Climate risk shifts under your feet. Markets, boards, and regulators keep asking the same three questions: what is the climate risk exposure, how will it change, and what will you do about it.

You do not always need a full operating environment to answer these. Sometimes you need a precise reading without delay. Location Risk Intelligence gives you both options: an always-on platform for enterprise navigation, and an on-demand service for fast, credible answers. Use each for what it was built to do.

Only within our subscription solution can you visualise risks on interactive world maps, giving you an even more comprehensive view of your exposure to make better and faster decisions.

Furthermore, you can only add advanced features within the Location Risk Intelligence Platform: Corporate adds Portfolio Management, Portfolio Aggregation and Comparison, and Areas & Lines. Enterprise includes REST API and Single Sign-On with technical onboarding and access to Customer Success.

To sum it all up: On-Demand focuses on the essentials for single-site decision, while Platform subscriptions can add specialised Editions, plus portfolio tooling and integrations when you need to go more into depth.

This is where the Platform earns its keep: managing portfolios with millions of assets, comparing exposures across regions, analysing large sites and linear infrastructure, monitoring live or recent events, and piping scores into internal systems. It standardises methods, accelerates reporting, and creates a shared view of risk across teams. If climate risk is a standing management topic, you want it here.

On-Demand is self-service without a subscription. You make a one-off purchase and get instant access. This is how it works: Register as a business user, purchase credits, enter a location, get an overview of your risk exposure, and instantly make better risk management decisions. Ideal for single-site, low-volume or irregular checks. Two data editions are available:

• Climate Change Edition, which includes Natural Hazards coverage and provides current and forward-looking risk scores across scenarios and projection years.
• Reporting Edition aligned to EU Taxonomy, CSRD, TCFD, and ISSB parameters for disclosure and stress testing.

On-Demand gives you results in minutes for single-asset decisions, which makes it perfect for low-volume, sporadic use. Pay per location, start immediately. Interactive map services, advanced portfolio and integration features such as Portfolio Management, Areas & Lines, Region Scoring, Events, REST API, and SSO remain Platform-only.

• Decision scope
  On-Demand: single sites, ad-hoc checks.
  Platform: portfolios, programmes, enterprise governance.
• Feature set
  On-Demand: location scoring with exports.
  Platform: portfolios, advanced maps, Export Manager, Elevation Profile, Areas & Lines, Region Scoring, Events and comparative portfolio or scenario analysis for benchmarking.
• Integration
  On-Demand: stand-alone (via web frontend).
  Platform: stand-alone (via web frontend) or API, Enterprise offers REST API and SSO for embedding in underwriting, credit, EHS, and reporting workflows.
• Commercials
  On-Demand: pay-as-you-go credits.
  Platform: annual subscription with Business, Corporate, and Enterprise tiers.

Data clarity on day one in both options. Operational leverage only in the Platform.

Consulting

Boutique firms that only occasionally assess climate risk can use On-Demand to buy data per client brief, without fixed costs or contractual obligations, and free of any risk. Specialist consultancies running regular multi-client analyses benefit from the Platform: portfolio-tooling, repeatable methods, collaborative workflows, and API/SSO to plug into their delivery stack.

Real estate

A transactions team must brief an investment committee on three shortlisted buildings – today! On-Demand returns hazard and climate-scenario scores plus a disclosure-friendly PDF pack for the memo. Months later, an asset manager takes over a 200-property portfolio. The Platform aggregates assets, maps hotspots, benchmarks by postcode and country, and standardises exports for lenders. Areas & Lines covers retail parks and campuses without forcing point approximations.

Banking

A relationship manager sanity-checks two residential properties ahead of a credit memo. On-Demand delivers location scores in minutes and a disclosure-friendly data export. For the loan book and recurring workflows, the Platform runs portfolio analytics, aligns outputs with reporting frameworks, and streams scores via the API into stress testing and credit engines. SSO keeps access tidy and auditable.

Insurance and reinsurance

A specialty underwriter receives a submission in a new territory. On-Demand answers the “should we engage” question quickly. For steering the book, the Platform sets guardrails, monitors accumulation, uses Events to triage active wildfires or cyclones, and integrates Wildfire HD Edition for higher-resolution assessments in the United States, Greece, Australia, and parts of Canada.

Corporates

Two expansion sites are on the table for tomorrow’s board meeting. On-Demand provides present and projected heat, flood, and wind profiles in Excel – perfect for a single-site, immediate decision (e.g. store opening, new plant, relocation). For ongoing risk governance, the Platform maps hundreds of sites and critical corridors, scores rails and road links with Areas & Lines, applies Region Scoring for market entry, and automates consistent disclosure with the Reporting Edition – across a supply chain of, for example, 2,500+ suppliers

Use On-Demand when speed and precision on a handful of locations matter more than process. Screening, one-off due diligence, sporadic vendor checks, ad hoc disclosures, and early-stage underwriting fit this model. It is also an easy way to trial Location Risk Intelligence on real addresses without obligation.

Choose the Platform when climate risk is a managed discipline. If you need repeatable workflows, collaboration, governance, regional benchmarking, event monitoring, and system integration, the Platform gives you the operating backbone to do this at scale.

Legend:

●          Included

○          Optionally available

►        Available only in Natural Hazards Edition and Climate Change Edition