Urbanico is building an urban intelligence platform that provides insurance carriers with hyper-localized urban data using machine learning and natural language processing. Urbanico’s platform adds contextual risk factors on top of the common rating and underwriting schemas currently used by the industry to create a more accurate and personal risk assessing process. The platform predicts risk at a 150X improvement from a geo- spatial perspective across the following perils: Crime, Fire, Water damage, and car accidents, which translates directly into improved loss ratios and unlocks business otherwise deemed outside of risk appetite.