For insurers, brokers & risk managers
Insuring the building is easy. But…
RiskTech discovers the dynamic risk behaviours insurers don’t see, adding the missing layer of live operational behaviour to underwriting, claims and prevention.
Static vs dynamic risk
Knowing the venue isn’t enough without understanding daily operations.
Traditional underwriting relies on static data: construction, square footage, claim history, crime statistics and declared controls. That is what the insurer knows when setting the premium.
Dynamic risk is what RiskTech knows 24/7 and the insurer does not. Behaviour-driven risk such as maintenance checks, fire inspections, health and safety audits and cleaning deployment.
Static risk says…
Fire suppression sprinklers installed. Emergency lighting with battery backups in place. Wet floor signs and rubber matting available.
Dynamic risk reveals…
Sprinkler valves not maintained correctly. Fire exit doors chained while the venue is open. Cleaners not deployed to spills and hazards.
RiskTech closes the gap
Helping insurers better measure and predict risk to prevent claims, and helping operators prove prevention.
The venue black box
A live view of how risk is actually managed.
Like telematics changed motor insurance, RiskTech shows how a venue is actually operated day to day: whether critical controls are completed, where risk is drifting, how quickly teams respond, and whether prevention is improving over time.
Verified identities, actions and events create time-stamped, immutable records, with blockchain-backed transparency insurers can trust, and permission-controlled access for brokers and claims teams.
Discuss insurer partnershipsClaims-ready visual evidence
Every photo and video is linked to location, asset, task, incident, timestamp, response action and operational history, creating a structured, defensible evidence pack.
Automated FNOL
First Notification of Loss can be fully automated directly from the incident site through the secure app.
Risk reduction signals
Near misses, missed tasks, repeated incidents and control adherence become measurable risk indicators.
Claim defensibility
Proof of checks completed before the event strengthens liability review and moves claims from opinion to evidence.
From operational evidence to insurance confidence
When risk is proven to reduce, insurers respond.
At Battersea Power Station, brokers at Lockton used 12 months of verified RiskTech operational data to approach the insurance market with evidence rather than assumption, securing a 28% premium reduction on the primary layer (~£200,000 per annum) and additional savings on excess layers, delivering an overall 35% saving on the Public Liability tower.
At one of the UK’s largest retail destinations, RiskTech supported an 18% reduction in insurance claims and a reduction in public liability insurance.
Read the full case studies
Insurers, brokers, risk managers