Real-time intelligence from your policyholders' own cameras helps you prevent claims, price
more accurately, and offer something your competitors cannot. Here is what that looks like
across your book.
Why now
The market is shifting from paying for losses to preventing them
The perils these cameras watch for are among the largest and most frequent in property insurance, and the industry is already moving toward prevention.
£1.8mpaid out every day by UK insurers on escape of waterABI
£6.1bnUK property insurance payouts in 2025ABI
£22.9bna year, the cost of workplace injury and ill health in BritainHSE, 2023/24
28%of UK worker deaths are falls from height, the single leading causeHSE, 2024/25
Prevention already pays for insurers. A leading UK insurer gives every buildings-insurance customer a free leak detector, and insurer leak-detector programmes report around 39% fewer water-damage claims. The same logic, fund prevention and cut claims, is what AI CCTV extends across fire, safety and security.
These figures show the scale of the perils and the direction of the market, not Mitigate It's own results. Sources: ABI, HSE and LeakBot.
The value
Benefits across the book
Fewer incidents
Prevent incidents before they become claims through real-time alerts on site.
Smaller claim values
Earlier detection and faster response reduce the severity of the claims that do happen.
Higher retention
A genuinely useful, value-added service makes your proposition harder to leave.
Policy validation
Validate declared policy information against real conditions on site.
Enhanced underwriting data
New behavioural and risk signals support more accurate pricing decisions.
Market advantage
A differentiated product, and the room to compete on price where risk is genuinely lower.
The risk intelligence loop
01Detect
Live risk signals from the site, starting with the CCTV already running
02Act
Alerts reach the people on site in time to step in
03Learn
Structured risk data flows back to underwriting
04Price
Cover, terms and renewal reflect the real risk
Then it repeats. Every cycle adds data, and pricing moves closer to reality.
What you receive
The underwriting layer, not just the site's alerts
Site teams always get the live dashboards and alerts. With the customer's consent, agreed as a policy term, the data layer reaches you too: a live view of the whole book, every site scored and trending, with the cameras, use cases and alert record behind each score.
Portfolio dashboard
Illustrative
72%overall safety score
36 of 37sites active
148cameras monitored
2non-compliant records open
Sites by safety score
Site A · Warehouse↑ 482%
Site B · Distribution↑ 278%
Site C · Yard·64%
Site D · Factory floor↓ 357%
Site E · Plant room↓ 641%
The whole book ranked by safety score and 30-day movement, so attention goes where the risk is.
Site A · 30-day trend
7D30D
20 of 20 cameras active
6 use cases live
Alerts this month: PPE 12 · Water 3 · Intrusion 1
Also in the platform: per-site alerts summaries, non-compliant record tracking, site plans, and 7 or 30 day views. Exports and reports are agreed per deployment.
Illustrative views with example figures, not customer data; exact dashboards, exports and reports are configured per deployment. Some insurers may choose to offer the product both with and without data sharing: even without the data layer, the prevention tool stands on its own.
Validation and claims integrity
From accurate underwriting to fair claims
AI CCTV gives an objective, time-stamped record of what actually happens on site. That supports two things you care about: pricing the real risk, and settling claims on the facts.
Underwrite on what is actually there
Under the Insurance Act 2015, commercial cover rests on the risk being fairly presented. Continuous site evidence lets you confirm that declared activities, occupancy and working practices match reality, so pricing and terms reflect the real exposure. It is validation, not accusation.
Settle claims on the facts
Exaggerated loss is the most common type of detected insurance fraud, at £466m in 2024. An objective, time-stamped record helps genuine claims settle quickly and fairly, while inflated or misdescribed claims are easier to question. Honest policyholders are protected, and the leakage that pushes up premiums is reduced.
Integrate AI-powered video analytics into commercial combined policies to offer comprehensive cover with intelligent risk monitoring that works to prevent claims before they happen.
A logistics operator running a large warehouse could be monitored across several risk categories at once:
LiveCamera 07 · Warehouse
Forklift proximity
Fire detection
Early smoke and flame detection to help prevent major property damage.
Theft prevention
After-hours intrusion and suspicious activity monitoring.
Water damage
Escape of water detection from sprinkler systems and structural leaks.
PPE detection
Monitoring of personal protective equipment compliance.
Plant safety
Forklift and machinery operation monitored for safe use.
Safe practices
Patterns of unsafe activity surfaced for training and improvement.
The intent: fewer incidents across risk categories, lower claim frequency and severity, safer operations, and a healthier loss ratio. The figures for any given site depend on its risks and how the platform is configured.
Genuine risk reduction can support more competitive premiums.
How partnering works
From first conversation to live cover
The starting point is your existing product with an AI CCTV addition, not a rebuild. Here is the journey, end to end.
01
Build the product
You adapt your existing policy terms to include the AI CCTV element. It is your product with an addition, not a new product from scratch, and we advise on suitable segments, use cases and pricing treatment.
02
Permissions and data sharing
Customer consent and data-sharing terms are put in place, with our input on exactly what the technology needs, so camera-derived data can flow to you compliantly.
03
Brokers onboarded
Your brokers are onboarded and trained, at no fee, ready to offer it on suitable risks.
04
Policies written
Clients take your cover with the AI CCTV addition included.
05
Sites activated
For each client, cameras are connected, the software configured and the site team trained. We handle activation end to end.
06
Live data and dashboards
You, the broker and the client get live dashboards, alerts and risk data.
07
Ongoing prevention
Fewer incidents, richer underwriting data and healthier loss ratios over time, with our support throughout.
Model the numbers
Estimate the impact on your own book
Software starts from £15 per camera per month with no upfront fee, which for most sites is small next to the claims it helps avoid. Exact pricing is confirmed against the final requirements, as it depends on how the camera streams are processed and the use cases monitored. See the maths behind it, then use the interactive calculator on the same page to model how changes in loss ratio, market share and pricing could affect profitability. It is a planning tool, not a guarantee.
A focused 30 minutes, not a slide deck: live detections, the risk data your underwriters would receive, and what a pilot could look like on part of your book. No obligation.
