---
title: "Parametric Insurance Products"
description: "Embedded parametric products including utility bill protection, weather protection, solar guarantee, cyber resilience, and merchant continuity protection."
canonical_url: "https://exante.io/platform"
last_updated: "2026-07-08T17:37:41.406Z"
---

<page-hero :links="[{"label":"Use Cases","to":"/platform#utility-bill-protection","color":"primary","variant":"outline","size":"xl"},{"label":"Contact Us","to":"/contact","color":"secondary","variant":"solid","size":"xl"}]" className="hero--homepage">
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The Parametric Insurance Platform

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If it can be monitored, we can automate it

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Our platform supports the deployment of scalable, embedded parametric products that trigger payouts in seconds - not weeks.

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<nuxt-page-section className="page-section,page-section--cards" id="get-started">
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<feature-card description="Providing certainty on trigger, price and incidence rate." icon="datadefined" title="Data Defined">



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<feature-card description="Enabling our partners to seamlessly onboard new customers." icon="pricing" title="Fully Turnkey">



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<feature-card description="We manage each policy end-to-end, underwritten by risk carrier partnerships." icon="partnerships" title="Risk Carrier Partnerships">



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<nuxt-page-section className="page-section,page-section--product-feature-dashboard">
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<product-feature-dashboard>



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<nuxt-page-section className="page-section,page-section--statement">
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<brand-statement :accent-end="8" :accent-start="1" subtitle="Tailored to your company objectives">

If the data exists we can model it - white-labeled solutions across multiple use cases.

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<nuxt-page-section className="page-section,page-section--product-showcase">
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<product-showcase-section :accentEnd="12" :accentStart="8" ariaLabel="Parametric insurance product showcase">
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Partner with us to deploy solutions that trigger instant no claim payouts

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<template v-slot:cards="">
<product-showcase-card id="weather-at-destination">
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<extreme-weather-alert-card>



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Weather at Destination

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Instant payouts during a holiday if the weather changes your plans.

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We continuously monitor weather data across over 50,000 destinations globally, our platform establishes dynamic climate thresholds tailored to each specific location. This real-time tracking allows us to trigger instant compensation the moment adverse weather impacts a traveler's holiday experience.

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</product-showcase-card>

<product-showcase-card id="cancellation-compensation">
<template v-slot:preview="">
<booking-cancellations-card>



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Cancellation Compensation

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Protecting travel agent revenue from booking cancellations.

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By continuously monitoring live booking platform schedules, our platform tracks a holiday rental's expected occupancy rate. This real-time data allows us to trigger instant compensation the moment a short-notice cancellation occurs, or if a projected occupancy rate falls below a predefined threshold.

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</product-showcase-card>

<product-showcase-card id="cyber-safeguard">
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<data-breach-monitoring-card>



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Cyber Safeguard

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Expert help the moment a security breach occurs.

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We provide SMEs with instant financial liquidity or emergency technical resources the moment a cyber breach is detected. By continuously monitoring for malicious activity across three critical areas - our API-driven platform, triggers instant safeguards the second a security breach occurs.

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</product-showcase-card>

<product-showcase-card id="utility-bill-protection">
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<energy-use-detection-card>



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Utility Bill Protection

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Climate protection against household energy bill spikes.

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Our platform provides the technology stack to monitor real-time and historical climate data baselines, and trigger instant payouts when extreme temperature cause homeowners to increase their demand on energy causing a spike in their home energy bills.

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</product-showcase-card>

<product-showcase-card id="sunshine-guarantee">
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<solar-irradiation-tracking-card>



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Sunshine Guarantee

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Financial protection for homeowners investing in solar.

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Our partner-distributed solar guarantee solution uses satellite data to monitor local solar irradiation. If irradiation levels drop and expected yields decline we provide instant, automated payouts to protect homeowners investments in climate resilient systems.

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</product-showcase-card>

<product-showcase-card id="merchant-safeguard">
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<merchant-safeguard-card>



</merchant-safeguard-card>
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Merchant Safeguard

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No claims financial safeguard for a drop in merchant transactions.

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Merchant Safeguard provides a short-term safety net for merchants who are effected by a sudden drop in revenue due to non-damage-related-incidents. By monitoring POS transaction data globally we trigger instant supports to keep small businesses resilient.

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</product-showcase-card>
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</product-showcase-section>
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<nuxt-page-section className="page-section,page-section--statement">
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<brand-statement :accent-end="6" :accent-start="3" subtitle="End-to-end policy management">

Working with insurance & distribution partners to design, model and deploy with data driven solutions.

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<nuxt-page-section className="page-section,page-section--process-timeline">
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<process-timeline-section ariaLabel="Parametric process timeline for insurance partners">
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<process-timeline-step icon="parameters">
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Complete end-to-end solution integration.

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Built for scale - our solutions can be embedded into your existing sales channels or function as standalone products. Our API first approach allows us to seamlessly integrate with partners and data providers to manage and trigger policies in real-time.

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<process-timeline-step icon="framework">
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Fully managed customer experience.

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From signup to payout, risk logic to pricing framework - We ensure your customers receive a seamless experience, our payout thresholds are fully transparent - requiring no claims process - just instant payouts when its needed most.

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<process-timeline-step icon="lifecycle">
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Unlocking entirely new revenue streams.

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Insurance doesn't need to be complex - we turn high frequency risk into high margin parametric products. Designed to complement your existing product roadmap - without the need to increase your headcount.

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<nuxt-page-section className="page-section,page-section--testimonials">
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<testimonial-carousel :animateLogos="false" :partnerLogos="[{"name":"Great Sun Consulting","src":"/images/partners/greatsun.png"},{"name":"Midwest GreenTech","src":"/images/partners/midwestgreentech.png"}]">
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<testimonial-slide>
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"Sunshine Guarantee helps give homeowners more confidence that their solar
system will produce the energy they were expecting when they made the
investment, even with changing weather patterns over time. I like that it focuses
on the actual energy production of the system alongside traditional equipment
warranties, while also giving installers another tool to address one of the most
common homeowner concerns in a simple and streamlined way during the solar
consultation process."

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John, Sheldon, Founder, GreatSun Consulting, USA

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"Traditional policies cover physical damage. The Sunshine Guarantee covers the revenue. Satellite-verified, automated payouts remove the part of insurance customers dislike most. No claims process, no service tickets."

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Adam Rochford, Principle, Midwest Greentech, USA

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"Customers trust the equipment and the installation. What they question is the production numbers behind the proposal. That is where deals stall, and Qixent’s Sunshine Guarantee is built to close that gap."

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Adam Rochford, Principle, Midwest Greentech, USA

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</testimonial-carousel>
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<nuxt-page-section className="page-section,page-section--block-cta" id="contact">
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<block-cta-section ctaTo="/contact">
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Tier-1 compliance and security guaranteed.

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Launch and scale parametric insurance with ease.

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<nuxt-page-section className="page-section,page-section--news-cards">
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<news-cards-section cta-to="/news">
<news-index-listing paths="/news/sunshine-guarantee-us,/news/utility-bill-protection-italy">



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