Live for Parametric Placement
From idea to bound parametric policy — in under 30 minutes.
WeatherWise Studio is the parametric weather platform built for brokers. Structure, price, and place cover against any peril, anywhere — backed by $350M+ in capacity from a diverse network of insurance partners.
$350M+ aggregate capacity
Diverse partner network
Free for brokers
No licence, no subscription
Operated by EHAB
FCA Appointed Representative · FRN 790558
Insurance functionality available to FCA-regulated brokers only. Why?
The Market Gap
Climate volatility is accelerating. The tools to cover it haven't kept up.
$0
Estimated annual cost of weather impact on businesses
Yet 90% of operational weather risk remains uninsured. The protection gap is widening faster than premium volume can close it.
Industry estimates
Weeks
Traditional time to structure a parametric product
Parametric structuring typically requires specialist actuarial and meteorological resource — slowing product development and limiting distribution.
Industry consensus
0%
of insurers cite climate risk as a portfolio priority
Demand for parametric solutions is growing rapidly. The barrier is not appetite — it is infrastructure and speed to market.
BlackRock Global Insurance Report 2021
The Platform
From exposure to bound policy. In four steps.
Select Your Index
Choose from 35+ pre-validated signal templates across agriculture, energy, logistics, construction, and more — or build a fully custom index from any weather variable, globally.
No code. No specialist resource required.
Define Your Structure
Set triggers, limits, deductibles, and coverage periods interactively. Backtest automatically against 45+ years of historical weather data.
Adjust parameters in real time and watch the burn rate update instantly.
Review & Price
The platform calculates expected loss and burn rate automatically. Indicative terms are generated instantly. Formal quotes can be issued in as little as 30 minutes — subject to the broker confirming the structure and the client accepting the technical price.
Bind & Settle
Policy bound on agreed trigger terms. Settlement is calculated by the platform acting as the independent data calculation agent when the index threshold is met.
Objective, pre-agreed, data-verified settlement. No loss adjusters. No site visits. Settlement in 2–20 business days, depending on the capacity provider.
Signal/Index Library
35+ pre-validated templates. Any peril. Any sector.
WeatherWise Studio ships with a growing Signal/Index Library of pre-validated templates — ready to deploy or customise. Each template is built on verified meteorological data sourced from 1979 to present and downscaled to 9 km grid resolution globally.
Agriculture
- Crop Frost Risk
- Crop Heat Stress
- Drought Risk
- Harvesting Conditions
- Cocoa Suite
Energy
- HDD / CDD (Heating & Cooling)
- Solar & Wind Generation
- Grid & Infrastructure
- Plant Efficiency
- Load Analysis
Logistics & Infra
- Aviation & Maritime Risk
- Rail & Road Transport
- Construction Downtime
- Port Downday
- Data Centre Cooling
Risk & Safety
- Wildfire Risk Index
- Lightning Risk
- Outdoor Event Risk
- Heatwave Forecast
- Extreme Weather Counters
Custom & Climate Ops
- Raw Climate Data Access
- Statistical Percentiles
- Custom Signal Builder
- ML Inverse Modelling
- Multi-peril Composite
Underlying variables
Temperature, precipitation, wind speed and direction, solar and diffuse radiation, humidity, soil moisture, wave height and period, river discharge, marine and flood variables, atmospheric pressure, snow depth, UV index, visibility, and 80+ more — available hourly or daily, globally, from 1979 to present.
Machine Learning
No suitable template? Let the ML engine build your trigger.
For organisations with operational data — historical loss records, incident reports, yield data — WeatherWise Studio's Machine Learning Signal Creator automates trigger discovery. There is no need for a data scientist.
Input
Client Loss Data / Time-Series
Upload any customer time-series data — historical crop yields, incident reports, past claims, or operational records.
Engine
WeatherWise ML Engine
The machine learning engine automatically works backward from the client's data to identify and compose the weather index most correlated with their specific loss pattern.
Output
Precise Business Signal
A scientifically justified parametric trigger, tailored to the client's specific exposure — with zero guesswork and full backtesting.
Who It's For
Built for brokers and insurers. Not for direct purchase.
A note on platform access
Today, brokers are the sole operators of WeatherWise Studio. Over time, we will release a dedicated insured portal — giving end-clients tools to better understand the physical weather risks at their locations and the financial exposures those risks create. WeatherWise does not sell insurance directly to businesses or individuals. If you are a business seeking parametric weather cover, please contact us and we will introduce you to a regulated broker who works with WeatherWise.
For Insurance Brokers
Structure parametric cover your competitors can't.
Sign up free as the sole operator of the platform. Build a parametric structure for any client risk — backtested against 45+ years of weather history — in minutes. Walk into the next meeting with data your competitors don't have. You place the policy. We handle the structuring and data.
- Free access for your team — brokers are the sole operators of the platform today
- Show clients their weather exposure in their own numbers — backed by 45+ years of data
- Platform builds the parametric structure automatically — ready for submission
- Formal quote in as little as 30 minutes from our panel
- Clean submission pack exportable as PDF — straight to your preferred insurer
For Capacity Providers & Underwriters
Infrastructure for Parametric Distribution
WeatherWise Studio gives insurers, reinsurers, and capacity providers a structured parametric origination and calculation layer. Use the platform as a white-label data and analytics engine, or partner with us as a calculation agent on policies you underwrite.
- Systematic parametric trigger design and pricing
- Independent calculation agent function built in
- API-first architecture for integration with existing underwriting systems
- Portfolio analytics across 84 measurable perils
How It Works for Brokers
The platform is free. You operate it. We provide the rails.
Today, brokers are the sole operators of WeatherWise Studio. You bring the client relationship and the risk; we provide the structuring engine, capacity panel, and data. Here is how it works in practice.
Apply for free broker access
Apply as a broker. Once approved, your team gets full platform access. There is nothing to configure and nothing to pay.
Build the client's exposure picture in minutes
Drop in client operational data — generation records, crop yields, vessel schedules, construction programmes, or loss history — or pick a pre-validated template. The platform correlates against 45+ years of global weather history and surfaces exactly where weather is hitting the client's business. Walk into the next meeting with insight no other broker has.
Generate a structured submission pack
The platform automatically builds a parametric structure that would have protected the client — trigger index, historical performance, payout schedule — backtested over 45 years. The submission pack is ready to export as a clean PDF or push directly to our capacity panel.
Quote, place, bind
Take the structure to your preferred insurer or push it through our panel for a formal quote in as little as 30 minutes. If they are on our panel, commission flows directly through the platform. If they are not, we charge a data and structuring fee on the policy. Either way, you earn and your client is covered.
Today, brokers are the sole operators of the platform. Over time, we will release client-facing features that help insureds model and understand their own weather exposures — equipping brokers to close the knowledge gap with their customers, rather than working around it.
Retention
When a client's full weather risk programme is structured through your WeatherWise workspace, you become the strategic resilience partner — not just a transactional broker. The relationship deepens with every renewal.
New Business
Win lucrative tenders by demonstrating data-backed risk insight your competitors can't match. Show prospects their exposure in their own numbers — against 45+ years of weather history — instead of pitching from a deck.
The Easiest Route to Parametric
You focus on relationships and client trust. Our platform — operated by Ehabitation Ltd, an FCA Appointed Representative — handles the structuring, data science, and capacity access, accelerating your route to high-margin parametric commissions.
How Settlement Works
Liquidity, not indemnity. Fast capital. No claims process.
Unlike traditional indemnity insurance, parametric products pay based on a pre-agreed weather index — not on a loss assessment. This removes the claims process entirely.
1. Trigger defined at binding
The index threshold, measurement data source, and payout structure are agreed upfront and written into the policy. There is nothing to dispute.
2. Platform monitors continuously
WeatherWise Studio acts as the independent calculation agent, monitoring verified meteorological data throughout the policy period.
3. Threshold met — settlement calculated
When the index meets the pre-agreed trigger level, the settlement amount is calculated automatically. No loss adjusters, no site visits, no interpretation.
4. Funds released
Settlement takes 2–20 business days depending on the capacity provider. Funds are unrestricted — the policyholder can use them for any purpose, including cost overruns, fines, loan interest, or operational recovery.
No loss adjusters
Outcome defined by data, not interpretation.
Unrestricted funds
Spend on anything the business needs.
Objective trigger
Agreed at binding, no ambiguity at claim.
2–20 business days to settlement
Varies by capacity provider.
For Carriers & Capacity Providers
Receive structured deal flow. Underwrite. Done.
WeatherWise Studio sits upstream of the underwriter. We do the structuring, education, and homogenisation work so submissions arrive pre-qualified, in a consistent format, with client expectations already managed. You provide the capacity; we provide the structuring engine.
$350M+
Aggregate capacity from a diverse network of insurance partners
Standardised
API-ready submission schemas, no messy PDFs
Pre-qualified
Triggers, perils & limits resolved before submission
Partnership roadmap
A pragmatic three-step evolution — from manual review to full programmatic underwriting. Build trust, then build speed.
Step 1
Manual Review
We send structured, fully prepped submission schemas. Your team reviews and quotes manually — backtesting our models and building absolute trust before any automation.
Step 2
Pre-Priced / Delegated
Pre-agreed logic, limit appetites, and algorithmic thresholds for common risks. Submissions auto-structure inside your appetite for rapid response — no per-deal underwriter sign-off needed.
Step 3
Programmatic API
Full system integration. Standardised risk signal flows directly into your internal pricing model, generating an instant bindable quote. Build once, deploy infinitely across any weather metric.
Why engage now — even before delegated authority
Every WeatherWise risk is structured against a single, homogenised data schema and a consistent policy format. That standardisation lets capacity partners review, price, and bind faster — even on a referral basis, without delegated authority. Our objective is to make the quote-to-bind pipeline as frictionless as the data underneath it: clean inputs, consistent structures, and a workflow that gets capacity to the right risk in minutes, not days.
Built into the underwriting workflow
A dedicated workspace, exposure analytics, and structuring engine designed for carrier desks — not bolted on after the fact.
Dedicated insurer portal
Capacity partners access a single workspace for incoming referrals, structured wordings, supporting analytics, and bind decisioning. The same pipeline that streamlines quote-to-bind for brokers powers the insurer view, so referrals arrive complete, consistent, and ready to underwrite.
Pre-bind exposure analysis
Export Event Loss Tables (ELT) and Period Loss Tables (PLT) in industry-standard formats, compatible with Moody's/RMS exposure systems. Underwriters can model how each quote affects their portfolio's return-period metrics — 1-in-30, 1-in-200 — before binding. Diversification credits and marginal contribution become visible in the workflow, not just at year-end.
Independent calculation agent
WeatherWise acts as the independent calculation agent throughout the policy term — monitoring verified meteorological data, calculating settlement against the pre-agreed index, and removing claims-process friction from your book.
Insurance products distributed through this platform are underwritten by third-party carriers. Policy availability and per-risk limits are subject to individual underwriting approval and local regulatory requirements.
Breadth of Structures
One platform, every combination.
Hail. River discharge. Rainfall. Wind. Temperature. Tropical cyclone. Each peril combines with an industry chassis, a trigger type, a deductible, and a limit — giving brokers and underwriters a near-infinite library of structurable parametric covers from a single, homogenised engine.
Peril
- NatCat
- Hail
- River discharge
- Rainfall
- Wind
- Temperature
- Tropical cyclone
- + 70 more
Industry
- Renewables
- Agriculture
- Construction
- Hospitality & events
- Logistics & ports
- Mining & metals
- Real estate
- + custom chassis
Trigger Type
- Threshold
- Cumulative
- Stepped (cat-based)
- Linear / time-bound
- Multi-peril composite
- Index proximity
- Deficit / shortfall
- + ML-composed
Structure
- Limit per event
- Aggregate limit
- Deductible (financial)
- Attachment days
- Payout schedule
- Tenor (single / multi-year)
- Geography (point / radius)
- + bespoke
Peril × Industry × Trigger Type × Structure = a near-infinite library of structurable covers
About WeatherWise
Live for placement. Built on a decade of weather intelligence.
WeatherWise Studio is built and operated by Ehabitation Ltd — a UK-based team with deep roots in operational weather risk, data science, and parametric structuring. Developed through direct experience structuring and placing real-world parametric products, the platform is live and trusted by global broker teams. Ehabitation Ltd is an Appointed Representative of Gateway Platform Services Limited, authorised and regulated by the Financial Conduct Authority (FRN 790558).
$350M+
Aggregate capacity
0
Years of weather history
9 km
Global grid resolution
0+
Measurable weather perils
EHAB
FCA Appointed Representative (FRN 790558)
Get Started
Ready to structure parametric covers no other broker can?
Get free broker access in minutes, or book a 30-minute call with Josh to see the platform live and walk through a real client risk.
Brokers — get free access today
Sign up free as a broker. No credit card, no setup fee. Structure your first client risk in under 10 minutes — brokers are the sole operators of the platform today.
- Multi-client portfolio view
- Signal/Index Library & ML exposure modelling
- Submission pack export & panel pricing
Carriers — receive structured deal flow
If you are an insurer, reinsurer, or capacity provider interested in parametric distribution infrastructure, book a call to discuss how WeatherWise Studio can work within your existing workflow.
josh.graham@ehab.co