refinery turnarounds, terminal expansion, construction progress - covenant and collateral evidence for lenders.
Post-event damage
Rapid analysis-ready optical for hurricane, flood and fire damage assessment.
In the field
High-resolution optical · 6 Mar 2025
Trade signal · container vessel
High-resolution optical · 3 Apr 2025
Commodity · Permian wellpad activity
High-resolution optical · 16 Mar 2025
Collateral · infrastructure asset
Lifecycle
Three stages of the insurance-and-finance cycle. The same tasking pipeline answers each - from exposure enrichment at bind through portfolio monitoring to rapid post-event claims.
01
Exposure enrichment at bind - property condition, bushfire fuel load, flood-zone context, cyclone-corridor positioning to support CAT models and parametric trigger design.
02
Validate loan use and track portfolio assets on the cadence each line needs - tranche drawdown verification monthly, commodity feeds weekly, climate-disclosure refresh quarterly. Satellite imagery replaces self-reported progress updates with independent spatial evidence.
03
Rapid post-event evidence - high-resolution optical data to support damage assessment and parametric trigger validations within the payout window.
Data & methods
Every capture is colour-balanced, orthorectified to control, atmospherically corrected, pansharpened and mosaicked - delivered in the exposure-data and trading-desk formats your risk, actuarial and quant teams already run.
How it works
Same pipeline, same provenance - every line, every portfolio.
Outputs
Concrete products the finance and insurance industry receives across underwriting, monitoring, claims and disclosure - not abstract capabilities.
Platform
Coordinate analysis-ready imagery, DEM and specialised data tasking across underwriting, claims, commodity and disclosure workflows - with centralised budget controls, multi-team access and audit-ready archives.
Albatross gives finance and insurance buyers enterprise-grade order management for analysis-ready satellite imagery, DEMs and alternative data. Submit tasking, approve budgets, track deliveries and maintain a timestamped spatial record - from post-event damage packs and parametric trigger feeds to weekly commodity data.
Products
Products
Analysis-ready optical and multispectral commercial imagery - colour-balanced, orthorectified, pansharpened and atmospherically corrected - for catastrophe modelling, claims triage, commodity alt-data and physical-risk disclosure. Delivered in OED / CEDE / STAC / COG formats.
Products
DEM, DSM and DTM products from 0.5 m to 5 m resolution for flood modelling, coastal-erosion exposure, bushfire terrain and infrastructure-asset baselines - GDA2020-aligned.
See how one analysis-ready satellite pipeline covers catastrophe modelling, parametric trigger design, rapid claims triage, commodity alt-data and asset-level physical-risk exposure.