We can’t stand by as the protection gap from climate and weather costs

$181B
in uninsured losses*

With climate shifting,
insurance should too

Adaptive is pioneering the path to resilience, using AI and data, technology, and insurance solutions to help our customers proactively defend against the emerging risks that traditional insurance isn’t built to handle.

Adaptive Covers the Gap

Why We’re Different

Data-Driven

Our proprietary platform uses historical and real-time weather and climate data to identify risk, guide pricing, and deliver more concise coverage.

Specialty Solutions

Our coverage addresses risks traditional insurance doesn’t, especially for the increasing frequency and severity of weather events.

Built for Speed

Agents can quote, bind, and issue a policy online for any of our products in less than 5 minutes.

Trusted Financial Strength

We’re backed by carriers rated A or better by A.M. Best.

Our Investors

Adaptive is backed by leading investors at the intersection of climate, insurance, and technology. Those who share our belief that building resilience is one of the most current and pressing challenges.

Adaptive In The News

Work with us

Whether you’re an agent looking to expand your specialty coverages or a customer looking for coverage that keeps pace with today’s risks, we’d love to connect.