Seamless Insure and Mitigrate Partner to Embed Climate-Risk Intelligence into Underwriting

Seamless Insure and Mitigrate have partnered to integrate flood prevention analytics directly into cloud-based underwriting workflows. This collaboration allows carriers and MGAs to embed location-specific climate intelligence into pricing and customer advisory, shifting the focus from reactive claims handling to proactive loss prevention in an increasingly volatile environmental landscape.

What was announced

The partnership centers on embedding Mitigrate’s climate-risk intelligence into the Seamless Insure platform. This integration targets the specific challenge insurers face when attempting to translate broad climate trends into actionable underwriting decisions for individual properties or portfolios. By providing climate-risk data at the point of sale, the system enables more accurate premium calculations based on real-time vulnerability assessments.

Beyond pricing, the collaboration focuses on the "early warning" aspect of risk management. Insurers can identify vulnerable properties within existing portfolios and provide brokers and policyholders with concrete steps to mitigate potential damage before a flood event occurs. This moves the interaction between the insurer and the insured from a purely financial transaction to a consultative relationship focused on resilience.

As part of this strategic alignment, Per-Øivind Andreassen, the Chief Commercial & Strategy Officer at Seamless Insure, has been appointed as an external Strategic Advisor to Mitigrate’s executive management. Andreassen will maintain his current role at Seamless while supporting Mitigrate in scaling its climate expertise for the broader insurance and brokerage market. The move is intended to help translate climate expertise into scalable value for insurers, brokers, and their customers.

"Climate change is not only a sustainability challenge for insurers, it is increasingly an underwriting and customer-advisory challenge. Insurers need to understand physical climate risk at both property and portfolio level and translate that insight into concrete action. Together with Mitigrate, we can strengthen Seamless's underwriting capabilities while enabling insurers and their partners to provide more valuable loss-prevention advice to customers,"

Nelius Strydom, Chief Executive Officer at Seamless Insure.

The companies involved

Seamless Insure is a provider of cloud-based insurance technology designed to modernize the core operations of insurance carriers and intermediaries. The company focuses on providing a flexible digital infrastructure that allows for the rapid integration of third-party data and services, which is essential for insurers looking to move away from legacy systems and adopt more agile underwriting practices.

Mitigrate is an insurtech specialist that focuses on flood prevention and climate-risk analytics. The company’s platform is designed to help the insurance industry understand and mitigate the physical risks associated with climate change, particularly flooding. By providing detailed property-level data, Mitigrate enables insurers to move beyond traditional risk maps and offer more granular, preventative advice to their customers. The company operates in a market that is increasingly demanding sophisticated environmental data to combat rising loss ratios in the property and casualty sector. Together, the two firms aim to bridge the gap between high-level climate science and the daily operational needs of insurance professionals.

What FF News has reported before

FF News has previously tracked Mitigrate’s efforts to expand its footprint in the proactive risk management space. In November 2026, the publication reported on a similar collaboration in Previsico and Mitigrate Partner to Transform Flood Forecasting into Proactive Prevention. That partnership focused on combining real-time flood forecasting with Mitigrate’s prevention analytics to provide a more comprehensive warning system for policyholders. This latest move with Seamless Insure represents a further step in embedding these capabilities directly into the core underwriting and policy administration systems that carriers use daily, rather than keeping risk data in a separate silo.

What this means from an insurtech perspective

This partnership highlights a critical shift in the insurance value chain: the move from "repair and replace" to "predict and prevent." For carriers and MGAs, the ability to price location-specific risk at the point of underwriting is no longer a luxury but a necessity to protect loss ratios against climate volatility. Incumbent vendors who fail to integrate such granular environmental data into their core systems are under increasing pressure from agile, cloud-native platforms like Seamless. By turning climate data into a broker-facing advisory tool, insurers can also improve customer trust and retention, transforming the policy from a grudge purchase into a tangible risk-mitigation service.