For insurance and reinsurance brokers
Show clients where prevention pays.
Identify which assets to protect, quantify the impact of prevention, and show clients how it can improve insurability and pricing in direct insurance or reinsurance placements.
Trusted by industry leaders
Why Mitigrate
Give clients a clear plan to reduce flood losses.
Clients need to know what they can change and whether the investment is worthwhile. Mitigrate turns flood risk into property-specific prevention advice, with costs, expected benefits and evidence to support placement discussions.
01
Show clients where to start
Identify the assets driving preventable losses and prioritise the properties where action could make the greatest difference.
02
Make the investment case clear
Explain which measures could help, what they cost and how much modelled loss they could remove.
03
Support negotiations with evidence.
Bring a quantified view of prevention potential and remaining risk into conversations about cover, pricing and terms.
04
Back the improvement with evidence
Show insurers and reinsurers which measures are installed and how they change the modelled risk.
In practice
Turn flood risk insights into practical advice.
01
Focus the client on the right assets
Screen the property portfolio to identify where prevention could deliver the greatest benefit.
Client portfolio
Ranked assets
Investment priorities
Rank assets by preventable loss and return on prevention.
Give clients clear priorities for further assessment and investment.
02
Show what could improve each risk
Translate building-level vulnerability into specific measures and a quantified business case.
Current risk
Recommended measures
Cost and loss reduction
Compare recommended measures, estimated costs and modelled losses before and after prevention.
Use the findings to support client decisions and discussions with insurers.
03
Bring verified improvement to the market
Document completed measures and connect them to the risk being presented.
Measures installed
Verified
Placement and renewal
Provide property-level evidence to support direct placements and renewals.
Show how verified prevention changes the portfolio loss view in reinsurance discussions.
For brokers
Make prevention part of the advice clients act on.
Show which measures could reduce losses, what they cost, and how verified improvements can support negotiations on cover and pricing.
Guide client investment
Help clients decide which assets to protect and which measures offer the greatest expected benefit.
Support insurability discussions
Show where prevention could improve a risk and provide evidence for insurers assessing cover and terms.
Strengthen renewals
Bring a documented view of completed improvements and remaining vulnerabilities into the next market discussion.
Build the reinsurance case
Show reinsurers which flood protection measures are in place and how they reduce expected losses across the portfolio.
Trusted by insurers acting on flood risk at scale.
“
We see great potential in this solution. Over time, we can save several billions of Norwegian kroner in damage costs, and we do not doubt it will be profitable. As a minimum, the need for price increases forced by increasingly intense weather will be reduced.
Geir Holmgren
CEO, Gjensidige
“
Mitigrate is transforming flood risk assessment with its cutting-edge software platform that provides property insurers with actionable recommendations to prevent flood damages.
Rosie Denée
Head of Innovation, Commercial Education & Engagement, Lloyd’s
Property-level priorities
Ranked opportunities connected to individual assets.
Costed prevention
Measures with estimated loss reduction and return on investment.
Verified evidence
Georeferenced records of installed protection.
50M+
Buildings covered in the Nordics and the UK.
FAQ
Flood prevention and broking
How does Mitigrate help brokers advise clients?
Mitigrate identifies which properties drive preventable flood losses and recommends measures to address their vulnerabilities. Estimated costs and loss reduction help brokers explain where clients should focus and why the investment may be worthwhile.
Can Mitigrate support both direct insurance and reinsurance broking?
Yes. For direct placements, it provides property-level prevention recommendations and evidence. For reinsurance, it connects prevention across a cedent’s portfolio to changes in modelled losses, helping brokers present the programme and its expected impact.
How can prevention support discussions about pricing and terms?
Mitigrate models losses before and after prevention and documents installed measures. Brokers can use this information to support discussions about premiums, deductibles and coverage, with terms determined through the insurer’s or reinsurer’s assessment.
Can we compare prevention opportunities across a client’s portfolio?
Yes. IDENTIFY ranks assets by loss-reduction potential and return on prevention. This helps clients compare opportunities across locations and prioritise where to invest or commission further assessment.
How can clients demonstrate that improvements are in place?
VERIFY uses guided digital surveys to capture entry points and installed measures through georeferenced photos and measurements. The resulting evidence supports risk assessments and is designed to support market-specific resilience certificates.
What information is needed to begin?
An address list or property identifiers are enough to start screening the portfolio. Brokers can explore the results in the browser platform, then use more detailed property assessments and digital surveys to develop and evidence the prevention plan.
Across the carrier
Brokers don't work in isolation — and neither does Mitigrate.
Take the next step
Find the right flood protection for your clients.
See which assets to protect, what the investment could achieve, and how verified evidence can support your next client or market conversation.