UK InsurTech · Underwriting Intelligence
Turn Operational Security Data Into Underwriting Intelligence.
RiskPulse is being developed to transform consented operational security telemetry into continuously updated, explainable risk intelligence for UK commercial crime and property underwriting.
RiskPulse connects real-world security activity with commercial insurance decision-making. The platform is designed to collect, normalise and analyse operational security data to produce premises-level risk signals, confidence measures and evidence that can support more informed underwriting.
Conceptual data flow
illustrativeStage 1
Security Events
Stage 2
Data Ingestion
Stage 3
Risk Intelligence
Stage 4
Underwriting
Incident Signals
Event stream
Risk Trend
Direction of travel
Confidence
Coverage-weighted
Underwriting Intelligence
Explainable output
Designed for the UK commercial insurance ecosystem
01 / About
Connecting Security Operations With Insurance Intelligence
RiskPulse is being developed as a multi-sided InsurTech platform that transforms operational security telemetry into actionable underwriting intelligence. Instead of relying only on static or historical indicators, RiskPulse is designed to provide a more current view of premises-level security performance.
The underwriting side
Largely static inputs
Commercial insurance underwriting often relies on relatively static information such as postcode crime statistics, historical claims and proposal forms. These inputs say little about how a specific premises is performing operationally today.
The security operations side
Operational data generated daily
Security providers generate operational information every day, which can contain valuable signals about changing operational risk.
RiskPulse is designed to connect these two worlds
Insurers
Receive continuously updated underwriting intelligence designed to support risk selection, pricing and portfolio decisions.
MGAs
Gain underwriting intelligence, API access and portfolio reporting capabilities.
Brokers
Can use evidence-based risk information to support insurance placement, client discussions and renewals.
Security Providers
Contribute verified operational telemetry and gain access to analytics and a revenue-sharing opportunity.
SMEs
Can benefit from clearer, evidence-based representation of their security performance.
Founder
Built From Both Data Science and Security Operations
Satwant Singh Kala
Founder, RiskPulse Ltd.
Education
- BSc Information Technology — Punjab Technical University, 2011
- Master of Library and Information Science — NIMS University, Jaipur, 2015
- MBA — University of West London, 2024
The business plan is grounded in the founder’s combination of data-science expertise and direct operational experience in private security.
Professional background
- 5 years and 8 months as a Senior Data Scientist at GlobalLogic / Hitachi Group
- SAS programming, SQL, statistical analysis, data validation, data governance, data modelling, business intelligence and data engineering
- Subsequently moved into UK private-security operations and currently works in mobile patrol/security operations with keyholding responsibilities in London
“This combination of data science and frontline security operations provides the foundation for RiskPulse: understanding both how operational security data is generated and how it can be structured, validated and analysed for underwriting intelligence.”
02 / Platform
An Intelligence Layer Between Security Operations and Insurance
RiskPulse is designed as a modular SaaS platform that collects operational security telemetry, converts it into standardised signals, applies statistical and AI-driven analysis, and delivers explainable underwriting intelligence through dashboards, reports and secure APIs.
Data Collection Layer
Securely collect operational telemetry from guarding, keyholding, mobile patrol, CCTV, alarm monitoring, access-control and related security systems.
Central Risk Brain
Analyse aggregated security activity to generate premises-level risk intelligence, including risk level, risk trajectory and confidence.
Early-Warning Engine
Identify behavioural and operational patterns that may indicate increasing risk before an insured loss occurs.
Examples of intended analytical signals, not proven live detections.
Learn-from-Outcomes Loop
Compare operational security signals with verified claims and other outcomes so the statistical and machine-learning models can be recalibrated and improved over time.
Evidence Builder
Turn complex analytical results into understandable, evidence-based underwriting summaries and reports.
Explainability is a core design principle.
Trust & Fairness Layer
Support secure and responsible use of sensitive operational data through consent management, provenance, audit trails, anonymisation, pseudonymisation and role-based permissions.
One Platform. Multiple Stakeholders.
Security Provider Portal
For guarding, keyholding, mobile patrol and related contributors.
Broker & Underwriter Dashboard
For accessing premises-level intelligence, evidence and underwriting insights.
SME Evidence Portal
Designed to provide understandable evidence around premises security performance.
API & Integration Layer
Designed to connect RiskPulse intelligence with insurer, broker, MGA and security technology workflows. The planned architecture uses secure REST APIs and webhooks.
Planned architecture
Conceptual data pipeline
Planned technology direction
Technology stack described in the business plan
- Frontend
- React or Blazor (.NET)
- Backend architecture
- ASP.NET Core
- Data
- Microsoft SQL Server / Azure SQL
- AI
- Python, TensorFlow and machine-learning/statistical libraries
- Integration
- REST APIs and webhooks
- Security
- Azure Active Directory or equivalent identity management, encryption, RBAC, anonymisation, pseudonymisation and GDPR controls
- Analytics
- Microsoft Power BI and advanced reporting tools
Presented conceptually. The architecture is planned and not yet implemented.
03 / How It Works
How RiskPulse Turns Security Activity Into Underwriting Intelligence
- STEP 01
Security Activity Happens
A security provider records an operational event through its normal operational system.
Example: a mobile patrol officer identifies an unsecured shutter during a site check.
- STEP 02
Consent & Permissions
RiskPulse uses a consent-driven model requiring three permissions: premises operator authority; a contributor agreement between the security provider and RiskPulse; and permission to release the specific risk assessment to a named insurer, broker or MGA.
No premises-level output is released without the required permissions.
- STEP 03
Secure Data Ingestion
Operational telemetry is securely transmitted to RiskPulse.
- STEP 04
Normalisation
Different security providers may record similar events in different formats. RiskPulse is designed to convert these records into a common taxonomy with standard event classes, severity bands and required fields.
- STEP 05
Aggregation
Events are aggregated across the relevant observation window and contributors covering the premises.
- STEP 06
Signal Extraction
The analytical system examines frequency, severity, trends, response times, behavioural patterns and changes in operational risk.
RiskPulse is designed to assess direction of travel, not simply a static snapshot.
- STEP 07
Confidence Measurement
Confidence is influenced by data coverage, completeness, observation window, data recency and contributor coverage.
- STEP 08
Risk Intelligence
Produce a premises-level risk signal, risk trajectory, confidence measure and supporting evidence.
- STEP 09
Underwriting Evidence
The Evidence Builder creates understandable reports and evidence packs.
- STEP 10
Outcome Feedback
Where verified claims and other outcomes become available, those outcomes can feed back into the learning process.
End-to-end flow
Worked example
From One Security Event to an Underwriting Signal
Illustrative example using synthetic data
Raw event
22:40 — site check — rear shutter found unsecured — secured on site — no entry evident.
↓
Normalised event
Perimeter Integrity Failure
- Severity
- 2 of 4
- Detected by
- Patrol Visit
- Resolved
- Yes
- Entry achieved
- No
Aggregation
14 events
over 90 days from 2 contributors
Example analytical signals
- Perimeter failures rising
- Response time increasing
- Unconfirmed alarm ratio
Output
Confidence
Medium-High
Underwriting intelligence released subject to applicable consent permissions.
All figures shown in this example are synthetic and illustrative only.
04 / Market Pricing
Market Pricing
RiskPulse follows a value-based B2B pricing strategy, with pricing aligned to the underwriting value, coverage and analytical capability delivered.
The Underwriting Gap
UK commercial crime and property underwriting still relies heavily on periodic declarations, static questionnaires and historical loss records. Real operational security behaviour between renewals is largely invisible.
An Untapped Data Layer
Manned guarding, mobile patrols, keyholding, alarm response and remote monitoring generate continuous operational records every night. That activity is recorded for operational purposes, not underwriting purposes.
The RiskPulse Position
RiskPulse is designed to sit between the security sector and the insurance market — normalising consented operational telemetry into explainable, premises-level risk intelligence.
Intended market segments
Broker
Up to 25 premises
£1,500 one-time implementation fee
- •Premises-level underwriting intelligence
- •Risk information for placement and renewal
- •Evidence capabilities
- •Designed for broker workflows
MGA
Up to 150 premises
£5,000 one-time implementation fee
- •API access
- •Portfolio reporting
- •Underwriting intelligence
Insurer Enterprise
Unlimited premises
£5,000 one-time implementation fee
- •Full enterprise licence
- •Full portfolio analytics
- •API / integration capability
- •Underwriting intelligence
Security Provider
Designed for Security providers
Basic contributor dashboard
- •Contributor dashboard
- •Participation in the RiskPulse ecosystem
- •Opportunity to receive revenue share for qualifying data contribution
15% of licence revenue allocated according to data quality, consistency, completeness and contribution reliability. This is not a fee charged to the security provider — it is a revenue-sharing mechanism intended to reward qualifying contributors.
Premium Analytics
Designed for Security providers
£1,800 / year
- •Advanced operational analytics
- •Client performance monitoring
- •Service-value evidence
- •Benchmarking
- •Risk trends
- •Incident insights
- •Response-time analysis
- •Evidence reports
Pricing shown is based on the business plan’s base pricing structure. Demand-side licences are contracted annually and prices are exclusive of VAT.
Pricing rationale
Why Value-Based Pricing?
RiskPulse is not positioned as a low-cost generic SaaS tool. It is designed as a premium B2B underwriting intelligence platform because its value is tied to underwriting outcomes rather than seat count. The UK insurance market already invests in analytics, data enrichment and underwriting technology, and RiskPulse is intended to sit within that category.
Revenue model
A Multi-Sided Data & Intelligence Ecosystem
- 1
Security Providers
Verified operational telemetry
- 2
RiskPulse
Underwriting intelligence
- 3
Insurers / MGAs / Brokers
Better underwriting decisions
- 4
Claims / Outcomes
Model improvement
- 5
More Valuable Intelligence
Greater contributor and customer value
Contributor revenue share
15% of licence revenue allocated based on contribution quality and reliability.
Three-year roadmap
From MVP to National Scale
Year 1
Founder-Led Pilot & MVP Validation
- Build MVP
- Establish consent management
- Establish data governance
- Onboard initial guarding, keyholding and mobile patrol firms
- Pilot with an insurance broker or MGA
- Validate operational risk-scoring logic
Year 2
Contributor Expansion & Product Refinement
- Expand contributor network
- Standardise onboarding
- Implement claims-linked validation
- Improve AI model accuracy
- Launch security-provider operational analytics
Year 3
Insurer Integration & National Scale
- Integrate APIs into insurer, broker and MGA workflows
- Expand data licensing
- Introduce portfolio analytics
- Introduce benchmarking
- Scale UK partnerships
Roadmap items are planned milestones, not guaranteed achievements, and are subject to change.
05 / FAQ
Frequently Asked Questions
Answers describing the intended design and current development status of RiskPulse.
Early engagement
Build the Next Layer of Underwriting Intelligence
RiskPulse is being developed to connect operational security data with more informed, explainable commercial insurance decisions.