The IoT Insurance Observatory initiative is a collaborative think tank aimed at promoting profitable IoT adoption in the insurance industry, involving top executives from significant insurers and technology companies. The observatory offers workshops, research, and symposiums that address IoT integration and best practices across various insurance sectors, emphasizing the importance of strategy in achieving positive business outcomes. It facilitates knowledge sharing, provides insights on IoT's role in transforming insurance values, and supports members in addressing challenges and opportunities within the IoT insurance landscape.

1. IoT Insurance Observatory
Initiative presentation

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The Observatory mission is to promote a profitable IoT adoption
Insurance IoT Observatory is a six-year-old
think tank specialized on the insurance IoT
with the participation of top executives
from the most relevant Insurers, Reinsurers,
and Tech players in the IoT insurance arena
The Observatory is about connecting people
and ideas in order to spread the innovation
culture throughout the insurance market
with three concrete outcomes:
• A global multiclient research on the
insurance IoT paradigm
• One-to-one workshops to each member
• Plenary symposiums with all the
members
Some international insurance best practices
have successfully integrated IoT in their
insurance value chain and achieved
positive ROIs. These insurer’s business
transformation journeys show how strategy
matters more than size
The Observatory speaks the insurance business
units’ language but has the innovation units’ soul
Our approach
HOLISTIC
INTEGRATION
STRUCTURED
USAGE
CONNECTION
COLLECTION
RESEARCHING INTERPRETING STORYTELLING REFLECTING
Information
Organization
Information
Organization
Knowledge
Development
Knowledge
Development
Insurance IoT
Wisdom
sharing
Insurance IoT
Wisdom
sharing
Constant
Scouting
Constant
Scouting

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The annual Observatory editions in figures
hours of one-to-one
workshops over the five
annual editions of the
Observatory
plenary symposiums
between North America
and Europe
insurance companies,
including:
4 of the top 5 Reinsurers
11 of the top 15 European
Insurance Groups
9 of the top 15 US P&C
Insurance Groups
international
publications
tech players and vendors
2460
28
7 45
83
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 think tank membership provides access to the most globally
relevant insurance IoT knowledge
The knowledge is delivered through workshops dedicated
one-to-one to each of the organizations, which are members
of the Observatory and plenary symposiums both in North
America and Europe
Observer
Interpreter
The most pragmatic multiclient research specialized in the
insurance IoT domain based on a constant observation of
the usage of sensors in different insurance business lines
around the globe
We interpret best practices and pitfalls for the members
leveraging experience built on advising hundreds of
organizations in almost 20 different international countries
on IoT insurance projects
Storyteller

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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
Homeowner
Life & Health
Commercial auto
Property
General liability
Workers’ compensation
Employee benefits
Extended warranty
Personal
lines
Commercial
lines
Senior
living
Senior
living
Agriculture
Agriculture
Retail
Retail
Manufacturing
Manufacturing
Construction
Construction
Marine
Marine
Behavioral
change
Selling services
and improving
customer
experience
IoT
architecture
Continuous
Underwriting
IoT-based innovation
journey
(IoT and leadership
capabilities)
Go to
market
Real time risk
mitigation
Ecosystems
ROI
management
Digital twins &
usage of new
knowledge about
clients and risk
MedMal
MedMal

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Cross-
business
line topics
We help Observatory members to address the insurance IoT opportunity
• Insurance IoT vision and strategy
• Reasons for adopting IoT into the insurance business
• Current insurance IoT state of adoption
• Deep dive (international best practices, local opportunities,
expected future development) on the following IoT use case:
‒ Enhance Customer Experience
‒ Create Value on Insurance Core Processes
‒ Develop New Knowledge
‒ Improve Sustainability
• Deep dive on leadership capabilities (international success
stories, pitfalls):
‒ Vision and strategy
‒ Usage of IoT as enabler for business performances
‒ Engagement
‒ Governance
‒ Continuous innovation
• Key aspects for execution:
‒ Go to market and partnership
‒ People, skills, and processes
‒ IoT architecture
‒ Data sources and sensors
• Focus on critical issues and constraints:
‒ Compliance and privacy
‒ Operational risks (security and data
confidentiality)
What
learnings are
obtained by
members?
• Understanding the business reasons for adopting the insurance IoT paradigm
• Understanding the role of leadership capabilities in the IoT-based business transformation
• 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
• Assessing customer readiness for different value propositions
• Assessing your company’s readiness for the IoT journey
• 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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One-to-one workshops to deep-dive the more relevant aspects
for your company

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

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Peer discussions at plenary symposiums LAST SESSIONS

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The connected
and sustainable
insurance
December '16
Connected
Insurance
Observatory
Unveiling the full
potential of telematics
May ‘17
Swiss Re
Smart Home
Insurance
April ‘19
American Family
Insurance &
IoT Insurance
Observatory
Attractive UBI
Business Models
for US Consumers
July ‘20
Cambridge Mobile
Telematics & IoT
Insurance Observatory
Some of the IoT Insurance papers published with Observatory members
The Best Connected
Insurance Value
Proposition for Europe
Feb ‘21
Cambridge Mobile
Telematics & IoT
Insurance Observatory

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Future of Insurance
August ‘16
Business Reporter
Connected Insurance Report
December ‘18
Insurance Nexus &
IoT Insurance Observatory
Some of the media visibility opportunities offered to the Observatory
members and their executives
From Risk Transfer to
Risk Prevention
May ’21
The Geneva Association
Insurance Is Getting Connected
August ’21
Carrier Management
Thought leadership articles
‘18-’19
Different medias

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Observatory
members
Direct and constant exposure to hundreds of key
executives involved in the IoT programs within the
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)
Direct access to tens of thousand global executives
involved with insurance innovation (32K newsletter
subscribers and 200K LinkedIn and Twitter followers)
Carbone’s
direct network of
insurance executives
Visibility towards hundreds of thousand readers of the
insurance medias featuring Observatory’s contents
Global
insurance executives
Observatory members and their executives have a unique visibility
within the insurance innovation arena

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Some quotes from the Observatory participants
It gives telematics and IoT an awesome platform for collaboration, teaching, and knowledge sharing
The initiative provided though-provoking contents. The deep dive sessions were clear and stimulated
great engagement within the organization
Our journey has been going ‘hand in hand’ with your support and the insightful conversations held
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
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
forward to help us shape our journey
A great support in rationalizing the different opportunities for using IoT data in our business and
defining a roadmap for our business transformation
Relevant opportunity to approach unique contents about connected insurance –
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
work with us. It is also useful to have a constant update on the markets around
the world
Rich information as well as thought provoking analysis and perspective. An
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
Insurer
Insurer
Reinsurer
Insurer
Insurer
Insurer
IT provider
IoT Insurtech
startup
Insurer

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Contacts
Matteo.carbone@iotinsobs.com
+39 (334) 622- 0378
+1 (929) 309-6026
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
in the fintech community by Onalytica, Top 20 Influencer in Geoinsurance by Conirium)
www.IoTinsObs.com

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