About Pigeon

Delivering Coverage Where It Matters Most

Pigeons have been nature's most precise navigators for centuries — trusted to deliver the world's most critical messages across continents. That same instinct drives us. Pigeon underwrites commercial property catastrophe risk with proprietary AI, seeing what legacy models miss — spatial contagion, real physics, and the connections across your entire portfolio. Better models. Better coverage. Better pricing.

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Per-Property Scoring

24

AI Workflows

15

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6

Return Period EP Curves

Our Mission

Close the Protection Gap

The 2025 LA wildfires proved the point: $30 billion in losses that legacy models dramatically underestimated. Carriers pulled out of wildfire-prone markets. Not because the risk is uninsurable — because their models can't see it clearly enough to price it confidently.

Pigeon exists to change that. We're a Managing General Agent with the authority to underwrite and bind commercial property catastrophe policies. Our proprietary AI catastrophe model gives us an underwriting advantage that compounds with every policy we write.

We believe the answer isn't to avoid cat-exposed markets. It's to understand them better than anyone.

$0B

2025 LA Wildfire Losses

0K+

Properties in Wildfire MVP

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Per-Property Scoring

Our Values

How We Work

Physics-First

We trust models built on physical reality, not statistical convenience. If the model doesn't match the physics, the model is wrong.

Radical Transparency

Every pricing decision has attribution. Every AI call is audited. Brokers see what drives the price. No black boxes.

Broker-Aligned

We succeed when brokers can place risk. Competitive commissions, fast turnaround, and a market that doesn't flinch.

Long-Term Thinking

Building a century-scale insurance company. Writing risk we understand, pricing it honestly, investing in the model.

Based in Tampa, Florida

Built Where Catastrophes Hit Hardest

We're headquartered in Tampa — at the intersection of wildfire, hurricane, and flood risk markets. We build for the catastrophe protection gap because we live in it.

$15.7B

E&S Commercial Property Market

$30B

2025 LA Insured Losses

#3

US State for Hurricane Exposure (FL)

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