BlackFin Capital Partners

Descartes Underwriting is a managing general agency based in Puteaux, France, that specializes in underwriting insurance policies for various sectors, including agriculture, hospitality, mining, construction, and energy. Founded in 2018, the company focuses on climate risk modeling and offers innovative insurance solutions that address risks such as flooding, wildfires, and droughts. Through partnerships with corporate brokers, Descartes designs bespoke and affordable insurance products while leveraging a data-driven approach to risk transfer. In addition to underwriting, the company provides claims management services and develops technology-based solutions, including pricing engines and APIs, to enhance the insurance experience for businesses.

Developer of an online insurance platform designed to focus on financial lines such as directors and officers, cyber, criminal law protection, and professional indemnity insurance. The company's platform provides brokers with their own digital infrastructure from tendering new business to policy, renewal, and portfolio functions to an extensive knowledge base along with automated underwriting, enabling commercial and industrial customers to save time and achieve better results.

Akur8, based in Paris, France, is a company that specializes in an AI-driven insurance pricing platform. Founded in 2018, it focuses on providing insurance carriers with advanced pricing automation and optimization solutions. The platform integrates cutting-edge algorithms that can quickly identify anomalies and uncover new patterns, allowing for the creation and updating of pricing models at a significantly faster rate than traditional methods. By streamlining the pricing process—from data preparation to commercial optimization—Akur8 enables insurance companies to enhance their profitability and gain a competitive edge in the market.

Bdeo Technologies SL offers automation services for claims and underwriting in the insurance sector through its visual intelligence platform. Founded in 2017 and based in Madrid, Spain, with an additional office in Mexico City, Bdeo leverages artificial intelligence to analyze multimedia information and generate documentary evidence for insurance claims processing. The platform aims to improve the customer experience by streamlining the entire insurance journey, from underwriting to claim processing. It enables insurers to identify risks and damages in real-time, facilitating quicker assessments and decisions. This capability aids in fraud detection and expedites payments to customers when claims are approved.

Descartes Underwriting is a managing general agency based in Puteaux, France, that specializes in underwriting insurance policies for various sectors, including agriculture, hospitality, mining, construction, and energy. Founded in 2018, the company focuses on climate risk modeling and offers innovative insurance solutions that address risks such as flooding, wildfires, and droughts. Through partnerships with corporate brokers, Descartes designs bespoke and affordable insurance products while leveraging a data-driven approach to risk transfer. In addition to underwriting, the company provides claims management services and develops technology-based solutions, including pricing engines and APIs, to enhance the insurance experience for businesses.

Akur8, based in Paris, France, is a company that specializes in an AI-driven insurance pricing platform. Founded in 2018, it focuses on providing insurance carriers with advanced pricing automation and optimization solutions. The platform integrates cutting-edge algorithms that can quickly identify anomalies and uncover new patterns, allowing for the creation and updating of pricing models at a significantly faster rate than traditional methods. By streamlining the pricing process—from data preparation to commercial optimization—Akur8 enables insurance companies to enhance their profitability and gain a competitive edge in the market.

Descartes Underwriting is a managing general agency based in Puteaux, France, that specializes in underwriting insurance policies for various sectors, including agriculture, hospitality, mining, construction, and energy. Founded in 2018, the company focuses on climate risk modeling and offers innovative insurance solutions that address risks such as flooding, wildfires, and droughts. Through partnerships with corporate brokers, Descartes designs bespoke and affordable insurance products while leveraging a data-driven approach to risk transfer. In addition to underwriting, the company provides claims management services and develops technology-based solutions, including pricing engines and APIs, to enhance the insurance experience for businesses.

FRISS has 100% dedication to fraud, risk and compliance for non-life insurance companies worldwide. FRISS helps insurers to achieve profitable portfolio growth and improve their perception in the market as a trustworthy insurer. FRISS is a ready-to-use business solution and improves the insurers' loss ratios by identifying high risks and fraud at quotation, underwriting and claim handling across all private and commercial lines. The FRISS® Score enables better decisions since it indicates the risk for each quotation, policy or claim. FRISS is global market leader with 150+ implementations in over 30 countries. FRISS (www.friss.com) offers a complete solution for fraud, risk and compliance. ☆ Risk assessment at underwriting ☆ Generate profitable growth for your portfolio by real-time automated detection and assessment of risks during the underwriting process. It is important to prevent fraud and assess risks by having a holistic view of prospects before they enter your portfolio. The FRISS underwriting solution provides an intelligent and uniform risk estimation, which is proven to improve the combined ratio significantly. ☆ Prevent and detect fraud at claims ☆ The general assumption is that, at average, around 10% of all Insurance Claims are tied to some sort of fraud. In order to finance these malicious claims, we all pay additional for our Insurance Policies. Three things are important: - How to detect fraud correctly and efficiently? - How to detect malicious customers in time? - How do you handle this in your daily operational business? Reduce your loss ratio by increasing the chances of detecting fraud and limit false positives to a minimum. Use automated fraud detection during the claims process to make an accurate and objective estimation of the risks related to a claim. It improves straight through processing (STP), and claims that need further attention will be recognized directly. ☆ Become and stay compliant ☆ Compliance concerns all insurance processes. Become and stay compliant with the latest legislation and regulations. Knowing and screening your customers will prevent reputational damage and avoids high penalties. Gain insight into Ultimate Beneficial Owners (UBOs). This will enhance the quality of your underwriting process. Furthermore, administrative burdens will be reduced to a minimum. FRISS is recognized by Gartner in 2014 as the European market leader and striving to become the global leader.

Santiane.fr, a subsidiary of Groupe Santiane SAS, specializes in health insurance brokerage in France. Founded in 2006 and headquartered in Nice, the company provides a user-friendly online platform for individuals and businesses to compare medical and supplementary health insurance options. Santiane.fr offers a simplified comparison tool that allows clients to filter and select insurance plans tailored to their specific needs. The platform is supported by a team of over 200 advisors who assist customers throughout the selection process, ensuring transparent access to competitive insurance offerings. In addition to health insurance, Santiane.fr also provides guidance on other types of coverage, including life, funeral, and pet insurance. With a strong emphasis on customer satisfaction, the company has garnered over 78,000 reviews, achieving a high average satisfaction rating. By utilizing a secure, digital process, Santiane.fr aims to make the comparison and subscription of health insurance straightforward and accessible for all clients.

LSA Courtage, founded in 1970 and based in Boulogne Billancourt, France, specializes in providing car insurance solutions for both French citizens and foreigners with various driving licenses. Operating under the brand Assurpeople.com, the company offers a range of auto insurance contracts tailored to diverse driver profiles, including those who may have faced previous insurance rejections. LSA Courtage aims to deliver the best insurance options based on individual needs and driving history. In addition to auto insurance, the company also provides coverage for home, two-wheel vehicles, health, and school insurance, reflecting its commitment to serving a wide array of clients and their specific insurance requirements.

LSA Courtage, founded in 1970 and based in Boulogne Billancourt, France, specializes in providing car insurance solutions for both French citizens and foreigners with various driving licenses. Operating under the brand Assurpeople.com, the company offers a range of auto insurance contracts tailored to diverse driver profiles, including those who may have faced previous insurance rejections. LSA Courtage aims to deliver the best insurance options based on individual needs and driving history. In addition to auto insurance, the company also provides coverage for home, two-wheel vehicles, health, and school insurance, reflecting its commitment to serving a wide array of clients and their specific insurance requirements.

Comparadise Groupe is an independent online platform based in Paris, France, that specializes in comparing insurance and banking services. Founded in 2012, the company enables users, including individuals and small to medium enterprises, to compare a variety of insurance policies, such as vehicle, health, housing, and professional insurance, as well as credit options. The platform connects directly to insurers and banks, providing real-time quotes and contracts sorted by price and features, allowing users to make informed decisions. Comparadise encompasses several financial services comparison sites, including Hyperassur, which focuses on general insurance, Mutuelle Conseil for health insurance, and Kredity for consumer credit and online banking. This comprehensive approach helps users easily access and purchase suitable insurance policies and financial products online or via call centers. As of late 2020, Comparadise operates as a subsidiary of April SA.

Compamut SA operates a health insurance comparison website, enabling users to compare various health insurance options available in the market. Established in 2008, the company is headquartered in Marseille, France. By providing a platform for users to evaluate different insurance plans, Compamut aims to simplify the decision-making process for individuals seeking health coverage.

MisterAssur provides a free online service through its website www.misterassur.com, which enables Internet users to compare a wide range of insurance products by price and features and then subscribe online or over the phone. MisterAssur works with a wide panel of insurers and brokers, and benefits from a strong presence in niche markets including motorbike, camping car and pet insurance.

Chiarezza is an Italian company based in Milan, founded in 2010, that specializes in online price comparison services for the insurance sector. Through its website, Chiarezza offers users a free platform to compare various insurance products based on price and features, allowing them to subscribe online or via phone. The company collaborates with a diverse range of direct insurers, operating primarily as an insurance aggregator. Its platform enables users to analyze insurance plans for vehicles and assess coverage options for risks like fire and theft. Chiarezza generates revenue through a brokerage fee model, earning fees for both new subscriptions and the renewal of insurance policies.