Spot drifts before they cost you
Changing business activities, new sites, tacit renewals: your portfolio is constantly evolving, and the gap between it and the underwritten risk needs to be measured. The Portfolio Scan reviews your entire portfolio and provides you with a concise, verified and traceable list. Your underwriters make decisions before the policy expiry date.
- No solicitation of your distribution networks
- ISO 27001 · SOC 2
- Policy 4471-B — sawmill activity added, excluded by the Timber Guide
- Contract 8812-A — 3,200 m² of undeclared photovoltaic installations
- Contract 2093-C — secondary site never visited, capital ×2
Continuity in figures
€5 billion
in premiums under management
1.7 million
contracts analysed
700
underwriters using the platform
Exclusions identified in the existing portfolio, addressed before the renewal date
“For instance, we identified a nightclub that was insured as a restaurant and tradespeople who had under-reported their turnover.”
Philippe Cot
Director of Underwriting, Marketing & Communications — Groupama Centre-Atlantique
Monthly
portfolio review frequency
0
solicitation of networks
Your existing portfolio evolves faster than the review cycles
Most tools stop at the bind. However, the risk continues to evolve: the policyholder starts a side-business, acquires a site, or renews tacitly. A sample review covers a few dozen policies; reviewing the entire portfolio changes what you see. Year after year, that gap widens. It is called the Risk Debt, and that is precisely what Continuity can help you control.
15%
of your portfolio no longer matches your risk appetite.
0.5–1%
of policies contain a critical misclassification of business line or exposure.
€9 million
a single claim arising from a misclassified business line; these risks can account for up to 2 percentage points of the combined ratio.
Source: Continuity analyses, over 50 client portfolios, over €4 billion in premiums.
“With Continuity, we are strengthening our technical expertise whilst increasing our underwriting agility.”
Isabelle Sandré — Head of Professional Underwriting, MRP-MRI, AXA
Built with underwriters, for underwriters
A workload tailored to your team's capabilities
The workload is tailored to what the team can handle, not to what the system can produce.
Always backed up by evidence
Source, date, extract: everything needed to justify the decision to a broker or a committee.
No automated decisions
The model assesses and prioritises. It does not underwrite, cancel or set premiums.
Let's look at your portfolio together
A demo using a sample of your portfolio, and a list of what we see there. No obligation, no IT project required.
Four steps.
You make the final call
Data extraction from your management system and your guidelines. No data collection campaigns, no requests to your distribution networks. Your rules are modelled exactly as they are written.
Each policy is cross-referenced against the policyholder's current activity and your ongoing rules. Any change at the policyholder's end is reported immediately, without having to wait for the contract renewal. Secondary sites and imprecise addresses are identified in the process: your aggregate exposure becomes actionable for both pricing and reinsurance purposes.
You don't need a stream of alerts. The platform flags the policies that deserve your time, categorised by risk. Before a renewal campaign, the portfolio is segmented into three categories: to be renewed, to be reviewed by an underwriter, and to be renegotiated. For each, the relevant rule, the measured deviation, the source and the date are recorded.
We do not cancel anything; we do not set premiums. The Scan documents the discrepancy. Technical, commercial and decision-making remains the responsibility of your team. Every action is logged so that the technical and risk management departments have an auditable trail.
Data segregated by insurer. Never used to train a shared model.
Sawn timber added in 2024 — excluded by the Timber Guide v4. Source: business register, 03/2026.
3,200 m² of undeclared rooftop solar panels. Source: satellite imagery, 01/2026.
Secondary site acquired in 2023, never visited, capital ×2.
What our clients do with the list
54%
reclassification and premium adjustment upon renewal
31%
risk assessment or prevention plan, targeted where it matters (€1,000 to €2,000 per visit)
15%
removal from the portfolio, decided upon with full knowledge of the facts
Breakdown observed across our clients' remediation campaigns.