Munich Re logo
Not if, but how

Explore Munich Re Group

Get to know our Group companies, branches and subsidiaries worldwide.

© martinlubpl / Getty Images


Smart underwriting for SMEs with just a few clicks

    alt txt



    Small and medium-sized enterprises are the backbone of the economy, and yet they are often underinsured as the buying process is usually lengthy and cumbersome. Smart underwriting is now changing the game ...

    ... by merging data science and insurance expertise speeding up the quoting process, enhancing the client journey and ultimately expanding insurability and developing tailored solutions. This is creating new opportunities for insurers to tap into this profitable market.

    To benefit from this, insurers and brokers in the SME or commercial sector must move fast to hit the expectations of all in one products in combination with digital services.

    Get started with flowin

    Our brand-new web app is a digitalised and automated approach that streamlines the underwriting process in order to deliver better data quality, reduced quoting time and improved risk selection. 

    Look how it works

    significantly faster
    more cost effective
    better client journeys

    This new solution helps you and your clients underwrite SME (and commercial) business more efficiently, from your PC or mobile phone.

    Requesting quotes can be cumbersome due to the uploading of numerous documents and extensive sets of questions. flowin makes this process much easier. As a web-based application for the underwriting process, it creates an online “one-stop-shop” for underwriting SME (or commercial) business giving you exclusive access to Munich Re’s data lake and analytics, expertise in risk modelling and pricing. 

    To support you to develop innovative insurance products, the following services are available via the flowin web app or API (with more to come):

    • Company information 
    • Satellite imagery recognition
    • Nat Cat assessment 
    • Cyber risk assessment 
    • Market anticipation 
    • Pricing 

    Benefit from Munich Re’s expertise to grow your business

    Why Munich Re is the right partner to get easy access to high quality data, digital expertise and analytics power

    Benefit from Munich Re’s expertise to grow your SME business
    © Munich Re

    The online store for SME (and commercial) business

    Clients benefit from highly agile technology. Combining multiple data sources into one, we put data enrichment at the heart of our solution. This allows you to create customised insurance solutions for your clients with just a few clicks.

    Your benefits at a glance

    • Added value to insurance companies and distributors by simplifying and enriching the underwriting process
    • Profit from our data excellence and innovative user experience
    • Easy implementation combining multiple API and data sources into one 

    flowin is available in selected EU markets.

    Get in touch to learn more

    Please enter a value.
    Please enter a value.
    Invalid value.
    Thank you for your message. Your message has been sent to our flowin team.
    Something went wrong please try again!
    Our experts
    Daniel König
    Daniel König
    Director Facultative
    Gian Luca Migliorini
    Gian Luca Migliorini
    Executive Director
    Continental Europe