Predict. Detect. Respond.

AI powered fraud detection

FRISS has a 100% focus on automated fraud and risk detection for P&C insurance companies worldwide. The AI powered risk and fraud detection solutions for underwriting, claims and SIU help you to grow your business. FRISS detects fraud, mitigates risks and supports your digital transformation. You can lower your loss ratio, enable profitable portfolio growth and improve your customer experience.

Ready-to-use business solutions

Insurance companies go live within 6 months, with fixed price projects, and realize an ROI within 12 months. The ready-to-use business solutions combine analytics, AI and machine learning techniques with expert knowledge from 150+ implementations at insurers around the world. FRISS turns data into actionable insights and seamlessly integrates with your core insurance processes.


White box FRISS Score


The real time FRISS Score is the core of our solutions and indicates the risk for each policy or claim. The AI powered score combines expert business knowledge out of 10+ years of insurance experience, your specific business configuration, proprietary data and external data sources. It provides you a white box, holistic view on fraud and risks, which delivers you actionable insights so you stay in control.

Latest thinking

The 5 most viewed articles, blogs and videos

Webinar | The Next Stage of Digital Fraud Analytics: Balancing Risk and Customer Experience

Karlyn Carnahan (Celent) presents how insurers can assure that an overly aggressive fraud process doesn’t end up badly affecting the customer experience for the good guys.


FRISS Announced as new Solution Partner for Guidewire Software

The Ready for Guidewire accelerator streamlines fraud and risk management processes, improves customer experience, and reduces costs for insurers.


Strong Market Demand for Fraud Analytics in North America Drives FRISS to Expand Operations

FRISS Appoints High-Profile Executives to Lead the Expansion in North America.

The latest insights on fraud, risk & compliance: 'fresh from the FRISS Lab'
FRISS Lab #14

The 3 Biggest Insurtech Trends

For this episode of FRISS Lab we interviewed Diego Figueroa, CTO at Osigu. He explains us what he sees as the 3 biggest Insurtech trends: Blockchain, AI & On Demand insurance.

FRISS Lab #13

Digital Insurance #2: The Insurtech Landscape in Latin-America

''Everyone is talking about insurtech, but nobody is really doing it''. Welcome to this episode of FRISS Lab On Tour. We have a special item for you, because we flew to Latin America to see how insurers deal with fraud and industry trends over there. Check out part 2 now!

FRISS Lab #12

Digital Insurance #1: How to Improve Claims Efficiency

''It was taking us 45 minutes to attend a claim before, manually. And now, with a tablet, it only takes us 15 minutes to do it''. Welcome to this episode of FRISS Lab On Tour. We have a special item for you, because we flew to Latin America to see how insurers deal with fraud and industry trends over there. Check out part 1 now!

The latest developments across the P&C insurance industry regarding fraud, risk and compliance.

Fraud Prevention: The Insurtech Insider Podcast ft. George Herber

In this 11FS podcast insurtech experts give you the very latest in fraud prevention in insurance.

Krzysztof Jablonski appointed as FRISS Sales Manager for the CEE Region

"I am keen to use my vast industry knowledge in order to support honest insurance in the CEE region", said Jablonski on his appointment.

Strong Market Demand for Fraud Analytics in North America Drives FRISS to Expand Operations

FRISS Appoints High-Profile Executives to Lead the Expansion in North America.

The latest thinking and expert insights into the insurance industry.

Identity Blockchain: The Solution To The Weakest Link In Our System

Blockchain is much more effective than centralized solutions which are an open invitation to hackers, with all additional costs.

Leveraging Artificial Intelligence (AI) for Automatic Image Analysis

Artificial Intelligence (AI) is required to process large amounts of information and convert it into applicable knowledge and insights.

Embedding Fraud and Risk Awareness Successfully in the DNA of the Company

Thanks to their modern data system and collaborative culture, INTERAMERICAN achieves a balanced insurance portfolio and good insights in risks they carry.

[Whitepaper] – Fraud Detection: The Build versus Buy debate

This whitepaper considers a dilemma which many businesses have. It is about the question whether it is better to develop the technology yourself or to obtain it elsewhere.

[ebook] – Real-life Fraud Stories Bundled (vol. 1)

In this ebook you will read several (anonimized) real-life fraud cases. What can insurers learn from these cases?

[ebook] – Comparing Insurance Distribution Channels

Distribution channels in the insurance business sector are changing rapidly. If you would like to know more about what this means to risk analysis and fraud detection, this e-book is for you.

FRISS is sharing expertise and knowledge on various stages worldwide.

9th IASIU Europe Insurance Fraud Seminar & Expo 2018

Vienna, Austria. The Europe Insurance Fraud Seminar & Expo brings fraud investigators together from over Europe, to discuss the latest developments in the field of insurance fraud management.


Webinar | The Next Stage of Digital Fraud Analytics: Balancing Risk and Customer Experience

Karlyn Carnahan (Celent) presents how insurers can assure that an overly aggressive fraud process doesn’t end up badly affecting the customer experience for the good guys.


Insurance Nexus| Insurance AI and Analytics USA

To achieve growth, carriers must hardwire insights into the core business functions including pricing, marketing, claims and underwriting.

This is why the Insurance AI & Analytics USA Summit is bringing together over 350 analytics executives with business leaders – to truly deliver impact.

Customer Stories

All customer stories

Ready-to-use business solutions

Underwriting Risk Assessment

Based on AI and machine learning techniques, the underwriting solution leads to a real-time intelligent and objective risk evaluation. In order to grow a healthy portfolio, it is important to prevent insurance fraud and high risk by having a clear picture of potential customers before they enter your portfolio. Prevent bad risks by combining AI and analytics, enable STP and deliver seamless customer onboarding.


Claims Fraud Detection

Use AI powered fraud detection during the claims process to make an accurate estimation of the risks related to a claim. Automatically detect insurance fraud before claims are paid. Reduce your loss ratio by increasing the chances of fraud detection at claims and limit false positives to a minimum. The solution uses an intelligent detection engine which raises automatic red flags, enables fast track claims and enhances customer satisfaction.


SIU Investigations

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. Finally, improve your fraud management.


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


    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.

    Ralf van der Eerden


    I'm an enthusiastic, energetic go-getter. Someone who knows where he wants to be, how to get there and how to make that journey.

    The way I manage my team is by giving them self control as much as possible. The drive to deliver great results should come from them, and it is my task to support the team in the best possible way. Having fun in what we do is an important factor for a teams' success. Challenging, giving responsibilities and supporting the team for 100% is how I guide my team.

    At FRISS I'm challenged on a daily basis to get the maximum out of me and my passion. It is an ideal working environment for people like me.

    Cornelia Dolle


    My motto is: “you can learn from everyone” and at FRISS I get inspiration every day.

    The CFO’s role is to control the organization, but not to limit creativity. System and processes need to be flexible and user-friendly. The only constant factor is change.

    I enjoy working together to pursue joint success.

    Our partners

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

    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 130+ implementations in over 25 countries.

    Industry analysts have recognized FRISS as the market leader concerning fraud and risk solutions for P&C 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.com +31 30 767 0352


    Industry Recognition

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    Contact us

    Cookie and Privacy Policy

    1. Introduction

    When you use this website, FRISS may collect information about your use of the website and the content offered. We believe it is important to handle your (personal) data with due care and confidentiality. When processing your personal data, we comply with the General Data Protection Regulation (Algemene Verordening Gegevensbescherming) and Article 11.7a of the Telecommunications Act (Telecommunicatiewet).

    1.1.  Controller

    The controller of the processing of personal data is:

    FRISS Fraudebestrijding B.V.
    Orteliuslaan 15
    3528 BA

    This processing of personal data is registered with the Dutch Data Protection Authority (Autoriteit Persoonsgegevens) in The Hague under reporting number m00004997.

    1.2.  Purposes of data processing

    There are several places on our website where you can fill in your (personal) data. We will explain the purposes of the various instances of data processing below.

    Filling in the contact form or sending an e-mail

    If you fill in the contact form on our website or send us an e-mail, we will only use the (personal) data you provide for the purpose or purposes for which you filled in the contact form or sent the e-mail.

    Download form

    If you download files on our website (such as e-books, whitepapers or reports), we will use the (personal) data you provide for one or more of the following purposes:

    • for the execution of an agreement, for example to send you the e-book, whitepaper or report you have chosen;
    • for the formation of an agreement, for example by contacting you by telephone or in writing.


    If you fill in the application form for the newsletter on our website, your (personal) data will be used to send you the newsletter. Each newsletter contains a hyperlink at the bottom of the message that you can use to unsubscribe.

    In addition to the personal data you provide to FRISS yourself, FRISS may collect, record and process additional (personal) data if you use the (web) services of FRISS. This concerns the following personal data:

    • data from the used equipment, such as a unique device ID, version of the operating system and settings of the device you use to access a service;
    • information about the use of a service, such as the time at which you use the service and the type of service that is used;
    • location details from your device or derived from your IP address that is provided to us when you use a particular service;
    • data available from external sources. We may receive information about you from public or commercially available sources.

    1.3.  Provision of (personal) data to third parties

    Your (personal) data will never be provided to third parties without your permission, unless we have an obligation to do so pursuant to legislation or regulations or you have given permission for this.

    1.4.  Security of data

    FRISS respects your privacy and ensures that personal data are handled confidentially and with the utmost care. All processed (personal) data is stored exclusively in secure databases. These databases are only accessible to employees of FRISS, to the extent that this access is required by virtue of their position. FRISS makes every effort to secure these systems against loss and/or any form of unlawful use or processing.

    1.5.  Inspection, correction and deletion of data and the right to object

    You can view your data that is processed by FRISS at any time and free of charge and, if you so wish, modify this data or have it deleted. You can also object to receiving information about products, services or content of FRISS. If you wish to make use of one of these options, you can send an e-mail to the Data Protection Officer of FRISS via privacy@friss.eu or write to the following address:

    FRISS | fraud, risk & compliance
    Attn. Data Protection Officer
    Orteliuslaan 15
    3528 BA Utrecht.

    2. Cookies

    When using this website, information about your use of these services and other websites may be collected by or on behalf of FRISS, for example by means of cookies.

    A cookie is a small file that is sent along with pages of a website and stored by your browser on the hard disk of your computer. We use cookies to remember settings and preferences. You can disable these cookies via your browser.

    2.1.  The purposes for which FRISS uses cookies

    On our website we use cookies for the following purposes:

    • for statistical purposes, in order to analyse the use of FRISS websites. This allows us to keep track of the number of visitors and see which parts of our website are popular. We use Google Analytics in order to track and consult these statistics. On this website you can find explanations about all cookies that may be placed by Google;
    • for what is known as ‘targeting’ purposes, if you have used the download form. By targeting we mean building a profile of you based on your surfing behaviour on our website, after which we may contact you by telephone or e-mail based on the interests you have shown in order to offer you FRISS services that you may be interested in. We use HubSpot in order to track and consult these statistics. On this website you can find explanations about all cookies that may be placed by HubSpot;

    3. Changes to this Cookie and Privacy Statement

    FRISS may make changes to this Cookie and Privacy Statement. All modifications will be published on this page. We advise you to consult this Cookie and Privacy Statement regularly, so that you are always aware of the content of the current Cookie and Privacy Statement.