Detect risk, eliminate fraud, secure compliance

Software platform

FRISS® has 100% focus and dedication to fraud detection and risk mitigation for non-life insurance companies worldwide. FRISS® helps insurers to improve their combined ratio in order to achieve profitable portfolio growth and enhance the perception in the market as a trustworthy insurer. FRISS® believes in honest and fair insurance premiums, for everyone.

Ready-to-use business solution

FRISS® is live in 8 weeks and has a ROI within 12 months, due to the experience with 60+ implementations at insurers. Customer specific configuration is the main part. Rather than general purpose analytic software or homegrown systems that have to be built from scratch, FRISS® is largely prebuilt and therefore a ready-to-use business solution.


FRISS® Score


As a proven standard the FRISS® Score enables better decisions. It is the core of the solutions and indicates the risk for each quotation, policy or claim. FRISS® cares for its customer before, during and after implementation. The FRISS® Learning Cycle supports a journey of continuous improvement to stay ahead in dynamic times and to sustain for the future.

Latest thinking

The 5 most viewed articles, blogs and videos

How to build a profitable portfolio as a 100% online insurer?

Mars Samsom, Business Unit Manager at InShared, explains how InShared was founded in 2009 as a 100% online insurer and became one of the most successful insurers in the online market.


FRAUDtalks 2016

FRAUDtalks was invented by FRISS for everybody who works in the insurance industry and fights fraud. 150 Dutch and Belgium professionals gathered in the futuristic museum Beeld & Geluid in Hilversum.


Insurtech is the big next thing- Emerce states FRISS as disruptor

Instead of fearing insurtech entrants, use them for the better. In a redefined global economy, the need for insurances will not faint. However, if everything is offered on-demand, insurance products in their current shape do not suffice anymore. They have to be on-demand as well, like the insured products or services.

The latest insights on fraud, risk & compliance: 'fresh from the FRISS Lab'
FRISS Lab #6

How to build a profitable portfolio as a 100% online insurer?

Mars Samsom, Business Unit Manager at InShared, explains how InShared was founded in 2009 as a 100% online insurer and became one of the most successful insurers in the online market.

FRISS Lab #5

How can insurers work together to fight fraud by organized crime?

Fraudsters are always looking for the weak spot. We should therefore share information about fraud networks. Not only at a national level, but also cross-border.

FRISS Lab #4

How to minimize repair fraud and maximize the effect of claim experts?

Nowadays, many claim managers mention that repair fraud is a huge issue. This episode from FRISS Lab is answering to the questions that insurers are often struggling with.

The latest developments across the non-life insurance industry regarding fraud, risk and compliance.

Price and coverage decisive considerations when choosing insurance

For consumers it comes down to the price and coverage as the most important considerations when choosing an insurance policy. Furthermore, there is a lack of confidence. The large share of consumers have their doubts concerning insurers' good intentions.

Anti-money laundering guideline reinforced by European Parliament

The fight against money laundering is a priority on the political agenda. Recent terrorist attacks have made the European Parliament reinforce the fourth anti-money laundering guideline. The guideline includes strict measures concerning customer screening. This means that the Anti-Money Laundering Act (AML) will be adjusted.

Insurtech is the big next thing- Emerce states FRISS as disruptor

Instead of fearing insurtech entrants, use them for the better. In a redefined global economy, the need for insurances will not faint. However, if everything is offered on-demand, insurance products in their current shape do not suffice anymore. They have to be on-demand as well, like the insured products or services.

The latest thinking and expert insights into the insurance industry.

A dose of vitamin E for a healthy insurance portfolio

Nowadays, the underwriting process has become a far more distant affair: insurance brokers rarely visit a client’s home and many consumers prefer to handle their business through the internet. But if there is no personal contact with clients applying for a policy, how can one still make a good assessment of the risk that is taken on?

Insurance aggregators: the race to the bottom price only has losers

Insurers and aggregators are to some extent competitors and they always will be. However, both have an obvious mutual interest in maintaining a healthy insurance market. Christian van Leeuwen gives a rundown of the developments and, on the whole, sees win-win opportunities.

Hard data: much softer than we think

The insurance industry possesses huge amounts of data. Eva van Viegen, Data Scientist at FRISS, runs analyses to get a better insight into fraud, risks and the value of portfolios. How reliable is all this information and how can it be made (even) more reliable?

[ebook] – Insurance fraudsters uncovered

Fraudsters are always looking for the weak spot. This ebook provides insight on the following: What drives the fraudster? How to define the fraudster? And how to stay ahead of their game? Insurance Fraudsters Uncovered will show a glimpse of the world of the insurance fraudster.

[ebook] – Effective fraud fighting through cooperation between insurers

Fraudsters are creative in their approach and if they commit fraud at one insurer, they can easily move to another insurer without being alerted as a high risk. Stakeholders in the insurance industry should make sure that they join forces by sharing data in order to stay ahead of the fraud game.

[whitepaper] – Considerations when selecting an insurance fraud detection solution

When you, as an insurer, have decided to integrate a software solution for fraud detection it is important to at least take the following considerations and steps into account, in order to make the most suitable choice for your organization. These 12 guidelines will help you to conduct a thorough and proven selection process.

As a thought leader, FRISS is sharing its expert knowledge on various stages worldwide.

Belgian Insurance Conference

This year's main topic will be ''Sustainable Innovation''. FRISS hosts a workshop, together with its partner Bisnode, during the conference: 'Detecting high risks and fraud powered by data analytics'. The workshop provides deeper insights into the importance and usage of relevant data for fraud and risk detection purposes.


The European Insurance Fraud Summit

As a sponsor and partner, FRISS will be present in Amsterdam once again. The European Insurance Fraud Summit provides a platform to gain a pan-European perspective on the latest developments in detection and prevention from leading insurers.

Our work

All customer stories

Ready-to-use business solutions

Underwriting Risk Assessment

Improve your portfolio value by real-time automated detection and assessment of risks during the underwriting process. It is important to prevent fraud and risk by having a clear picture of potential customers before they enter your portfolio. The underwriting solution provides an intelligent and uniform risk estimation, which is also useful during the claims process.


Claims Fraud Detection

Reduce your loss ratio by increasing the chances of detecting fraud and limit false positives to a minimum. Use automated fraud detection during the claims process to make an accurate and objective estimation of the risks related to a claim. It improves straight through processing (STP), and claims that need further attention will be recognized directly.


Compliance Screening

Compliance concerns all insurance processes. Gain insight into Ultimate Beneficial Owners (UBOs) and become compliant with the latest legislation and regulations. Knowing and screening your customers will prevent image loss and avoids high penalties. This will enhance the quality of your underwriting process. Furthermore, administrative burdens will be reduced to a minimum.


SIU Fraud Investigation

Improve investigators’ possibilities to manage workloads, register all findings, recognize and connect the dots between files, take adequate measures and to report in a structural manner. Moreover, enhance the flexibility of customized case registration, by line of business and even on investigator level.


Get to know us

FRISS is a fast growing company with an ambition that is driven by passion, focus and dedication. At FRISS, we feel comfortable in being different by having confidence in our knowledge and expertise. That is what distinguishes us in serving our customers. We continuously invest in technology, processes and people. This helps us to further develop, sustain and innovate our business.

Our team

We want our employees to feel valuable and acknowledged for everyone’s own unique contribution to our success. Creativity should not only be a way of thinking, but just as much a way of acting, communicating and decision making.

Our workplace

Being open to new thinking or solutions and daring to discover unbeaten tracks. At FRISS, we encourage exceeding limits since it helps us to exceed our company limits.


We are headquartered at Creative Valley, a carbon-neutral office building that is constructed with sustainable materials. The building is able to store both warmth and cold and it is powered by renewable energy. Working from our office helps us to significantly reduce the footprint that daily business imposes on the global environment.

Why we do what we do

At FRISS, we believe in honest and affordable insurance for everyone. Our question for insurance companies: why do your sincere customers have to bear for the risk brought in by others? In the end it is the society that suffers from fraud. Our mission is to strive for a trustworthy insurance industry, healthy insurance portfolios and fair insurance premiums for everybody across the globe.

Jeroen Morrenhof

CEO and Co-Founder

The title entrepreneur defines who I am. My energy is derived from new initiatives and I do not avoid taking risks. I come from a long line of entrepreneurs who have taught me how to think out-of-the-box, to set high goals for myself and to work to realize them. I am constantly searching for new, innovative challenges. My ambition for FRISS is to help all insurers globally in preventing and fighting fraud and become the number one player for fraud, risk and compliance.

Christian van Leeuwen

CTO and Co-Founder

"Innovation is key to the continuing success of any organization”. Within the organisation I am regarded as the thought leader in the field of fraud, risk and compliance. Currently my main responsibility is the Product Strategy. I am therefore leading the Solutions & Innovation Team in adding new solutions and technology on fraud detection techniques and predictive analytics to the product in order to remain successful.

Roos Tji


Wherever I go there is movement or things start to move, in my personal as well as my professional life. My ongoing challenge is to always strive for improvement, by stimulating others and changing the way we work as an organization. This is what motivates and energizes me. I believe in the talents of people and I am thoroughly convinced that these are key to be successful as a company. I am really proud when people discover their talents. The combination of interest, belief and progression defines the person I am and the way I work. Our growth, our people, our product and our ambition: it makes me very proud to to contribute to the success of this company.

Marc Mulder

Director Sales & Marketing

An energetic and experienced commercial manager, that is always looking for the optimum for all parties, is what I am. I value to be a trustworthy, goal oriented and fun person to work with. Some characteristics I would like to think I have: Serious about what I do, authentic, realistic, goal oriented, loyal, team builder, positive, sense of humor, determined, listener (try to understand) and communicate with the desired effect in mind. It is not that often you come across a company like FRISS and to get the chance to contribute to its success.

Our partners

We offer our partners the benefits from our platform accompanied by extensive knowledge, expertise and experience within our business area.

  • Gen Re is a direct reinsurer and is represented in all major reinsurance markets worldwide. For Gen Re, FRISS offers innovative software, a deep understanding of insurance and claims handling and a business model that is built on long-term cooperation. Together, we can offer our clients the best of both worlds: innovation, technology, knowledge and experience.
  • Iovation protects online businesses and their customers against fraud and abuse. Iovation and FRISS provide insurers a comprehensive platform to detect online fraud and mitigate risk. At quotation—before losses occur—and throughout the insurance life cycle.
  • ACTINEO offers active and objective support for all stake holder concerning fast and adequate regulation of personal injury. With regard to fraud detection when managing personal injury, ACTINEO and FRISS started a strategic partnership.
  • Focum is one of the market leaders in the field of data and risk management. By combining the knowledge and experience of FRISS with data from Focum we are able to achieve an even higher level of fraud detection and a reduction in your non-payment risks.
  • Cognizant and FRISS are collaborating to give the highest quality in support to their customers. Cognizant (NASDAQ: CTSH) is a leading provider of information technology, consulting, and business process outsourcing services, dedicated to helping the world’s leading companies build stronger businesses.
  • Bisnode and FRISS work together regarding socio-demographic data and insights concerning natural persons (e.g. wealth, education levels, unemployment, relocation). Bisnode has a great advantage since it operates internationally which means it can easily extract data for FRISS customers worldwide.
  • The Guidewire Insurance Platform provides three elements that work together to support the complete insurance lifecycle: core processing, data and analytics, and digital engagement. As part of the Guidewire PartnerConnect™ Solution network, FRISS integrates with Guidewire’s policy and claims systems to detect real-time risk and fraud in all insurance processes.

FRISS works with strategic and alliance partners around the world.
Join our quest for honest insurance!
Become a partner

Global presence

Serving our customers around the globe. FRISS is the leading expert in the field of fraud, risk & compliance for the insurance industry. We have a unique global footprint with 50+ implementations in over 10 countries.

Industry analysts have recognized FRISS as the market leader concerning fraud and risk solutions for non-life insurance companies. Our aim is to expand this leadership by sustaining our focus and dedication in this field.




Orteliuslaan 15
3528 BA Utrecht
The Netherlands

info@friss.eu +31 30 767 0352


Industry Recognition

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Cookie and Privacy Policy

1.    Introduction

When you use the FRISS website and its content, FRISS may collect information about your use of this website and its content. It is important to FRISS to treat your personal information with the utmost care and confidentiality. FRISS fully complies with the Personal Data Protection Act and Article 11.7a of the Telecommunication Act.

1.1.  Content

FRISS reserves the right not to be responsible for the selection of topics, accuracy, completeness or quality of the information provided. Liability claims related to damage caused by the use of the information provided, including information that is incomplete or inaccurate, will therefore be rejected. Any representations as shown on this website are non-binding and without any obligation. Portions of the pages or the complete publication, including any representations and information, may be supplemented, changed or removed partially or entirely by FRISS, without any specific announcement about this.

1.2.  Referrals and links

FRISS is not responsible for content to which there is a link or a reference from the pages of the website – unless FRISS is fully aware of illegal content and would be able to prevent visitors from viewing these pages from its website. In the event of damage resulting from the use of the information shown there, the author of the respective pages would be exclusively liable; not those who provided a link to these pages.

1.3.  Copyright

It is FRISS’ intention not to use copyrighted material for publication. If this is not possible, the copyright of the respective object will be mentioned. The copyright for the material that is produced by FRISS is reserved. Duplication or use of objects, such as diagrams, images, sounds or texts in other electronic or printed publications is not permitted without written approval from FRISS.

1.4.  Privacy policy

If the opportunity is offered to enter personal or business data (email addresses, name, addresses, etc.), entering this data will be done on a voluntary basis. The use of postal addresses, phone or fax numbers and email addresses by FRISS for marketing purposes is prohibited.

1.5.  Legal validity of this Cookie and Privacy Policy

This Cookie and Privacy policy must be seen as a component of the internet publication you were referred from. If portions or individual terms and conditions of this policy are not legal or accurate, the content or validity of other portions will not be affected.

2.    Processed personal data and responsibility

When you download content, register for a newsletter, use our digital services, contact FRISS, or use FRISS’ services in any other way, the (personal) data provided by you will be saved and processed under the responsibility of FRISS.

In addition to the personal data you provide to FRISS, FRISS may collect, save and process additional personal data regarding your use of FRISS’ services. This applies to the following personal data:

  • data regarding devices used, such as a unique device-ID, version of the operating system and settings of the device you used to gain access to a service;
  • data regarding the use of a service, such as the time you used it and the type of service used;
  • location data from your device or derived from  your IP address, which is provided to us when you use a particular service;
  • data available in external sources. For example, we may receive information from publicly or commercially available sources; for example from a social media website.

The entity responsible for the data processing is FRISS Fraudebestrijding B.V.,Orteliuslaan 15, 3528 BA, Utrecht. The data processing is reported to the Personal Data Protection Authority in The Hague.

2.1.  Purposes of data processing

FRISS processes your personal data for the following purposes:

  • to set up and implement the agreement, for example, to deliver the products, services or information selected by you;
  • to keep you informed of FRISS’ products and services, if you wish this;
  • to send you a newsletter, user information, service message or other messages (electronically or otherwise);
  • to send you content requested by means of a download form;
  • to enable sharing content via social websites (offered by third parties);
  • improvement of products and services. Based on information about your interests and about your use of our products and services, we try to align our products and services more with your use or interests;
  • to comply with the law and regulations applicable to FRISS.

2.2.  Data transmission to third parties

Your data will not be disclosed to parties that are not part of FRISS without your permission, except in the following case. It may happen that FRISS is forced to disclose certain data based on law and regulations, for example, to the police, in the context of investigation proceedings. In these cases, FRISS will only disclose data if it is clearly a matter of a legal obligation to disclose.

2.3.  Phone calls

Phone calls with FRISS will never be recorded. No rights can therefore be derived from a phone call.

2.4.  Security data

FRISS respects the privacy of every party involved and ensures that the personal data is treated with confidentiality and the utmost care. All personal data is securely stored in FRISS’ administration. These databases are accessible exclusively to FRISS employees, to the extent that this is required by reason of their duties. FRISS will make all reasonable effort to protect its systems from loss and/or any form of illegal use or processing, using appropriate technical and organisational measures, taking into account the state of technology and other factors.

FRISS is not, however, liable for illegally obtained access to computers or files, or any other consequences of providing data to FRISS.

2.5.  Access and correction of data and right to object

You may access your data that has been processed by FRISS at any time and free of charge and change it if you wish to do so. You may also object to receiving targeted information regarding FRISS’ products, services, or content. If you wish to use one of these options, you may send an email to: marketing@friss.eu, or send a letter to:

Attention: Marketing
Orteliuslaan 15
3528 BA Utrecht.

3.    Cookies

When using FRISS’ services, FRISS may collect information about your use of our services and other websites, for example, by means of cookies.

A cookie is a small file that is sent along with pages of a website and is stored on the hard drive of your computer by your browser. See here, for a more detailed explanation about all possible cookies that may be installed when you visit one of our websites.

3.1.  FRISS’ purposes for using cookies

A cookie enables your browser to subsequently be recognised during repeated visits to a website. FRISS, for example, uses cookies for:

  1. statistical purposes: to analyse the use of the FRISS websites. For example: tracking how many visitors visit a particular web page, so that FRISS will know which (parts of) its websites are popular.
  2. (if you have given permission for this) “targeting” purposes: to develop a profile of you based on your surfing behaviour. This applies to Google Analytics cookies and HubSpot cookies.

3.2.  Removing and refusing cookies

Via the browser settings on your computer you can remove cookies that have already been installed and you can refuse installation of new cookies. How to do this is different for each browser; if necessary, consult the help function of your browser. In addition, you can also refuse most cookies that are installed with the use of the FRISS website, both collectively and individually at: http://www.youronlinechoices.com/uk/your-ad-choices. Here you can also see which of the cookies mentioned are active on your browser.

Please note: if you remove and/or refuse cookies you will not be able to use all of a website’s options. In addition, refusing and/or removing cookies only affects the computer and the browser you are using for this action. If you use several computers and/or browsers you will have to repeat the aforementioned action(s) as often as needed.

4.    Changes to this Cookie and Privacy policy

FRISS reserves the right to make changes to this Cookie and Privacy policy. Every change will be published on this page. We advise you to regularly check this Cookie and Privacy policy, so that you are always informed about the content of the valid Cookie and Privacy policy.