Climate intelligence and smart data to predict future risks
addactis® Property Risk Intelligence is a solution that combines data and actuarial expertise, enabling you to offer a personalized customer experience for your property insurance by anticipating future risks.
Reconciling policyholders’ expectations and insurers’ technical constraints
For the customer, the main expectation is for simplicity, speed, and transparency when obtaining a coverage quote. For the insurer, the complexity of capturing and analyzing internal and external data is the main challenge in understanding the multidimensional nature of risk. Our innovative approach to property insurance allows us to fully reconcile these two positions.
Underwriters are challenged to collect and compile the best combination of available data, comparing it with both risk assessment and customer experience throughout the entire lifecycle of the relationship with policyholders.
Take advantage of our know-how and our data and AI expertise to challenge your underwriting, improve your knowledge of your portfolio, and revisit your customer experience.
- Climate change
- Performance & competitiveness
- Risk prevention
- Better portfolio visibility
- Optimized underwriting
CLIMATE CHANGE
Address the acceleration of climate change
Risk and exposure management, insurability, prevention, reinsurance… An opportunity to differentiate yourself by positioning your company as a committed and responsible player in the face of climate and economic change by offering your customers risk prevention and mitigation solutions.
PERFORMANCE & COMPETITIVENESS
Improve your performance and competitiveness
Benefit from a strategic tool for your performance and competitiveness that reduces your operating costs and strengthens your financial resilience by optimizing claims management and benefiting from a market benchmark.
RISK PREVENTION
Implement a totally innovative claims prevention policy
Benefit from real-time access to a set of relevant data, selected for your challenges and updated throughout the customer relationship lifecycle. This will enable you to plan prevention actions adapted to your customers and give them greater serenity.
BETTER PORTFOLIO VISIBILITY
Improve your knowledge of your customer portfolio
Thanks to an innovative, AI-native solution based on geolocated and original variables, assess and anticipate risks to estimate potential claims, better manage your portfolio’s exposure to climatic events, implement effective multi-equipment campaigns, and improve the services offered to your distribution network and customers.
OPTIMIZED UNDERWRITING
Offer a personalized and simplified customer experience
Digitize and simplify your underwriting processes by integrating AI and generative AI, reducing the number of questions needed to prepare a quote while benefiting from more accurate and up-to-date information on risk factors.
FEATURES
Optimize your decision-making with data & AI
Our solution, addactis® Property Risk Intelligence, provides an enriched granular view and predictive capabilities to literally address multidimensional risk knowledge (building, environment, insurance scoring) and respond to insurers’ long-term profitability and insurability challenges.
The solution provides a decision-making accelerator for the various business experts within the company and actionable levers for efficient strategic management.
It provides P&C insurers with totally innovative optimization tools in terms of customer experience, smooth underwriting processes, service personalization, and risk management and control.
Customer care
Simplify and improve your underwriting processes to increase customer satisfaction.
Portfolio management
Improve your pricing optimization and portfolio control.
Efficiency
Improve the operational efficiency of your teams and increase your productivity.
Solvency
Optimize your reinsurance programs and reduce your acquisition costs.
Compensation
Improve your operational efficiency in claims management and your compensation processes.
CRM & Customer Support
Access comprehensive data and improve your customer support.
Retention Improvement
Optimize your prevention approach with better risk awareness.
THEY TRUST US
Our users share their experience
Suravenir Assurances, France
We are delighted to support Suravenir Assurances in their current challenges. We are facing rapid changes in available technologies and we are convinced of the need to fully understand them in order to support the transformation of the insurance business and streamline the experience of policyholders. Based on four years of R&D, our smart data helps to create solutions for adapting P&C products to ensure their sustainability in the face of climate change.
Pascal Mignery, Chairman, Addactis for Suravenir Assurances
Thélem Assurances, France
I firmly believe that external data will revolutionize the insurance industry, because we are constantly torn between two objectives: obtaining as much data as possible at the time of subscription in order to set a fair price and get to know the customer better with a view to prevention, while at the same time limiting the number of questions asked at the time of subscription and optimizing the customer journey. Now, with the ‘smart data’ offered based on Addactis’ attributes, and their business expertise and modeling, we are able to reconcile these expectations.
Pascal FELIOT, Solution Director, Insurance Solutions and Partnerships, Thélem assurances
RESOURCES
Explore all our content related to our solution
Find all our content and analysis related to the solution and climate topics, written by our experts.
EEA’s EUCRA report: an alarm signal for climate risk
One of the EEA’s objectives is to support sustainable development by helping to make significant and measurable improvements to Europe’s environment and by developing the network of national environmental protection bodies.
FAQ
More information about addactis® Property Risk Intelligence
How is the personal data of policyholders processed in the solution?
When subscribing to our solution’s Services, Addactis may need to process the personal data of its clients’ policyholders, members, or prospects for the purpose of logging actions on the Services.
What is the reference framework for the addactis® Property Risk Intelligence solution?
The solution is based on a single reference framework dedicated to insurance needs, which is comprehensive and scalable to support evolving sources, the creation of new attributes, and new modeling techniques. This reference framework includes more than 200 attributes specific to building characteristics, specific to the building’s environment, and scoring attributes for insurance risks.
What does the solution addactis® Property Risk Intelligence offer?
The solution consists of five packages to meet the specific needs of each insurer:
- Climate Research Pack, to accelerate their R&D development by receiving access to Addactis’ unique data and expertise.
- Portfolio Analytics Pack, to better control their risks and gain a precise understanding of the contracts and risk areas in their portfolio.
- Risk & Prevention Pack, to better understand risks at the time of underwriting to adapt their underwriting policy and/or better support the most at-risk customers.
- Live Access Pack, to use the solution’s data in their underwriting process to simplify the experience and adapt advice and pricing around the insurance proposal.
- Leadgen Pack, to multi-equip their customers who are already equipped by using descriptive data about their homes to better target their sales efforts.
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