For Brokers
Pigeon gives wholesale brokers access to cat-exposed commercial property capacity backed by AI that can price what legacy markets can't. Fast quotes, transparent pricing, and a market that doesn't flinch at wildfire exposure.
The Submission Experience
Drop your SOV, ACORD forms, loss runs, and engineering reports. AI parses everything — 70+ column formats recognized automatically.
Watch your submission move through scoring in real time. No more 'where's my quote?' calls — status pushes instantly.
Get a detailed quote with transparent risk attribution. See exactly what drives the price — appetite score, EP curves, flags.
Request binding with one click. Compliance auto-checks run. D-1 routes for signature. Policy issues automatically.
What We Write
California WUI and beyond. Spatial models capture building-to-building fire contagion, ember transport, and fuel-terrain interactions that ZIP-code-level models miss.
Now Writing — CaliforniaGulf Coast and Atlantic exposure. Physics-based wind field modeling with structural vulnerability at the individual building level.
Expanding 2026Inland and coastal flood risk. Neural surrogate models route water through real terrain at 1,000x the speed of traditional hydrology.
Expanding 2027Broker Portal
Track all submissions across the pipeline with real-time status updates.
Ask questions about coverage, status, or policy details. RAG-powered with your submission context.
SOVs, quotes, binders, policies, COIs — all stored and downloadable.
Every quote shows appetite score, risk flags, EP curves, and what drives the premium.
See broker commission (12%) and payout status for every bound policy.
File FNOL claims, track status and reserves, view SLA tracking.
We respond within 24 hours
Onboarding call to review appetite and workflow
Access to the broker portal and AI copilot
Start submitting immediately