Impact
Prevented Loss Value
The north-star metric: estimated financial losses SafeGuard interventions helped avoid, plus how that shows up against claims history and modeled premium.
Prevented loss value
€3.09M
Trailing 12 months
Claims avoided
16
Confirmed near-misses
Prediction precision
27%
Of preventable claims flagged in advance
Avg lead time
32.9h
Precursor to incident
Claims vs. prior years
Rolling trailing-12-month policy periods, so a partial current year is never compared unfairly against a full prior one.
Claims filed, this period
52↓ 16% vs prior period
was 62 in the prior period
Claims cost, this period
€11.6M↓ 31% vs prior period
was €16.8M in the prior period
Modeled premium vs. last year
A transparent, formula-driven estimate — not your insurer’s actual pricing. Every factor below is shown so the number is auditable, not a black box.
This period
€16.1M
↓ €5.48M (25.4%)
vs. €21.6M prior period
Prior period (pre-SafeGuard baseline)
Base rate-card premium €11.3M
Claims experience×1.90
Loss ratio 200% vs. 55% benchmark — surcharge applied
Live risk monitoring×1.00
No live risk data existed for this period
Prevention evidence×1.00
No documented prevention evidence for this period
= €21.6M
This period (with SafeGuard)
Base rate-card premium €11.3M
Claims experience×1.61
Loss ratio 143% vs. 55% benchmark — surcharge applied
Live risk monitoring×1.00
Portfolio Risk Index 37.4 at time of rating
Prevention evidence×0.88
€3093k in SafeGuard-documented avoided losses
= €16.1M
Avoided loss value, trailing 12 months
Predicted vs. prevented incidents
Loss ratio evolution
Illustrative — modeled as prevention activity increases across the trailing year.
For your broker or underwriter
SafeGuard doesn’t promise a premium reduction — that’s the insurer’s call. What it produces is evidence: a documented, auditable trail of predicted risk, interventions taken, and losses avoided, suitable for a broker or underwriter reviewing this portfolio at renewal.