Transparent Capacity Rating Economics
Predictable Actuarial Pricing.
Zero Overage Penalties.
Eliminate six-figure annual cat model contracts. VesperSpatial delivers instant $29 property risk assessments and high-volume $0.15 programmatic API metering.
Programmatic API Usage Calculator
Live pricing for automated broker portal integrations and policy rating engines
$0.15 / Rooftop Quote
1005,00010,00020,000+
Estimated Monthly API Cost:
$375 /month
Available Pricing Tiers
Homeowner · Buyer · Realtor
Standard
$29/ property report
Single-address catastrophe risk inspection for homeowners, buyers, and real estate professionals.
- Wildfire, Flood & Storm hazard grades
- 3D LiDAR elevation & slope flame vectors
- California CDI § 2644.9 mitigation audit
- Insurability outlook & replacement rating
- Downloadable PDF risk certificate
Developer · Programmatic API
Pay-As-You-Go
$0.15/ validated quote
Ideal for insurtech engineers, developers, and surplus lines brokers running programmatic API checks.
- Sub-45ms FastAPI REST endpoints
- Multi-peril physical hazard scoring
- California CDI § 2644.9 credits
- Interactive web sandbox & test keys
Most Popular
MGA Program Authority
MGA Growth
$500/ month
Includes 5,000 monthly quotes ($0.10/quote overage), automated 5-mile PML monitoring, and CDI credits.
- Everything in Pay-As-You-Go
- 5-Mile radius PML accumulation engine
- Automated CUO referral workflows
- Full bordereau portfolio audit upload
- Audit trail certificates for reinsurers
Carrier / Reinsurer Treaty
Enterprise Treaty
Custom/ annual license
For primary carriers and reinsurers requiring real-time portfolio stress testing and customized catastrophe rate filings.
- Dedicated Cloud Run / VPC deployment
- Custom actuarial loss distributions
- Unlimited quote & bind capacity
- 24/7 actuarial support & 99.99% SLA
Pricing & Billing FAQs
Instant Property & Portfolio Intelligence
Inspect Any Address or Start API Underwriting
Instant parcel hazard checks, sub-meter terrain modeling, and programmatic REST API keys.
< 45ms Response Time•California CDI § 2644.9 Ready•No Commitments Required