Generali France Risk care – Insurer Innovation Award 2023

1. 1
Manage your industrial risk

2. 2
1. Context and stakes of industrial risk prevention
2. The RiskCare solution
3. IT Roadmap overview
4. Riskcare’s benefits
SUMMARY

3. Context and stakes
of industrial risk prevention

4. 4
Problem to solve
Many claims could be avoided
Often enough information was known to prevent
the rootcause, but it was difficult to catch or
follow without a smart digital tool

5. 5
Today
Target
Missing prevention 24%
Small and medium sites which can not be visited individually on a
regular basis and could become more profitable with self-diagnosis
tools, data collection and processing.
Uneffective prevention 24%
Claims where information was available to avoid the accident with
better tooling
Traditional risk assessments are often focused on compliance with
regulations or standards, missing the main security objectives
Effective prevention 19%
accidents avoided or contained or policies pruned before accident,
thanks to existing expert analysis, on-site visits, recommendations
and follow-up.
52% Unpredictable risk
Bad luck cannot be totally under control… yet!
60,000 daily industrial accidents**
20 daily industrial fires**
*Figures observed on a real insurer’s industrial risk portfolio
**2020 Fire and Rescue Service Statistics
Typical claims diagnosis*

6. 6
Root cause = electrical failure
Electrical defaults were detected and infrared thermography
recommended by the insurer, but the actions were not followed
Total claim cost
10M€
24M€
10M€
Potential cost
0M€
0.1M€
0M€
Expected gain
10M€
23,9M€
10M€
2020
2020
2020
Root cause = condenser battery
The date and type of battery were known to have a high loss ratio... but
not by the insurer or the industrial client
Root cause = electrical failure
The insurer detected electrical defaults and recommended corrections
but without any decent follow-up
Disasters which could have been avoided…
Disasters which were avoided…
Actions which had a proven positive impact
Fire detection system and training of employees made it possible to
quickly stop an outbreak of fire
Additional water supply, building compartmentalisation and move of
the external storage made it possible to contain a major fire
0M€
2M€
20M€
7M€
20M€
5M€
2020
2020

7. 7
The RiskCare solution
Manage your industrial risk

8. 8
RISKCARE
PLATFORM
SURVEYS
RECOMMENDATIONS
REPORTS
…
EASY SETUP
RESEARCH
MODULE
LIBRARIES
STORAGE
OF CUSTOMER
DOCUMENTS
IT
ACCESS
EXTERNAL
DATABASE ACCESS
DATA
EXPLOITATION
IMPORT
EXPORT
DATA
SECURED
SOCIAL MEDIA
PUBLISHING
CALENDAR
FUNCTION
MEDIA
FUNCTION
FORMATION
EVOLVING SIMPLE
INTUITIVE
LIVE
FEEDBACKS
SPECIFIC
NOTES
CONFIGURABLE
SCORING
NETWORK CLIENT
VISITS
VISIT
PROGRESS
CLIENTS
CAMPAIGNS
MAINTENANCE
PRODUCT AND SERVICE
OFFER
COMPATIBLE
WITH EXISTING
APPLICATIONS
CLIENTS
INSURERS INTERMEDIARIES
OTHER FUNCTIONS
DOCUMENT MANAGEMENT DATA MANAGEMENT
MOBILE SOLUTION
MODERN UX
CLIENT FEEDBACK
VISIT MANAGEMENT
MUTUALIZATION
MULTI-PROFILE MANAGEMENT
A comprehensive set of features for a safer industry

9. 9
Maîtrisez vos risques industriels
RiskCare is reinventing the way insurers, brokers and industries anticipate and
respond to sites threats.
Supervision and scoring of the risk portfolio
A complete digital platform for clients, underwriters and
intermediaries
3 portals adapted to each stakeholder’s needs
Human prevention expertise (France only)
Personalized action plan for each industrial site
Fluent exchanges between stakeholders
Reinventing industrial risks prevention

10. 10
On-site risk visits
powered by AI and digital tool
Personalized recommendations
associated with relevant providers and 360° follow-up
Risk portfolio management
comprehensive dashboard for underwriters
Full ecosystem of trusted providers
to implement the measures and provide local expertise
A team of risk insurance experts
dedicated to your loss control and account management
Augmented loss control
(one-to-one digitalized support of principal sites)

11. 11
Maîtrisez vos risques industriels
3 interfaces giving an adapted view on the same data, workflows and documentation
Screenshot of the client landing page
Screenshot of a recommendation follow-up for
brokers or agents
Screenshot of the expert backlog for
underwriters
As a chief underwriting officer of an industrial risk
carrier, I want an expert tool to multiply my prevention and
supervision capacities in order to transform my risk
portfolio and achieve sustainable profitability
As an intermediary, I want a simple tool to strengthen
my advisory role to the customer, improve his satisfaction
and make sure the relation is sustainable
As an industrial site manager, I want to make sure my
production tool is well protected against accidents, thanks to
a digital and straightforward link with my insurer
Underwriters Clients
A platform for …
“
” ”
“
”
“
Intermediaries

12. 12
Maîtrisez vos risques industriels
Seamless IT integration
API-first approach for reliable data sync
Online chat
between stakeholders
Customizable
Your brand and style guide
Simple
thanks to permanent field testing
100% secured & isolated data
one platform instance dedicated to your portfolio
Scalable
Built on a robust Salesforce basis
A powerful tool serving your collaborative loss control strategy

13. 13
1 Org : 1
Salesforce
“apartment”
Data Separation with a Salesforce Multi-Tenant Model
The RiskCare structure is shared in order to benefit from fast
maintenance and deployment of environments.
Within this structure, each client has his own organization and therefore
his own partitioned environment, accessible by the Organization ID or
the user ID.
Maîtrisez vos risques industriels
Application-level Security based on Salesforce
Trusted Networks Authentication Options Audit Trail Object
History Tracking
Object Level Security
(CRUD)
Field Level Security
end-to-end secured access…
Measures implemented in the RiskCare application
• SSO login (OpenID connect) for employees with the possibility of
generalization to the portals.
• A common profile ("minimum access") assigned to all employees to
define the baseline of rights on objects and fields.
• Sets of permissions assigned to the user mesh allowing to open
rights to features, objects and fields per user.
• Data segregation by insurer based on standard Salesforce
mechanisms (no code) increasing the reliability and strength of data
sharing.
Data segmentation

14. 14
• Technical expertise and solution design
• Knowledge contribution
• Technical expertise missions and 1st level visits
• Design of the platform
• Technical supervisor
• Maintenance and evolution of the platform
• Project sponsor
• Project lead
• 1st client
An innovative Joint-Venture

15. 15
IT roadmap overview
Manage your industrial risk

16. 16
Maîtrisez vos risques industriels
S2 2023
S1 2023
IT roadmap overview
• New types of engineering missions
• Backoffice translation into english
• Backoffice UX optimisation
• Providers portal (MVP)
Q2 2023
• Self diagnosis
• Multi-sites diagnosis
Q3 2023
• Clients & Intermediaries Portals UX
optimisation
• Improved dashboard for managers
Q4 2023
• AI features
• Automatic analysis and alert of risk
situations
Q1 2024

17. 17
RiskCare’s benefits
Manage your industrial risk

18. 18
Maîtrisez vos risques industriels
Even if we need to experience a complete portfolio cycle (from visit to claim) to evaluate and confirm the technical benefit, based on backtesting
(2020 figures), we expect your line of business to gain at least 10 bps loss ratio thanks to the RiskCare global approach.
Additionally, you will benefit from:
Economic benefits brought by RiskCare
Increased interest from the market (clients and brokers)
Very positive experience of all stakeholders
Operational gains (cost effectiveness): less time lost in mails,
papers…
Boosted innovative brand image
Increased loyalty and pride of our underwriters and risk
specialists

19. 19
THANK YOU
Manage your industrial risk