Centinel is a parametric insurance offering that provides claims-free coverage for hard-to-insure risks that fall into four categories: interrupted utilities, climate change, infectious diseases, and event cancellations. The company is starting with interrupted utilities. Oftentimes insurance policies contain opaque terms, hidden exclusions, or a lengthy claims process. Centinel delivers straightforward contracts with open, fair and transparent pricing. Policyholders choose a coverage level up front enabling Centinel to better manage risk exposure; automated payouts eliminate the high-cost claims process; and the use of AI, blockchain oracles, and trigger definitions mitigate fraud risk.