Written expert opinion, technical report, RS unaltered-material certificate and survey materials per the contract.
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What the service is used for
Assessment of insurance risks
More accurate identification and forecasting of natural disasters, fires and desertification for policies and risk management.
Object monitoring
Continuous observation of buildings, transport and farmland: physical condition of collateral and economic activity.
Fraud reduction
Objective damage assessment from RS data, including very high resolution down to 0.15 m, reduces the risk of unjustified payouts.
Process optimisation
Automation of risk assessment reduces time and costs of inspections and field surveys of insured objects.
Greater transparency
Objective data increase trust between the insurer and the client and make insurance processes clearer.
Did not find your task?
Describe the object, assessment questions and analysis dates — we will check the RS archive and the scope of work.
What you will receive as a result of the work
01
Expert opinion
A written document with legal force: findings on the questions posed to the expert.
GEO INNOTER delivers an expert analysis — a written document reflecting the course and results of the study using satellite or aerial survey materials, with the expert's signature and the organisation's seal.
What you get
- expert opinion with the expert's signature and the organisation's seal
- findings on the expertise questions and recommendations from the analysis
- copies of the organisation's license and the expert's diploma
The composition of the opinion depends on the assessment questions, analysis dates and availability of RS materials.
02
Technical report
Geodynamic study: a technical report on the course and results of work from satellite or aerial survey.
The report records processing of RS materials: orthorectification, colour correction, interpretation, spectral analysis and a description of changes and qualitative and quantitative characteristics of the object.
What you get
- technical report (geodynamic study)
- description of changes and object characteristics
- other documents and charts per the agreed composition
The processing composition and coordinate system are fixed in the contract and the terms of reference.
03
RS unaltered-material certificate
Confirmation that the RS material was not altered: a check of metadata and anomalies of machine or manual edits.
The certificate is attached to the expert package together with copies of the license and the expert's diploma.
What you get
- certificate of unaltered RS material
- metadata and anomaly check
The certificate covers the materials used in the study.
04
Images and maps
Satellite and UAV images, maps and other materials — if they were purchased separately at the customer's expense and/or provided by the customer.
Orthorectified images with the required ground-referencing accuracy are included in processing under the contract; source RS materials are delivered if paid separately or provided by the customer.
What you get
- satellite and UAV images, maps and other materials per the contract
- orthorectified images in the agreed coordinate system
Images are paid separately; at least two images are required per the price table.
How the work goes
Cost and timeline
The price depends on the plot area, complexity, timeline and image cost and is calculated individually for each customer.
- consultation — free of charge
- image selection, preliminary analysis — free of charge
- ordering images — from 10 to 600 US dollars per image (at least two images are required)
- in the order steps: images are paid separately; one very-high-resolution image — from 300 USD
- work of technical specialists — from 15,000 rubles
- total cost — from 16,000 rubles; risk assessment in the order steps — from RUB 16,000
- work turnaround — from 7 (seven) working days; in the order steps — from 7 working days from the date of receiving 100% advance
- timelines depend on the plot area, complexity, deadlines and image cost and are calculated individually
- payment: 100% advance, bank transfer only; we work with individuals and legal entities, sole traders, public authorities and foreign customers
Total — from 16 000 ₽
Timeline — from 7 working days
Consultation and image selection — free of charge
What data is needed for a quote
To assess feasibility, cost and timeline, provide:
- location of the object of study: coordinates, cadastral number or another convenient form (specialists will clarify the coordinates)
- questions submitted for assessment (subject of the study)
- dates for which the analysis and assessment are needed
- requirements for control-point and DEM accuracy for orthorectification — if needed
- requirements for the coordinate system and projection of the deliverable
- images by acquisition time, spatial resolution, spectral bands and source georeferencing by RPC — or consent to archive selection or a new survey
If the technical parameters are unknown, it is enough to describe the object, assessment questions and dates — specialists will check the archive and propose an option.
Describe the object and the task — we will assess the RS archive and the scope of work.
Why Innoter
Prompt access to archives
Suitable archive imagery can be obtained faster when the required area and date are already available from operators.
No aviation clearances
A new satellite survey does not require the flight clearances typical of aerial surveys.
Large and remote areas
A single satellite pass covers large areas and makes it possible to work in hard-to-reach regions.
Direct agreements with operators
Distribution agreements help select archive imagery and order new surveys from different providers.
Software and server infrastructure
Modern software and computing capacity for quality control and processing of large data volumes.
Experienced specialist team
Years of experience on complex projects and specialists in cartography, photogrammetry and remote sensing.
RS data, risk types and source materials
The composition depends on the plot area, archive or new survey, assessment questions and accuracy and spectral-band requirements.
1
Insurance risk assessment is an insurance company's ability to determine how likely certain losses or damages are for the insured object or event. This helps set the insurance premium and policy conditions.
Assessment by RS methods uses satellite observation, aerial photography or UAV data: changes in the natural environment, conditions in the region and other parameters that may affect insurance claims.
2
Insurance risk assessment: identification and forecasting of natural disasters (floods, earthquakes, hurricanes, hail), fires and desertification.
Object monitoring: buildings, transport, farmland; conclusions on the physical condition of collateral and economic activity.
Fraud reduction: objective damage assessment, including from very-high-resolution data down to 0.15 m.
Process optimisation: fewer on-site inspections. Greater transparency for the insurer and the client.
3
Improved risk modelling from climate, disaster and natural-environment change data.
More effective risk management: threats in near real time without the cost of field surveys.
More accurate loss assessment over a large area at spatial resolution down to 0.15 m — faster compensation payouts.
4
Monitoring of climatic and natural phenomena: climate, ecosystems, water level.
Identifying vulnerable territories: flood zones, seismically active regions.
Damage assessment after insurance events from archives before, during and after the event.
Creditworthiness assessment and control of the designated use of credit funds; inventory and audit of assets; geoanalytics for investment and consulting.
5
Accurate risk assessment by size, shape, location and condition of real-estate objects — for coverage and premiums.
Data analysis and predictive modelling from patterns and trends.
Spectral analysis provides not only physical but also chemical characteristics of objects that a field check may not reveal.
Personalised insurance solutions for the risks of a specific property.
6
Precise geographic coordinates of the object in the required coordinate system; specialists will refine coordinates provided in any convenient form.
Images matching the study questions: acquisition time, spatial resolution, required spectral bands, source georeferencing by RPC.
Orthorectified images (ground-referenced) with the required accuracy.
At the pre-contract stage, acquisition dates and type, archive availability and compliance with requirements are checked; a new survey is requested if needed. The result of the express assessment is service feasibility (yes/no).
Frequently asked questions
Answers to key questions about service parameters, timelines, deliverable formats and workflow. If you did not find what you need — contact us and we will help.
Insurance risk assessment is the process of evaluating the likelihood of loss or damage that may result from a particular event or set of events and determining the financial consequences for the insurance company or policyholder. Insurance risk assessment analyzes various factors, including the likelihood of an event occurring, its magnitude, possible consequences, vulnerability and ways to minimize losses. Insurance risk assessment helps insurance companies make informed decisions about pricing, risk management and insurance product development.
Insurance risk assessment involves analyzing various aspects to determine the probability of losses and their possible impact. Main Elements:
- Analyzing insurance policies and contracts: Checking the terms and conditions of insurance, examining the coverage of insurance coverage.
- Assessing the likelihood of events: Assessing the likelihood of various risks and events that may lead to losses.
- Potential Loss Assessment: Determining possible financial losses resulting from insured events.
- Analyzing historical data and statistics: Studying previous loss events, analyzing trends and patterns.
- Vulnerability assessment: Examining the policyholder's vulnerability to potential risks.
- Assessing the effectiveness of risk mitigation measures: Examination of the policyholder's risk mitigation actions and their impact on potential losses.
- Calculation of financial reserves: Determining the necessary financial reserves to cover losses.
- Forecasting future risks: Assessing the likelihood of new risks and their impact on the insurance.
There are many types of insurance risks, here are some of them:
- Risk of losses from natural disasters: such as earthquakes, floods, hurricanes, fires, and other natural catastrophes.
- Risk of damage from third-party actions: theft, vandalism, as well as liability for causing damage and injuries to third parties.
- Health and life risk: related to loss of health, injuries, illnesses, or death.
- Auto insurance risk: accidents, theft, damage, etc.
- Business interruption risk: potential loss of profit due to reasons leading to the stoppage or reduction of business operations.
- Property risk: damage or loss of property, including homes, cars, equipment, and other valuables.
- Financial risks: associated with investments and financial operations.
- Medical and life insurance: related to medical expenses, life insurance, and disability insurance.
- Technological and cyber risks: potential cybersecurity threats, hacking attacks, data breaches, and other technological risks.
- Political risks: risk of problems arising from political changes, wars, terrorist acts, and more.
Remote sensing of the Earth can help in assessing various insurance risks, including:
- Floods: By analyzing images obtained through remote sensing, areas with a high risk of flooding can be identified and appropriate precautionary measures can be taken.
- Fires: Monitoring territories through remote sensing allows for the detection of early signs of fires and predicting their spread.
- Earthquakes and geological hazards: Remote sensing can be used to monitor tectonically active zones and identify potential earthquake sites.
- Crop losses: Analysis of vegetation data obtained via satellites can help assess crop yields and the risks of crop losses.
- Infrastructure risks: Remote sensing can be applied to monitor the condition of infrastructure, identify defects, and assess the risk of collapses.
- Environmental risks: Utilizing remote sensing data allows for monitoring the state of the environment, controlling water and air pollution, and identifying and preventing environmental disasters.
Using remote sensing for assessing insurance risks offers several advantages:
- Broad coverage and regular data updates: Satellites used for remote sensing can cover extensive areas, allowing for data collection over large areas in a short time. This enables timely detection of changes and risks.
- Objective assessment: Remote sensing data is objective and not subject to subjective influences. This contributes to a neutral and accurate risk assessment.
- Multidisciplinary approach: Remote sensing allows the use of data from various spectral ranges to analyze different aspects of risks, including geographical, climatic, ecological, and others.
- Cost-effectiveness: Compared to traditional monitoring and risk assessment methods, remote sensing can be more cost-effective in terms of data collection and analysis.
- Predictive capabilities: Remote sensing data can be used for predicting potential risks and events, which helps in taking preventive or mitigative measures.
- Coverage and speed: Remote sensing provides rapid data updates and the ability to monitor large areas simultaneously, whereas traditional methods may be limited in time and space.
- Cost reduction: Using remote sensing can reduce monitoring and data analysis costs compared to traditional methods, as it requires fewer resources for field visits and manual data collection.
- Predictive capabilities: Remote sensing data allows for forecasting and modeling various scenarios of events, facilitating planning and decision-making in managing insurance risks.
Multi and hyperspectral data provide additional information about the Earth's surface in a large number of spectral bands. They allow for a more detailed and accurate analysis of various aspects of the environment, such as soil composition, vegetation type, pollution and other parameters, making them valuable tools for identifying potential insurance risks in a given area.
Radar data can provide information on object height, surface structure and material movement, which is useful in analyzing potential hazards such as floods, underground landslides and other geological phenomena. Thermal data, in turn, can be used to detect temperature anomalies, assess climate change, identify thermal leaks, etc. These data help to identify potential threats and risks to insured objects such as buildings, crops, etc. The diversity of information from radar and thermal data makes them an important tool in insurance risk assessment, providing a more complete understanding of the environment and potential threats
Need satellite imagery or help choosing the right data?
Describe your task, area of interest, and desired outcome. We will check data
availability, assess new acquisition options, and propose the optimal solution in terms of timelines, cost,
and quality.
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