ResiQuant, an insurtech startup transforming property risk assessment, has announced a $4 million seed funding round led by LDV Capital, with participation from Foothill Ventures, Pear VC, Alumni Ventures, and strategic angel investors.

Simultaneously, the company has revealed a groundbreaking partnership with Golden Bear Insurance Company.

The $4 million seed funding will accelerate ResiQuant’s mission to transform how property insurers evaluate and manage catastrophe risks, bringing much-needed stability to markets grappling with climate volatility and seismic hazards. ResiQuant’s platform uses specialised AI agents to analyze site inspection photos, aerial imagery, and public visuals, delivering building-level insights that traditional data sources often miss. The technology identifies critical structural weaknesses that determine a building’s performance during disasters.

The innovation addresses the urgent challenges facing the $200 billion U.S. property insurance market, where carriers are struggling with surging reinsurance costs, catastrophic losses, and increasing withdrawals from high-risk regions.

ResiQuant’s founders, Dr. Issa and Dr. Francisco Galvis, structural and forensic engineers, met at Stanford University’s John A. Blume Earthquake Engineering Center during their PhD studies. Their combined expertise, honed through post-disaster inspections and rigorous research, forms the foundation of ResiQuant’s technology.

“Property carriers make billion-dollar exposure and capital allocation decisions with dangerously incomplete data,” said Dr. Issa, ResiQuant’s CEO. “We’re transforming this paradigm by delivering engineering-grade analysis that reveals hidden structural vulnerabilities in every building – helping carriers underwrite with confidence and maintain coverage precisely where others are forced to retreat.”

The company’s platform offers tangible benefits for insurance carriers, including reduced inspection costs, improved loss ratios, better reinsurance terms, and the ability to maintain coverage in challenging markets. ResiQuant currently focuses on earthquake risk assessment for various property types and plans to expand to include wildfires and windstorms.

In a parallel announcement, ResiQuant has partnered with Golden Bear Insurance Company, a leading provider of commercial property and earthquake, primary and excess casualty, and professional liability insurance. Golden Bear will use ResiQuant’s AI-driven platform to enhance its underwriting capabilities, particularly in regions vulnerable to natural disasters.

“Our partnership with Golden Bear exemplifies how carriers can leverage engineering-level precision at scale, effectively turning today’s risk into tomorrow’s opportunity,” said Francisco, who leads our product and engineering teams. “We’re excited to see them use our technology to empower their underwriters and customers alike.”

Golden Bear’s adoption of ResiQuant’s technology demonstrates the transformative power of AI in insurance, enabling carriers to thrive even in challenging environments by providing a holistic view of building vulnerabilities. This partnership highlights ResiQuant’s commitment to enhancing market stability and helping communities recover faster from disasters. The new funding will be used to extend the capabilities of ResiQuant’s platform and grow their engineering and AI units to support carriers across all major US property markets.

“As the frequency and severity of earth and climate disasters intensify across the P&C industry, carriers must adopt more granular, engineering-driven approaches to assessing property risk,” said Dr. Laurie Johnson, a leading disaster risk management expert and ResiQuant advisor. “Objective, building-level insights are fundamental to refining underwriting decision-making and risk modeling, and enhancing community resilience to future hazards.”

“ResiQuant is transforming how we process submissions, delivering risk-specific engineering insights at remarkable speed,” said Michael Brown, VP of Property at Golden Bear Insurance Company. “This is helping our underwriters better understand each risk, set pricing based on robust and specific risk data, and write CAT exposed business with greater confidence based on better information.”