IoT Insurance Observatory

Initiative presentation
 The Observatory mission is to promote a profitable IoT adoption

Our approach Insurance IoT Observatory is a six-year-old

think tank specialized on the insurance IoT
Insurance IoT with the participation of top executives
HOLISTIC Wisdom from the most relevant Insurers, Reinsurers,
INTEGRATION sharing and Tech players in the IoT insurance arena

Knowledge The Observatory is about connecting people

STRUCTURED Development
and ideas in order to spread the innovation
USAGE
culture throughout the insurance market
with three concrete outcomes:
Information • A global multiclient research on the
CONNECTION
Organization insurance IoT paradigm
• One-to-one workshops to each member
Constant • Plenary symposiums with all the
Scouting members
COLLECTION

Some international insurance best practices

RESEARCHING INTERPRETING STORYTELLING REFLECTING
have successfully integrated IoT in their
insurance value chain and achieved
positive ROIs. These insurer’s business
transformation journeys show how strategy
The Observatory speaks the insurance business
matters more than size
units’ language but has the innovation units’ soul

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The annual Observatory editions in figures

2460 hours of one-to-one 83 insurance companies,

workshops over the five including:
annual editions of the
Observatory
4 of the top 5 Reinsurers
11 of the top 15 European
plenary symposiums Insurance Groups
28 between North America 9 of the top 15 US P&C
and Europe Insurance Groups

international
7 publications 45 tech players and vendors

Worked directly with players accounting for more than 80% of global IoT
insurance volumes (number of insurance policies with telematics, smart
home/buildings, and connected health/life)
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 The 2022
Observatory
members

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We cover all the insurance business lines

Business lines Cross-business line topics

Personal auto

Personal

Senior living
Homeowner
lines
Continuous Behavioral Real time risk
Life & Health Underwriting change mitigation

Extended warranty

Commercial auto
Go to IoT ROI
market architecture management Ecosystems

Manufacturing
Construction
Property
Agriculture
Marine

Retail
MedMal

Commercial
General liability
lines

Workers’ compensation
Selling services IoT-based innovation Digital twins &
and improving journey usage of new
Employee benefits customer (IoT and leadership knowledge about
experience capabilities) clients and risk

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We help Observatory members to address the insurance IoT opportunity

• Insurance IoT vision and strategy • Key aspects for execution:

• Reasons for adopting IoT into the insurance business ‒ Go to market and partnership
• Current insurance IoT state of adoption ‒ People, skills, and processes
• Deep dive (international best practices, local opportunities, ‒ IoT architecture
expected future development) on the following IoT use case: ‒ Data sources and sensors
‒ Enhance Customer Experience • Focus on critical issues and constraints:
‒ Create Value on Insurance Core Processes ‒ Compliance and privacy
Cross-
‒ Develop New Knowledge ‒ Operational risks (security and data
business ‒ Improve Sustainability confidentiality)
line topics • Deep dive on leadership capabilities (international success
stories, pitfalls):
‒ Vision and strategy
‒ Usage of IoT as enabler for business performances
‒ Engagement
‒ Governance
‒ Continuous innovation

• Understanding the business reasons for adopting the insurance IoT paradigm
• Understanding the role of leadership capabilities in the IoT-based business transformation
What • Identifying the different insurance IoT use cases and their contribution for providing a strategic advantage to your business
Identifying approaches to execute a profitable IoT-based business transformation
learnings are •
• Assessing customer readiness for different value propositions
obtained by • Assessing your company’s readiness for the IoT journey
members? • Understanding best practices for enhancing IoT capabilities and leadership capabilities in your insurance IoT program
• Identify the challenges of insurance IoT programs (both in the design, execution, and continuous evolution) and methods
for addressing them

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Three different options for your one-to-one workshops

A deep-dive on the insurance IoT key trends covered by

the Observatory’s research dedicated to your colleagues

A strategic discussion about your IoT insurance initiatives

and go-to-market with your executives

A presentation at any of your private events dedicated to a

group of your distributors, partners, or investors

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Peer discussions at plenary symposiums
Oct 4th ‘21 Vegas
8.30- Long term trends and
9.00
learnings from digital
wellness programs in
insurance – Bewley, Evo
and Matisonn, Vitality
9.00- Building Believers: How to
9.30
use IoT successfully for
Home Insurance – Rose,
AiteNovarica
9.30- Transforming commercial
10.00
lines by creating an IoT
powered small fleet
ecosystem – Labbé, Fleetr
10.00- An update on the use of
10.30
telematics in the US
Personal Auto Insurance
market – Ross, DRC Group
11.00- Next generation fraud
11.30
detection with aerial
imagery and artificial
intelligence - Ardossi, Data
Reply
11.30- Auto Claims: Ecosystem
12.00
value creation with Smart
Claims – Scoville and
Arora, Swiss Re
12.00- Home digitization &
12.30
insurance: 6 years of
lessons learned and
finding success with
hardware – Anderson,
Nationwide
12.30- Telematics Adoption and
13.00
Catalysts – McMahon,
CMT
14.00- Wearable Technology
14.45
utilization in WC - Bellows,
Risk Retention Bureau
Click
to view
Oct 19th ‘21 Milan
13.20- IoT between engagement and
13.50
preventive care -
Vecchietti, Intesa Sanpaolo
RBM Salute
13.50- iptiQ - shaping the future of
14.20
digital insurance –
Bewersdorf, iptiQ
14.40- DriveScore: Unlocking mass-
15.10
market telematics data for car
insurance through a user-
centric proposition - Astin,
Clearscore
10.00- Mobile Telematics Accuracy
10.30
and Capabilities in Depth –
Madden, CMT
15.10-
TeleMYTHics. The most popu-
15.35
lar myths of motor insurance
telematics – Przybylska,
Telematics Tecnologies
15.50- At the forefront of insurance
16.15
innovation. From connected
drivers to connected cars,
Castellana & Di Lillo, Swiss Re
16.40- IoT data has changed an
17.10
entire class of speciality
insurance, and the lessons
learnt can benefit the broader
commercial insurance market
– Yeoman, Concirrus
17.10- How to create, launch and
17.35
scale a phygital ecosystem in
the “new normal” era –
Garuccio, Reale Group
17.35- An Insurtech Ecosystem
18.00
Project: Net Insurance and
the Homix Smart Protection
Product - Vignoletti & Pittana,
Net Insurance
Click
to view
Dec 2nd ‘21 Hartford Dec 14th ‘21 Milan
9.00 - Tried and failed with IoT? 10.00 - “Jeniot: an international
9.45 Ting: Practical and 10.30 Mobility solutions
powerful insurance IoT provider”, Busetto –
that scales to deliver Generali
prevention, engagement
10.30 - “Dynamic UBI Programs
and telematics data, 11.00
Marshall - Whisker Labs through Aligned Pricing
Personalization Excellence”,
9.45 - Howland - Earnix
Internet of Things in
10.30
Construction, Bush – 11.00 – “How it is done in Poland. 10.30
Insight Risk Technologies
11.30 Specifics of the motor
insurance market and case
11.00 “Allstate’s Journey with studies of telematic
– Telematics”, MacInnis – insurance offers” –
11.30
Allstate Przybylska and Kozlowski,
Telematics Tecnologies
11.30 - “Dynamic UBI Programs 11.30 - "The last decade was
12.00
through Aligned Pricing 12.00
Telematics (IOT) for Cars,
Personalization will this decade be
Excellence”, Pockard - telematics (IOT) for the
Earnix
home" – Ahmed, Locket
12.00 - Cracking the code for 13.00 - IoT and Cargo Insurance
14.00 Roundtable – Ben-Ami,
12.30 Commercial Telematics –
Concirrus; Marques, Porto
an aggregation solution”,
Yeoman - Concirrus Seguro; Kern, Swiss Re
“Long term trends and
14.00 -
13.15 - Becoming a Digital 14.30 learnings from digital
14.30 Insurer of the Future”,
wellness programs in
Karthikeyan –
insurance” – Bewley, Evo
ValueMomentum; and Matisonn, Vitality
Followed by a roundtable
14.30 - “Using Satellite Data for
on the IoT architecture
15.00 ‘connected property’
(Samela -The Hartford;
claims” – Panchaud,
Reale – Travelers)
Concirrus
14.30 - Single-digit adoption,
15.00- Telematics fireside chat –
15.00 billion-dollar problems,
15.30 Lovati, UnipolSai
and why carriers are the 15.30 - Personal Auto Telematics
16.30 Roundtable – Theron,
secret to accelerating
Discovery; Bernardo Santos,
wins in commercial P&C”,
Fung-A-Wing - Kairos IBM; Rizzotto, Intesa
Sanpaolo Assicura;
Click Click
to view to view
May 12th ‘22 NJ
8.50 - Innovation is the new Risk
9.30
Management: AXA XL
Construction Ecosystem -
Hall (AXA XL)
9.30 -
IoT usage to Innovate Med
10.00
Mal Insurance – Antier
(Relyens)
10.00 - 7 Trends in Insurance
Telematics - Morse (CMT)
10.30 - OEM data in the evolution of
11.00
commercial telematics,
Maco (The Floow)
11.20 - Durable Insurtech:
11.50
Wearables as the unfair adv-
antage – Elhawary (Kinetic)
and Anderson (Nationwide)
11.50 - IoT - Moving to what matter
12.20
most: Engagement,
Retention, and Prevention,
Pockard (Earnix)
13.20 - Methodical Approach to
14.00
Drive Business Value with
Analytics and IoT - Maddali
(Telenav)
14.00 - Empowering the Industry's
14.30
Next with Swiss Re
Solutions- Pasricha (Swiss
Re)
14.30 - How telematics helps
15.00
manage real-time driver risk
and accelerate claims
proces-sing – Yeoman
(Concirrus)
14.30 - Smart home insurance
15.00
roundtable - Bales (Notion),
Jacobs (Nationwide), Paharia
(Allstate), Orbann (Travelers)
and Anderson (Catalyit)
Click
to view
LAST SESSIONS
May 19th ’22 Milan
9.20 - Welcome to IBM - Margutti (IBM)
10.05
How are you preparing to thrive?
- Danesi (IBM)
IBM Vision: the future of
insurance - Bieck (IBM)
10.05 -
How smart hardware can boost
10.35
your telematics product, Kenber
and Vollmer (Swiss Re)
10.35 – Seven trends in insurance
11.05
Telematics, Ivanov (CMT)
11.30 - IoT and Real time data to support
12.00
Risk Management in industrial
risks, Zanardi (Axa XL)
12.00 - IoT in agribusiness: precision
12.30
farming and insurance in the
cutting edge of innovation,
Menghi (Neosurance)
12.30 - How telematics helps manage
13.00
real-time driver risk and
accelerate claims processing,
Dewar (Concirrus)
13.00 – Health promotion and disease
13.30
prevention: Why behavioural
science matters, Cabrignac (Scor)
14.20 – Focus on Healthcare -Skordby
15.00
(IBM)
Focus on Automotive - Velichety
(IBM)
15.00 – Building winning connected
15.30
insurance products using OEM
data, James and Chalk (The Floow)
15.30 – Telematics roundtable Quartara
16.30
(Societe Generale Insurance), Foti
(HDI), Lassa (Scor), Del Bo
(Movinx), Beninati (Reale Group);
Kisvarday (Earnix)
Click
to view
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 LAST SESSIONS
Peer discussions at plenary symposiums

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Some of the IoT Insurance papers published with Observatory members

The connected Smart Home

and sustainable Insurance
insurance April ‘19
December '16 American Family
Connected Insurance &
Insurance IoT Insurance
Observatory Observatory

Unveiling the full Attractive UBI The Best Connected

potential of telematics Business Models Insurance Value
May ‘17 for US Consumers Proposition for Europe
Swiss Re July ‘20 Feb ‘21
Cambridge Mobile Cambridge Mobile
Telematics & IoT Telematics & IoT
Insurance Observatory Insurance Observatory

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Some of the media visibility opportunities offered to the Observatory
members and their executives

Connected Insurance Report Insurance Is Getting Connected

December ‘18 August ’21
Insurance Nexus & Carrier Management
IoT Insurance Observatory

Future of Insurance Thought leadership articles From Risk Transfer to

August ‘16 ‘18-’19 Risk Prevention
Business Reporter Different medias May ’21
The Geneva Association

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Observatory members and their executives have a unique visibility
within the insurance innovation arena

Visibility towards hundreds of thousand readers of the

insurance medias featuring Observatory’s contents
Global
insurance executives

Carbone’s Direct access to tens of thousand global executives

involved with insurance innovation (32K newsletter
direct network of subscribers and 200K LinkedIn and Twitter followers)
insurance executives

Direct and constant exposure to hundreds of key

Observatory executives involved in the IoT programs within the
members members of the IoT Insurance Observatory (including 3
of the top five European insurance groups, 5 of the top
ten US P&C insurers, and 3 of the top five global
reinsurers)

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Some quotes from the Observatory participants

It gives telematics and IoT an awesome platform for collaboration, teaching, and knowledge sharing Insurer

The initiative provided though-provoking contents. The deep dive sessions were clear and stimulated Insurer
great engagement within the organization

Our journey has been going ‘hand in hand’ with your support and the insightful conversations held Reinsurer
over those years at the IoT Insurance Observatory, including our joint papers

When you read a press release or hear a speech at conference, you see only the shining side. It is great to have Insurer
the rationalization that connects dots, and investigates also what has not worked well

We appreciate the insights, examples, and best practices you and the Observatory community bring Insurer
forward to help us shape our journey

A great support in rationalizing the different opportunities for using IoT data in our business and Insurer
defining a roadmap for our business transformation

Relevant opportunity to approach unique contents about connected insurance – IT provider

both from actuarial angle and customer angle - and to discuss them with Insurance
Executives, Associations and the Regulator

The Observatory is creating value for us. We met insurers that have started to IoT Insurtech
work with us. It is also useful to have a constant update on the markets around startup
the world

Rich information as well as thought provoking analysis and perspective. An Insurer

unbiased platform that focuses on truly learning and embracing IoT. His ability to
bring others together and to share thoughts and experiences is extremely valuable

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Contacts

Matteo Carbone
Founder and Director of the IoT Insurance Observatory
Keynote speaker and writer on insurance innovation
Global InsurTech Influencer (Top 2 InsurTech Influencer by InsurtechNews, Top 2 InsurTech
Influencer by Right Relevance, Top 10 InsurTech Influencer and top 4 insurtech influencers
Matteo.carbone@iotinsobs.com
in the fintech community by Onalytica, Top 20 Influencer in Geoinsurance by Conirium) +39 (334) 622- 0378
www.IoTinsObs.com +1 (929) 309-6026

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