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 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.


Data verification is the key to better risk assessment during underwriting

Risk assessment can improve the underwriting and pricing processes for European insurers. Having a clear picture of potential customers helps to prevent fraud and minimizes risks before customers enter an insurance portfolio.


Fighting insurance fraud effectively by aligning underwriting and claims

There are two major reasons to work on alignment between the departments Underwriting and Claims. It enhances the profitability of the insurances and also raises the fraud awareness of the entire company to a higher level.

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

FRISS Lab #3

The use of manipulated images in fraudulent claims

A number of insurance companies already has its own apps to file a new claim, with all information and even images of the actual damage attached to that. This is just one example in which digital information becomes available for the insurance process.

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

Insurers struggle with innovation

Innovation is not something that can be reached within a day. It requires serious efforts, a clear vision and, most of all, dedication. Replacing legacy systems is a head-aching operation, let alone the risk of losing valuable data on policies, claim history and customer contacts.

FRISS and Claims Corporation Network announce partnership

FRISS has established a partnership with Claims Corporation Network (CCN). CCN offers solutions in the management of national and international claims. The cooperation is aimed at offering CCN clients a state-of the-art IT solution.

Social media and digitization in the fight against insurance fraud

How convenient would it be for insurers if they could just add individuals on Facebook, Twitter, Instagram or any other social media platform in order to track & trace behavior? This would give insurers a powerful weapon in the fight against fraud.

The latest thinking and expert insights into the insurance industry.

Insurance and technology: a match made in customer heaven?

The insurance industry uses technology in new ways to improve the customer experience, making processes faster and more transparent. FRISS’ CTO Christian van Leeuwen explains how ‘insurtech’ has the potential to change the insurance business for the better.

Fighting insurance fraud effectively by aligning underwriting and claims

There are two major reasons to work on alignment between the departments Underwriting and Claims. It enhances the profitability of the insurances and also raises the fraud awareness of the entire company to a higher level.

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

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

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

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.
  • ABZ (part of Solera) is an IT-partner in the insurance industry for processes and delivers several industry-wide solutions. Within compliance screening, ABZ (together with Graydon) and FRISS take care of gaining insights in company structures and Ulltimate Beneficial Owners (UBO).
  • 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.
  • Intrum Justitia is the market leader when it comes to invoicing, payment processing, debt recovery and risk management in the order-to-cash chain. The solutions relate to both process execution and to finance solutions.
  • 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.

FRISS works with strategic and alliance partners around the world.
Join our growth and success!
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

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FRISS reserves the right not to be responsible for the topicality, correctness, completeness or quality of the information provided. Liability claims regarding damage caused by the use of any information provided, including any kind of information that is incomplete or incorrect, will therefore be rejected. All propositions as displayed on this site are not binding and without obligation. Parts of the pages or the complete publication including all propositions and information might be extended, changed or partly or completely deleted by FRISS® without separate announcement.

Referrals and links

FRISS is not responsible for any contents linked or referred to from the website pages – unless FRISS has full knowledge of illegal contents and would be able to prevent the visitors of its site from viewing those pages. If any damage occurs by the use of information presented there, only the author of the respective pages might be liable, not the one who has linked to these pages.


FRISS intended not to use any copyrighted material for the publication or, if not possible, to indicate the copyright of the respective object. The copyright for any material created by FRISS is reserved. Any duplication or use of objects such as diagrams, sounds or texts in other electronic or printed publications is not permitted without written agreement from FRISS.

Privacy policy

If the opportunity for the input of personal or business data (email addresses, name, addresses) is given, the input of these data takes place voluntarily. The use of published postal addresses, telephone or fax numbers and email addresses for marketing purposes is prohibited, offenders sending unwanted spam messages will be punished.

Legal validity of this disclaimer

This disclaimer is to be regarded as part of the internet publication which you were referred from. If sections or individual terms of this statement are not legal or correct, the content or validity of the other parts remain uninfluenced by this fact.

Properly and carefully

FRISS will process Personal Identifiable Information (PII) properly and carefully as well as in accordance with the law (i.e. the Dutch Privacy Act – Wbp). We will also observe other relevant legislation that contains special rules for PII processing. Examples are Section 7.5 of Book 7 of the Civil Code, but also the Social Security Organization Act 1997 and the Telecommunications Act.

Purpose limitation

FRISS will process PII of our (potential) customers to the extent necessary to achieve the following purposes of use, and will carefully manage such information:

From attracting visitors to closing customers, HubSpot will bring our entire marketing and sales funnel together. With HubSpot FRISS will generate leads to nurture, convert, close, and delight these leads over time. FRISS will use the necessary information/data to better understand (the behaviour of) our target audience in order to help them through the decision making process by involving them in marketing campaigns. Moreover, HubSpot will be used as a CRM system for sales.

FRISS collects the following business related PII:

  • Email
  • First name and last
  • Phone
  • Company name (no PII).
  • Company address (no PII).
  • LinkedIn / Twitter
  • Job title (no PII).
  • Role (no PII).
  • Department (no PII).
  • Salutation (no PII).

Processing base

FRISS acknowledges that each of our contacts (principal) has a right to request disclosure, correction, suspension of use, removal, etc., of PII, and, upon the request therefor, FRISS will promptly respond to such request to the extent reasonably required based on laws and regulations.

Safe no longer than required

FRISS will store personal information for as long as someone is in the nurturing process or remains a customer of FRISS. In case the nurturing process is stopped or the customer has terminated FRISS’s contract the data is removed within a number of months after that event.

Accurate, relevant and not excessive

FRISS only collect PII necessary to effectively involve someone in the nurturing process or in customer relationship management.

Correct and accurate

When obtaining PII, we will notify the subject of the purposes of use in advance via the privacy policy as published on our website, and will obtain PII by lawful and fair means. FRISS will keep PII accurate and up to date, and manage updates to this information safely.


FRISS is the sole owner of the information collected on this site. FRISS only has access to/collect information that you voluntarily provide via email or other direct contact. FRISS will not sell or rent this information to anyone.

FRISS will not share any information with any third party, other than as necessary to include the Subject in FRISS’s marketing campaigns. At HubSpot confidentiality of the data (NDA) is part of the contract.


FRISS takes precautions to protect your information. FRISS protects all PII submitted via online channels, such as the website, or offline. At HubSpot security of the data is part of the contract.

FRISS (Responsible) and Hubspot (processor) have the next documents in place to guarantee a proper processing of OII:

  • Non-Disclosure Agreement.
  • Contract.
  • Processor Agreement.
  • Data export outside EU/EEA Agreement.