FOR INSURANCE UNDERWRITERS

Price battery risk with independent performance evidence.

Cross-referenced BMS and grid-side records for underwriting, renewal review, and claims analysis.

The failure cascade you can't see coming.

Cell imbalance is the most common cause of BESS underperformance. It appears at virtually every site. The BMS cannot detect it in LFP systems. And it cascades predictably toward the claims on your desk.

Cell capacity divergence
10-15%
Capacity Stranded Per Site
Energy trapped between the strongest and weakest cell is commercially inaccessible. One documented 350 MWh system: 11% stranded, EUR 25-110K/week exposure. BMS reported normal.
LFP voltage vs SOC +/-15% SOC error
+/-15%
SOC Estimation Error (LFP)
LFP's flat voltage curve means +/-10mV measurement error causes +/-15% SOC uncertainty. Two racks show identical voltage with wildly different remaining capacity. The BMS is blind.
Imbalance Stranded Harder cycling Faster aging Thermal stress Claim
2-3x
Quote dispersion on identical BESS assets
The cascade is predictable: imbalance strands capacity, operator cycles harder to compensate, degradation accelerates, thermal events follow. You pay the claim with no independent record of what happened.

Three inputs underwriting teams rarely receive independently.

Your pricing models use manufacturer specs and limited loss history. SynthGrid provides the asset-specific field data that changes underwriting from guesswork to measurement.

INPUT 1
Actual degradation rate
Cross-referenced against independent grid-side measurement, not BMS self-reporting. Verified capacity trending over time. The 350 MWh stranded capacity case would have been flagged within weeks, not months.
INPUT 2
Operating envelope compliance
Continuous monitoring of temperature, SOC, C-rate, depth of discharge, and cycle count against warranty terms. Cryptographically signed, tamper-evident. When a thermal event occurs, the record shows whether the battery was operated within limits.
INPUT 3
Imbalance progression
Energy balance verification detects the growing gap between what the BMS reports as available and what the grid meter shows is actually delivered. Statistical trending flags accelerating divergence before it reaches catastrophic levels.

Why this data doesn't exist elsewhere. Battery analytics platforms analyze operator-provided BMS data. That's useful for operations. For claims validation and underwriting, you need data cross-referenced against sources the operator doesn't control. SynthGrid reads from the grid meter independently.

What changes at renewal. At inception, pricing rests on manufacturer specs and limited loss history. At renewal, 12 months of independent operating data can be available: actual degradation rate, thermal event log, operating envelope compliance history. The renewal conversation shifts from assumption to documented field evidence - and premium adjustments can reflect what the asset actually did, not what the datasheet said it would.

From claims validation to portfolio pricing.

Multiple engagement models depending on where you are in the underwriting lifecycle.

CLAIMS VALIDATION
Post-incident forensic reconstruction
A claim lands on your desk. The operator's BMS data supports it. Can anyone independently verify what actually happened? SynthGrid reconstructs the failure sequence using historical telemetry, grid-side data, and physics validation. Independent evidence your adjuster can rely on.
UNDERWRITING INPUT
Pre-bind technical assessment
Before you write the policy, know what you're insuring. Independent degradation rate, thermal risk profile, operating envelope compliance history. Reduces your quote dispersion from 2-3x to data-driven pricing.
CONTINUOUS MONITORING
Early warning before claims materialize
Continuous independent measurement can flag developing divergence before it becomes a material event. Anomaly detection, degradation acceleration alerts, and warranty envelope monitoring support earlier intervention.
PORTFOLIO DATA
Fleet-level risk benchmarks
As the verified dataset grows: anonymized degradation distributions by chemistry, climate zone, and duty cycle. Cross-referenced BESS performance records can improve risk-model inputs.

Performance data can improve underwriting decisions.

Independent monitoring can strengthen both underwriting review and subsequent claims analysis.

THE MODEL
Analytics-embedded underwriting
Continuous asset health metrics can provide additional evidence for pricing and renewal decisions. Cross-referenced performance records give underwriting teams a clearer basis for evaluating asset-specific risk.
THE DIFFERENCE
Independent data vs. operator-provided analytics
Existing analytics platforms analyze BMS data the operator provides. For claims validation and underwriting, you need data cross-referenced against sources the operator doesn't control. SynthGrid reads from the grid meter independently and cryptographically signs every record. The same data that prices the policy validates the claim.

BESS underwriting needs better operating evidence.

Renewable energy insurance provides a precedent for incorporating operational analytics into risk assessment. Battery storage needs performance evidence suited to its own operating conditions and failure modes.

THE PRECEDENT
Insurance-embedded analytics drives adoption
Analytics-based risk products in renewable energy show how better operating evidence can inform underwriting. Battery storage requires a corresponding evidence model built for battery performance.
THE OPPORTUNITY
First independent BESS performance dataset
Every asset SynthGrid monitors can contribute to a growing dataset of cross-referenced BESS performance records. Grid-side measurement provides an additional reference point for improving risk pricing and claims review.

The losses are accelerating.

$400M

Vistra Moss Landing. Fourth fire. Entire book value written off.

Vistra Corp, 2024
$300M

Powin Chapter 11. 11 GWh of warranties became unsecured claims.

Powin Energy, Ch. 11 filing, 2025
84%

ERCOT ancillary revenue collapse. $149/kWh (2023) to $17/kWh (2025).

ERCOT market data, 2023-2025

These incidents illustrate why insurers need reliable operating evidence during underwriting and claims review.

The independent measurement your loss models are missing.

Claims validation, pre-bind assessment, continuous monitoring, or portfolio benchmarking. Multiple engagement models for where you are in the underwriting lifecycle.

Ready to talk?

Tell us about your asset and we'll show you what the data looks like.

Get in Touch