Mitigrate and Gjensidige Shortlisted for 2025 Insurance Insider Honours for Climate-Responsive Claims

Mitigrate and Gjensidige have been named finalists for the 2025 Insurance Insider Honours in the Claims Service Award category. This recognition highlights a significant shift for carriers and MGAs, demonstrating how integrating climate-responsive SaaS platforms into the claims process can transform reactive payouts into proactive risk mitigation, ultimately reducing loss ratios and enhancing policyholder resilience.

What was announced

The shortlisting follows the companies' collaborative response to severe natural disasters in Norway. In August 2023, Storm Hans triggered over 10,000 claims and nearly NOK 1.8 billion in losses, exposing an urgent requirement for more adaptive claims practices. When major flooding returned to Oslo in 2024, Gjensidige integrated Mitigrate’s SaaS platform into its claims workflow rather than reverting to traditional restoration methods.

The partnership enabled claims managers to provide location-specific, actionable flood prevention guidance to affected customers. This digital approach allowed Gjensidige to move from a traditional compensation model to one centered on collaboration and adaptation. The platform’s structured workflows reduced the need for follow-up communications, while the preventative measures helped lower the carbon footprint associated with avoidable repairs and waste. By helping households take direct action, the programme aimed to reduce emissions and systemic climate risk.

The recognition comes as Mitigrate accelerates its international growth. Following its 2025 launch in the UK, where it is already onboarding clients, the company is targeting Germany and France for its next phase of expansion. Further entries into the Australian and Canadian markets are planned for 2026. This trajectory reflects an increasing demand among global insurers for tools that address climate risk within the existing claims infrastructure.

The companies involved

Mitigrate is a technology provider specializing in flood mitigation and climate adaptation. Its core offering is a SaaS platform designed to help insurers and policyholders identify specific risks and implement preventative measures. By digitizing the mitigation process, the company aims to reduce the frequency and severity of claims related to extreme weather events, which are becoming increasingly common across Europe and North America.

Gjensidige is a prominent Nordic insurance group with a significant market presence in Norway and the surrounding region. As a leading carrier, it manages a diverse portfolio of property and casualty risks. The company has recently focused on evolving its claims handling capabilities to meet the challenges posed by climate change, moving away from standard restoration toward a model that emphasizes long-term resilience. The partnership with Mitigrate represents a strategic effort by Gjensidige to leverage external insurtech expertise to modernize its core claims functions and meet environmental, social, and governance (ESG) objectives through reduced material waste and improved household safety.

What FF News has reported before

FF News has previously tracked Mitigrate’s efforts to build a comprehensive ecosystem for flood risk management. In late 2026, the publication reported that Previsico and Mitigrate Partner to Transform Flood Forecasting into Proactive Prevention. That collaboration focused on merging Previsico’s hyper-local flood forecasting technology with Mitigrate’s prevention platform. The goal was to provide insurers with a solution that could not only predict when a flood would occur but also provide policyholders with the specific physical steps required to protect their property before the water arrived. This earlier reporting underscores Mitigrate's consistent focus on shifting the insurance value chain from reactive indemnity to proactive protection.

What this means from an insurtech perspective

This announcement signals a maturing of the "prevent and protect" movement within the global insurance industry. For too long, the claims process has been a friction-heavy cost center; by embedding mitigation technology, carriers like Gjensidige are turning a moment of loss into a value-add service. This puts pressure on incumbent vendors who offer traditional, static claims management systems that lack climate-intelligence layers. From an underwriting perspective, the ability to capture data on which policyholders have implemented physical flood defenses provides a more granular view of risk, potentially leading to more accurate pricing and improved reinsurance terms in high-risk geographies.