Setup: Enter PIN code & peril
Tell Plutas where your property is located and which weather risk matters most, such as floods, cyclones, heatwaves, or extreme rainfall.
Parametric Insurance for Real Estate
Climate Risk Protection with Parametric Insurance for Property Owners & Managers
#RealEstateRisk#FloodCover#Heat#Storm#AssetResilience#PropertyPortfolio#ParametricInsurance
#RealEstateRisk#FloodCover#Heat#Storm#AssetResilience#PropertyPortfolio#ParametricInsurance
Why Plutas
Climate Risk Protection with Parametric Insurance for Property Owners & Managers
Built for real estate owners and property managers, Plutas combines AI-driven climate intelligence, risk analytics, and insurance expertise to enable accurate pricing, transparent policy structures, and efficient claims support for weather and climate-related risks.
Operational Costs Rise Immediately
Flooding, storms, and heatwaves often require emergency repairs, contractor support, backup systems, and tenant communication measures. These costs appear instantly, regardless of whether physical damage has occurred.
- Flood
- Cyclone
- Excess Rainfall
- Heatwave
How it works
Climate Risk Protection in under 5 minutes
Pricing: Coverage & Trigger
Choose a coverage period (1-365 days) and define your Strike Point. Plutas's AI model calculates your exact risk-based premium in seconds, instead of blanket rates.
Issue: Set insured sum & pay
Size the payout according to your anticipated operational and disruption costs. Pay digitally. Your policy document is issued instantly, and coverage becomes active immediately.
Payout: Funds credited
Plutas monitors IMD and ERA5 data 24/7. When your trigger is validated against weather and satellite data, the payout is released directly to your bank account.
Use cases
See How Parametric Insurance Works For Your Properties
01
Commercial Office Buildings
An office complex experiences flooding that disrupts access, facility operations, and tenant services. Real estate climate insurance provides fast liquidity when weather thresholds are exceeded, helping property managers respond immediately.
Get protected02
Retail & Shopping Centres
Extreme rainfall and severe weather can reduce visitor traffic, increase maintenance costs, and disrupt normal operations. Parametric insurance provides financial support without requiring proof of physical damage.
Get protected03
Residential Communities
Apartment associations and community managers often face emergency drainage, cleanup, security, and facility management costs after severe weather. Climate risk protection helps cover these immediate operational expenses.
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Industrial Parks & Warehouses
Warehouse operators and logistics parks face disruptions from flooding, cyclones, and extreme weather that affect access roads, loading operations, and site management. Parametric coverage provides rapid funds during these events.
Get protectedWhat's covered
Every Weather Risk That Can Impact Property Operations
Flood
Cyclone
Excess Rainfall
Heatwave
High Winds
Storm
Each real estate climate risk protection policy is triggered by objective and verified weather data. The trigger is defined precisely in your policy document at purchase. If the data crosses your threshold, you are paid, leaving no room for ambiguity.
You can purchase a single-peril policy for a specific exposure period, or combine multiple perils to protect a property throughout the year.
Know Your Risk. Price Your Cover.
With us, there is no blanket insurance. Our AI-driven model for real estate climate risk protection calculates the precise probability of your specific trigger event at your specific property location, your specific coverage window, and your specific sum insured.