为洪水受害者提供保险,创企FloodFlash获190万英镑种子轮融资 - 互联网金融门户 未央网

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为洪水受害者提供保险,创企FloodFlash获190万英镑种子轮融资

国际资讯基于互联网平台的金融业务

为洪水受害者提供保险,创企FloodFlash获190万英镑种子轮融资

洪水保险不足问题可以说是保险领域最大的未解决问题。在过去十年中,平均每年有410亿美元的洪灾损失未被保险覆盖,迫使人民、企业和政府来为此支付账单。据估计,全球洪水造成的损失高达500亿美元。目前,其中只有90亿美元被保险覆盖。

FloodFlash作为一家保险技术初创公司,通过部署互联网连接的水传感器(即使在高风险地区),为客户提供了一种为他们的财产投保洪水保险的方法。近日,该创企获得了190万英镑的种子融资,投资者包括LocalGlobe、Pentech Ventures和InsurTech Gateway。他们曾在2017年获得了一轮种子轮融资,投资者包括Hambro Perks Insurtech Gateway和一名私人投资者。

当洪水发生时,它会触发一个与互联网相连的水传感器,并立即向保单持有人付款。FloodFlash的保单会在达到预设的洪水泛滥程度之后,立即支付一笔预先商定的固定金额。作为安装传感器的回报,一部分溢价会流向FloodFlash,此外还有自动承销和索赔服务。

创始人Adam Rimmer和Ian Bartholomew在研究了“参数灾难债券”后创建了该公司。这些通常被大公司或政府用来在灾难发生时覆盖大笔款项,但是他们带来的许多好处以前对中小型企业来说是不可获得的。

Rimmer说:“每年都有成千上万的企业主失去生计,因为他们无法通过一个负担得起的保单来保护他们的企业。灾难性洪水过后不久,人们更关心的是他们的企业是否能够生存下去,而不是赔偿损失。我们相信,对于保险人来说,FloodFlash基于事件的保险绝对是覆盖高风险地区的最佳方式。”

FloodFlash受FCA监管,目前正在英国部分洪水风险较大的区域,与中小企业合作对其保单进行现场试点。

FloodFlash保单的保险能力是由Everest Re通过他们在Lloyd’s of London的联合组织所提供的。

这家初创公司曾隶属于InsurTech Gateway——这是一家自2017年中期以来致力于保险技术的孵化器。

LocalGlobe的合伙人Tara Reeves表示:“气候变化正在导致更多极端的天气事件,但是这些通常很难保险。参数保险极大地降低了承保和损失调整成本,消费者可以享受到降低的成本。Adam和Ian在风险建模和水文方面的背景非常适合这一挑战。”

Pentech Ventures的合伙人Eddie Anderson表示:“FloodFlash是一个具有全球潜力的企业。地球上没有一个国家的恶劣或反常天气不会造成破坏。我们认为世界各地的市场会欢迎这种创新、符合成本效益的销售保险方式,这种方式考虑了我们今天的生活方式。”

The flood underinsurance problem is arguably the largest unsolved problem in insurance. Over the last ten years, an average of $41bn per year of flood damage has gone uncovered by insurance, leaving people, businesses and governments to pay the bill. It’s estimated that there are $50bn of losses caused by floods around the world. Currently, only $9bn of these are covered by insurance.

FloodFlash, an insurtech startup that offers a way for customers to insure their property for flood risk, even in high risk areas, by employing an internet-connected water-sensor has raised £1.9m in seed funding from LocalGlobe, Pentech Ventures and InsurTech Gateway. They previously secured a pre-seed/Angel round in 2017 (Hambro Perks Insurtech Gateway and one private investor).

When a flood happens, it triggers an internet-connected water-sensor and the payment is made immediately to the policy holder. A FloodFlash policy pays out a pre-agreed, fixed sum as soon as a pre-defined level of flooding occurs. A slice of the premium goes to FloodFlash in return for installing the sensor, plus automated underwriting and claims services.

Founders, Adam Rimmer and Ian Bartholomew, created the company after looking at “parametric catastrophe bonds”. These are typically used by large corporations or governments to recover large sums in the event of a catastrophe, but many of the benefits they confer were previously unavailable to small- and medium-sized enterprises.

Rimmer says: “Every year tens of thousands of business owners lose their livelihoods because they have been unable to take out an affordable policy that protects their business. In the immediate aftermath of a catastrophic flood, people care less about dollar-for-dollar reimbursement for damages and more about whether their business will survive at all. We believe FloodFlash’s event-based insurance is absolutely the best way for insurers to cover higher-risk areas.”

FloodFlash is regulated by the FCA and is currently carrying out a live pilot for its policies with a select group of SMEs in parts of the UK with significant flood risk, including Carlisle.

Insurance capacity for FloodFlash policies is provided by Everest Re through their syndicate at Lloyd’s of London.

The startup has been working as part of the InsurTech Gateway, the InsurTech focused incubator since mid 2017.

Tara Reeves, partner at LocalGlobe, said: “Climate change is leading to more extreme weather events, but these are often hard to insure. Parametric insurance dramatically reduces underwriting and loss adjustment costs, and those savings can be passed on to the consumer. Adam and Ian’s background in risk modelling and hydrology is uniquely suited to this challenge.”

Eddie Anderson, partner at Pentech Ventures,  said: “FloodFlash is a business that has global potential. There is no country on the planet where severe or freak weather does not cause havoc, whether it is flood or hurricane. We think markets around the world will welcome this innovative, cost-effective way to sell insurance that has been adapted to take into account the way we live today.”


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