When Megan Duckworth and Danial Cummins wrote the business case for Mitti Insurance in September 2019, they could not have predicted that a global pandemic was about to usher in the remote risk assessment technologies they had envisioned.

Their idea for a tool that could carry out client inspections for small and medium businesses via a video link was borne out of business necessity, she explains, rather than the global health crisis.

“We didn’t have the resources or capacity to send a dedicated person offsite for days on end to visit clients in remote locations. We needed a solution that was scalable and wouldn’t cost the earth, but would nonetheless be highly valued.”

Getting inside a business

Rather than calculating risk through a limited traditional lens of “occupation, protection and construction types”, Mitti Insurance goes deep to identify an organisation’s risks. Its virtual surveys with clients enable brokers and underwriters to get a close-up view of business operations.

Importantly, Mitti technology directs a client to check on items such as fire extinguishers to ensure they are compliant and up to date with servicing via a video call on the client’s phone. A report is then created with recommendations for making the business safer. An integrated app helps clients manage the risk.

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