INSURANCE

Satellite Intelligence for Insurance

Satellite Club gives insurers, reinsurers, brokers and claims professionals access to Skytek’s Earth Observation expertise, satellite imagery and analytical capability.

Satellite imagery can provide independent evidence when conventional information is unavailable, incomplete or disputed. Finding the right imagery and interpreting it correctly, however, requires specialist knowledge.

Skytek manages the complete process, we identify and source the most appropriate satellite data, carry out the analysis and deliver the findings in a clear, insurance-focused report.

FOUR FUNDAMENTAL QUESTIONS

What happened?

Where did it happen?

When did it happen?

What has been affected?

From a single asset to a major catastrophe or an entire geographical region, Satellite Club can provide independent intelligence anywhere in the world.

Independent Intelligence When It Matters

The service can support underwriting, claims, catastrophe response, investigations, monitoring and dispute resolution.

Skytek selects the most appropriate technology and data source for each assignment, so clients do not need to understand satellite systems or imagery procurement themselves.

Satellite imagery

Skytek analysis

Insurance report

Satellite Club Services

Claims & Damage Assessment

Independent evidence to support claims decisions

Use pre-event and post-event imagery to establish the condition of an insured asset and assess what changed following an incident.

Skytek can identify the location and extent of visible damage, helping claims teams assess potential loss and validate available information.

This can be particularly valuable when physical access is restricted, delayed or unsafe.

Pre-Event Image: August 22nd, 2022 of the Sanibel Causeway – Credits @AirbusSpace

Post-Event Image: September 30th, 2022 of Sanibel Causeway – Credits @ NOAA

Marine Casualty Intelligence

Locate, investigate and assess vessels from space

Satellite Club provides specialist intelligence for marine casualties and complex vessel investigations. By combining satellite imagery with AIS and other available information, Skytek can help:

Satellite intelligence is particularly valuable when AIS transmission has stopped, a reported position is uncertain or independent evidence is required.

Catastrophe & Event Response

Understand the scale of an event quickly

Following a major natural or man-made event, Satellite Club can provide rapid intelligence across affected areas. Skytek can compare imagery from before and after an event to:

For major catastrophes, multiple data sources and machine-learning techniques can be used to analyse large geographical areas efficiently.

Pre-Even Image: Planet Labs satellite imagery of Lahaina city on February 02nd, 2023.

Post-Event Image: Planet Labs satellite imagery of Lahaina city, damage overlay on August 15th, 2023

Underwriting & Risk Intelligence

See the risk before you insure it

Satellite imagery can provide an independent view of an asset, site or surrounding area before cover is written. Satellite Club can support underwriting assessments for:

Property
Ports
Infrastructure
Industrial Facilities
Energy assets
Vessels
Other geographically identifiable risks

Historical imagery can also show how a location has changed over time, providing additional context where conventional underwriting information may be limited.

Monitoring & Change Detection

See what is changing on the ground

Monitor assets, infrastructure and geographical areas over time. By comparing imagery captured on different dates, Skytek can identify:

Change detection can support underwriting, portfolio monitoring, claims investigations and the monitoring of sensitive or difficult-to-access regions.

Canadian Wildfires: Sentinel 2 satellite image – May 30th, 2023

Canadian Wildfires: Sentinel 2 satellite image – June 04th, 2023

Environmental & Climate Intelligence

Observe environmental change from space

Earth Observation provides an independent source of information for understanding environmental conditions across large or difficult-to-access areas. Satellite Club can support analysis relating to:

Skytek selects the most appropriate imagery and analytical approach for each assignment, depending on the location, risk and question being investigated.

Dispute Resolution & Expert Evidence

Independent evidence for complex claims and disputes

Where facts are disputed, satellite imagery can provide an independently sourced record of conditions at a particular place and time. Skytek can provide specialist analysis and reporting to support:

Reports can combine historical and current satellite imagery with other relevant data to establish a clear evidence base for further investigation or proceedings.

Bespoke Intelligence

Intelligence built around the question

Not every investigation fits a standard report. Satellite Club can undertake bespoke assignments involving individual assets, specific events or wider regional and global issues. Skytek determines the most appropriate combination of:

The findings are then analysed and presented in a clear report designed around the client’s requirements.

FROM SATELLITE TO DECISION

We Manage the Complexity

Clients do not need to identify the satellite, select an imagery provider or determine which technology is best suited to the investigation.

Skytek manages the process from start to finish.

Define the Question

Establish what the client needs to understand or prove.

Identify the Right Data

Determine the most appropriate satellite technology, imagery and supporting information.

Acquire the Imagery

Source available imagery or task a satellite to capture new data where appropriate.

Analyse

Interpret the imagery alongside relevant geospatial and supporting data.

Validate

Cross-check the findings against other available sources where required.

Report

Present the findings clearly for underwriting, claims, investigation or legal use.

The Right Technology for the Question

Different investigations require different forms of Earth Observation. Satellite Club can use one or several technologies depending on the assignment.

High-Resolution Optical Imagery

Detailed visual imagery for assessing assets, infrastructure, physical conditions and visible damage.

Synthetic Aperture Radar (SAR)

Radar imagery capable of observing the Earth’s surface through cloud and during darkness. Particularly useful for vessel detection, flood mapping, change detection & poor weather monitoring.

Historical Imagery

Review previous conditions at a location, establish a pre-event baseline and identify changes over time.

Multiple Satellite Sources

Combine imagery from different satellites, sensors and providers to build the strongest available evidence.

AI & Machine Learning

Analyse large geographical areas, identify affected assets and support large-scale damage assessment following major events.

Satellite Expertise Applied to Insurance

Satellite technology is only useful if the information it produces can support a decision. Skytek combines access to Earth Observation data with specialist analysis and insurance expertise to turn complex satellite information into clear, usable intelligence. Whether the requirement is to assess a claim, investigate a casualty, understand catastrophe exposure or establish independent evidence, Satellite Club provides the technology and expertise needed to answer the question.

Lines of Business

Roles

Human Space Flight

Spacecraft AIT

Cyber

Earth Observation

Situational Awareness