Sustema

Behavioral analytics platform that leverages corporate data to enhance commercial insurance underwriting

Underwriting & Risk Growth Seed

Overview

Sustema is a data analytics platform for commercial insurers that systematically incorporates behavioral and environmental, social, and governance (ESG) factors into underwriting processes. The platform analyzes publicly available corporate data from over 17,000 companies worldwide, enabling underwriters to improve risk selection and client engagement by integrating objective behavioral insights into their underwriting decisions.

The company delivers Sustema BASE, a SaaS platform that provides AI-powered entity matching, client positioning, risk selection analysis, capacity allocation guidance, and structured client engagement tools centered on behavioral profiles. The platform has demonstrated average underwriting performance improvements of 28% across portfolios tested with five commercial insurers.

Sustema was selected for the Plug and Play Silicon Valley Insurtech program in 2022 and closed its first client contract with a leading international commercial insurer in 2023. The company operates a highly scalable SaaS model targeting commercial insurers globally across multiple geographies including Switzerland, Germany, the United Kingdom, and the United States.

Products & Services

Sustema BASE

Sustema BASE is the core behavioral analytics platform that integrates ESG data into commercial underwriting processes. The platform enables insurers to leverage behavioral analytics across five key operational areas.

Key Features

Entity Matching: AI-powered data matching to legal registers for precise prospect identification
Client Positioning & Targeting: Tools to identify and position high-value clients based on behavioral profiles
Client Selection Analysis: Data-driven analysis to support risk selection decisions
Capacity Allocation Enhancement: Optimization guidance based on behavioral data insights
Client Engagement Tools: Structured engagement approaches centered on behavioral profiles and ESG data

Target Users: Commercial insurance underwriters and client management teams