Company: AXA Digital Commercial Platform
CEO: Pierre Du Rostu
Website: https://axaxl.com/axa-digital-commercial-platform
About AXA Digital Commercial Platform
AXA Digital Commercial Platform (DCP) was launched in 2023 in response to a simple fact: risk had changed, but the tools used across the insurance industry hadn’t. Climate change, cybercrime, geopolitical tension – these and other challenges had come together to form a single, interlocking field of exposure. Traditional models, informed by old claims data, were no longer enough. DCP set out to create a future-proof system that could integrate advanced technology, fresh data, and human insight into one coherent platform. The aim was to help clients understand risk as it is today: fast-moving, global, and shaped by forces that interact with and amplify one another.
The platform had to combine huge volumes of satellite data, geospatial analytics, climate science, cyber intelligence, and more into a system that was easy to use. It had to do this at scale, and with a level of accuracy that matched the growing severity of climate-driven disasters. Building this has meant working closely with leading technology partners, including Earth-observation companies, cybersecurity firms, and geopolitical consultants.
It also had to be fast. During a major catastrophe, insurers often have to wait days before gaining access to affected sites. During this window, clients suffer delays and experience acute anxiety. DCP appeared to solve this. Tools such as Geoclaims use AI and satellite data to provide near real-time insight into floods and fires as they unfold. This allows DCP teams to triage faster, direct resources more accurately, and support clients in situations where every hour counts.
For new technology to change an industry, teams must also be able to use it intuitively. DCP has invested heavily in the system’s architecture. The platform has developed thanks to repeated cycles of refinement, each one improving precision, visibility, and speed. By 2024, it had become a live system used across multiple regions, with new versions released throughout the year. These updates reduced the number of sites with poor location data to just two per cent, far below the industry norm of twenty-five per cent. They also expanded the number of client sites eligible for geospatial analysis by eighty per cent.
The platform helped other AXA teams respond during the floods in Valencia in 2024 by providing daily assessments of water levels even in areas that were inaccessible by road. It supported teams during the Los Angeles wildfires in early 2025 by monitoring fire progression and highlighting the sites most at risk. These are examples of a wider shift in insurance. DCP is moving the sector away from reactive support towards early warning, prevention, and risk reduction at scale. Prediction and prevention are the solution to the protection gap created by the polycrisis.
AXA Digital Commercial Platform has introduced a first-of-its-kind model that reflects the real structure of risk in the modern world. It has improved client outcomes, raised internal performance, and helped set a new standard for how insurers can work in a time defined by rapid change.
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