Earthian introduces the worlds first climate underwriting Small Language Model: Lucid Climate-0

Introducing Earthian AI’s Lucid Climate-0, the world’s first Climate Underwriting Language Model, enabling insurers to quantify and price physical climate risks with real-time precision. Trained on terabytes of proprietary environmental, geospatial, and insurance data, Lucid Climate-0 marks a major breakthrough in risk intelligence — enabling a deeper, data-native understanding of how climate impacts assets and portfolios.

Earthian's Lucid Climate-0 enables fast, accurate, and explainable underwriting across property, liability, and infrastructure portfolios — capturing real-world climate exposure, asset-level vulnerabilities, and regulatory requirements in real time. Built on Earthian’s agentic AI infrastructure, the model integrates satellite imagery, sensor networks, policy frameworks, and alternative data sources, transforming how insurers, reinsurers, and asset managers assess and price physical risk.

Lucid models will form a core pillar of Earthian’s AI-native risk infrastructure — enabling underwriting that is continuous, adaptive, and transparent.