C&GIG turns climate science, Earth observation and geospatial data into decisions insurers, banks, regulators and public institutions can defend. Not more data. Evidence that changes what you do next.
Climate risk is not abstract. It has an address, a footprint, a timing problem and a balance-sheet consequence. We connect those realities before someone mistakes a polished model for an answer.
A portfolio average cannot tell you which asset floods first.
Physical risk is a claims number, a credit decision and a supervisory question. We identify where it reaches the balance sheet, how it moves through the portfolio and what demands attention now.
A detailed map can still be confidently wrong.
We test the data, resolution, assumptions and uncertainty beneath the output. Because “the model says so” is not a risk strategy. It is an abdication with better graphics.
If the analysis changes nothing, it was decoration.
C&GIG converts evidence into underwriting rules, investment choices, regulatory positions and resilience priorities. The deliverable is not the analysis. It is a better decision made in time.
Independent. Technical. Built for the people carrying the risk. Every engagement begins with a decision and ends with evidence strong enough to support it.
Independent review of catastrophe, climate and geospatial models: inputs, resolution, assumptions, calibration—and the uncomfortable distance between precision claimed and accuracy delivered.
Evidence-based assessment of climate analytics, Earth-observation vendors, data products and startups: what the data proves, what the model can defend and what the pitch has politely neglected to mention.
We translate physical climate-risk requirements—disclosure, scenario analysis, ORSA and stress testing—into geospatial evidence and documentation that can survive examination.
We turn Earth observation into a pricing and operating input: exposure intelligence, portfolio-level physical risk and event-triggered analysis while the catastrophe is still unfolding.
Climate-risk work often dies at the hand-off: excellent science, unusable output. We design the engagement around the decision-maker, the deadline and the burden of proof.
What must be decided, by whom, by when—and with what level of confidence. Everything else is secondary.
Satellite, sensor, model and market data—chosen for what it can prove at the resolution the decision requires.
Ground truth. Back-testing. Resolution checks. Then a plain statement of where the model stops earning your trust.
A memo a board can act on, a specification an engineer can build or a file an examiner can accept. Never a dashboard destined to become expensive wallpaper.
There is a stubborn gap between what Earth observation can reveal and what institutions are prepared to price, govern or fund. C&GIG works with the organisations responsible for closing it.
C&GIG carries no vendor’s model and no carrier’s book. That is not a footnote; it is the point. Our work is judged by whether the decision holds up when the weather arrives, the losses develop or the examiner starts asking questions.
Tee brings more than twenty years across geospatial technology, defence, disaster response, climate and insurance. Her work lives in the consequential gap between what Earth observation can prove and what financial institutions are prepared to price.
C&GIG's long-form writing lives on Substack: where mapping innovation meets financial strategy, and what that means for climate risk and the people who have to price it.
A blog focused on Spatial Finance and Geospatial Technology — the intersection of cutting-edge mapping innovations and financial strategies to address global challenges, such as climate change, and drive informed decision-making.
Subscribe on SubstackA four-part series on geospatial transformation in insurance: the industry inflection point, Earth observation, GeoAI, and parametric products triggered by satellite data.
How geospatial technology is transforming insurance, and why now.
Satellite monitoring, and why insurance has been slow to adopt it despite the operational value.
Turning raw geospatial data into intelligence underwriting and claims can act on.
Products triggered by satellite data, and the path forward for climate adaptation.
Why our climate, our systems, and our intelligence frameworks need to stop pretending the world behaves neatly. As it does not.
On the moment after every conference when the ideas have to survive contact with the office.
How Queer Cognition Can Rescue Us, Mostly From Ourselves
Why the work starts with listening to the people who carry the risk.
The gap between what satellites can prove and what finance is culturally prepared to pay for.
The SpatialTemporal Asset Catalog, and why reinsurers need it more than they think.
Assets Live Somewhere, but so do Liabilities
While most of fintech chases AI, the edge that keeps getting missed is knowing where things are.
What it costs to treat location as an afterthought in financial decisions.
Borrowing a remote-sensing correction to straighten out how finance reads the planet.
Two disciplines colliding, and why the collision is the point.
A year-ahead look at where spatial finance was heading.
Three terms that get used interchangeably and shouldn’t be.
The opening post: what spatial finance is and why fintech needs it.
C&GIG publishes one long-form industry assessment a year. It follows the money, the methods and the institutions, and every material claim carries a date, a source and a label saying whether it is completed, announced or anticipated.
In 2026 the capability frontier became largely free and public, while the money flowed to three places: defence-funded sensing, incumbent data platforms, and the risk bearers who own the losses. The pure-play analytics layer in between is being consolidated at modest prices. Sensing is being revalued by security, not climate. The limits that matter are institutional, not technical.
C&GIG’s public work moves through newsletters, salons, printed zines and conference stages—places where serious ideas can be tested by people with actual stakes in the outcome.
Tell us what must be decided, who owns it and when it becomes irreversible. We’ll tell you whether geospatial intelligence changes the answer, what the evidence can support and where certainty would be fiction.
Based in Boston · regularly in New York, Washington DC and San Francisco. Engagements worldwide.