For exposure and analytics teams
See how prevention changes your portfolio risk.
Quantify how prevention reduces portfolio losses and tail risk, with explainable, property-level intelligence instead of portfolio proxies.
Trusted by industry leaders
Why Mitigrate
Put a value on prevention.
Exposure models show where risk concentrates. Mitigrate connects that view to the properties and measures that could reduce it, helping you quantify prevention, prioritise investment and explain the resulting change in portfolio risk.
01
Find the greatest prevention opportunities
Identify the properties driving preventable losses and rank where intervention could deliver the greatest benefit.
02
Explain the building-level difference
Connect vulnerability to building characteristics, water entry points and protection, using the evidence available for each property.
03
Quantify the impact of prevention
Compare expected losses before and after measures, with costs and estimated returns to support investment decisions.
04
Track a more resilient portfolio
Bring verified measures back into the loss assessment and use the results to support portfolio, capital and reinsurance discussions.
In practice
Connect individual measures to portfolio outcomes.
01
Find where prevention changes the portfolio most
Screen the book to identify concentrations of preventable loss and prioritise the properties worth investigating.
Portfolio
Preventable loss
Priority properties
Rank assets by loss-reduction potential and return on prevention.
Explore concentrations by geography, property and building type.
02
Model what targeted prevention could achieve
Assess how prevention at individual properties could reduce losses across the portfolio.
Current AAL
Prevention scenario
AAL after prevention
Compare average annual loss and selected return-period losses before and after prevention.
Evaluate prevention scenarios to support investment priorities and tail-risk analysis.
03
Track portfolio risk as protection is verified.
Separate expected benefits from planned measures from those already installed and verified.
Planned
Installed
Verified
Updated loss view
Use verified entry points and installed measures to refine vulnerability assessments.
Track changes in modelled loss as prevention programmes are implemented.
For exposure and analytics teams
Use prevention data to guide portfolio decisions.
Use a consistent property-level basis to connect technical analysis, prevention investment and portfolio reporting, alongside the models your teams already rely on.
Prioritise investment
Direct prevention budgets towards properties and measures with the greatest expected benefit.
Strengthen technical analysis
Use explainable vulnerability and loss-reduction inputs to support pricing assumptions and scenario comparisons.
Support capital and reinsurance decisions
Provide an evidenced view of how installed prevention changes modelled losses for teams evaluating capital needs and reinsurance structures.
Report measurable progress
Show which measures are proposed, which are verified and how the portfolio loss assessment changes over time.
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
AAL before and after
Quantify the change in average annual loss from prevention.
1:20 – 1:100
Compare modelled losses at standard return periods.
Verified inputs
Entry-point and protection evidence linked to individual properties.
50M+
Buildings covered in the Nordics and the UK.
FAQ
Flood prevention and exposure analytics
How does Mitigrate work with existing flood and catastrophe models?
Mitigrate complements the models you already use. It adds property-level vulnerability, recommended measures and their expected loss-reduction value, helping your teams assess how prevention changes the existing risk picture.
What makes the vulnerability assessment property-specific?
Mitigrate uses building characteristics and available evidence about openings, entry heights and protection. Where those details are known, the assessment models how water enters the building. Where data is limited, it uses established depth-damage methods, with surveys providing additional detail.
Which loss metrics can teams assess?
Outputs include ground-up losses at standard return periods and changes in average annual loss. These provide inputs for assessing prevention scenarios and their implications for portfolio losses and tail risk within your modelling framework.
How can we prioritise a limited prevention budget?
IDENTIFY ranks properties by preventable loss and return on prevention. Combined with estimated measure costs, this helps teams compare opportunities and focus investment where it could deliver the greatest reduction.
How is completed prevention reflected in the analysis?
VERIFY captures evidence of installed measures and actual entry points. That information feeds back into the property assessment, allowing teams to update modelled losses and distinguish verified implementation from proposed prevention.
What do we need to get started?
An address list or property identifiers provide the starting point. Results are available through the browser platform or an API, with no integration required on day one. Additional building data and survey evidence can refine the assessments.
Across the carrier
Analytics teams don't work in isolation and neither does Mitigrate.
Take the next step
See what prevention could change across your book.
Identify the properties to act on first, compare prevention scenarios and quantify what they could mean for portfolio losses and tail risk.