Sustema AG

Sustema makes it easy for insurers to integrate ESG data into existing underwriting processes and significantly improve underwriting performance. Existing customers have seen loss ratio gains of 10-35% in backtesting their portfolios.

Our behavioural analytics technology builds upon insurers existing underwriting guidelines, providing the entire underwriting team with a comprehensive and consistent client view. Client-level capacity allocation guidance for over 17’000 companies makes clients and industry groups comparable, supports strategy setting and greatly enhances client targeting. Helping insurers more swiftly and effectively target clients with behavioural characteristics in line with their underwriting appetite.