Geoya Qorus-NTT DATA Innovation in Insurance Awards 2026

Climate risk is a real challenge for insurance. In 2023 in France, 1 in 4 French people were exposed to flood risk, representing 18.5 million inhabitants. In 2024, €6.5 billion in compensation was linked to climate events in France, and 55% of the country was exposed to RGA, representing more than 11 million single-family homes (FranceAssureurs 2026).

Faced with the increasing frequency and intensity of climate events, traditional approaches are showing their limitations. The cost of claims is skyrocketing. Some areas are becoming more difficult to insure, and policyholders lack concrete solutions to protect themselves. Geoya was born out of the conviction that a collective, structured, and operational response is essential to preserve insurability for all and to support policyholders before claims occur.

The climate prevention market currently consists of partial solutions: mapping tools, one-off diagnostics, or initiatives specific to each insurer. Geoya stands out for its unique positioning as a shared market solution, combining insurance expertise, risk engineering, digital tools, field diagnostics, and operational support for the implementation of adaptation solutions, serving the entire ecosystem.

Through insurers, Geoya offers a comprehensive prevention program structured around levels of diagnosis and support tailored to each insured profile: - Individuals and small businesses (including artisans and merchants) can perform a reliable self-assessment of their vulnerability to climate risks and, if necessary, obtain a remote and/or on-site assessment by an expert. Each assessment is followed by a list of concrete solutions and an estimate of the necessary investments and work. - Large companies, local authorities, and associations can benefit from an in-depth on-site assessment, with a visit from an expert leading to a tailor-made remediation action plan (waterproofing, raising sensitive equipment, protecting openings, etc.). Operational support is also provided to coordinate the work necessary to reduce risk.

Where applicable, the solution provides support to policyholders in accessing public funds to finance all or part of the adaptation work, depending on their eligibility for existing schemes.

Geoya is a joint venture founded by Generali, MAIF, Société Générale Assurances, Saretec, and Sixense. It has €7.3 million in capital and assets that are unique in the insurance market: a database of 2.6 million buildings provided by Saretec, and an exclusive Resilience Performance Assessment methodology provided by Sixense. The first Geoya services, focusing on flood risk, will be rolled out in spring 2026.