The IoT Insurance Observatory is an initiative aimed at leveraging Internet of Things data for innovation in the insurance industry, featuring over 50 member organizations across Europe and North America. It provides access to specialized research, workshops, and symposiums that address various insurance business lines and the impact of IoT on customer relationships and risk management. The observatory focuses on improving insurance practices through data insights, fostering collaboration, and exploring new product opportunities.

1. 2019 Initiative presentation
IoT Insurance Observatory
CONFIDENTIAL

2. 2
The Observatory
Data provided by the Internet of Things represent an extraordinary
opportunity for Insurance Companies and intermediaries
The IoT Insurance Observatory is the first insurance think tank specialized
on the insurance IoT:
• The European Observatory aggregated more than 30 members
Insurers, Reinsurers, and Tech players
• The North American Observatory have already aggregated more than
20 members, including 7 of the top 15 P&C US Insurance Groups
Insurance IoT Observatory is about connecting people and ideas in order
to spread the innovation culture over the insurance market with three
concrete outcomes:
• A global multiclient research
• Three workshops delivered to each member
• Plenary symposiums

3. 3
The current Observatory members

4. 4
The think tank membership provides access to
the most globally relevant insurance IoT knowledge
The most pragmatic
multiclient research
specialized in the insurance
IoT domain based on a
constant observation on the
usage of sensors in different
insurance business lines
around the globe
We interpret best practices
and pitfalls for the members
leveraging an experience
built advising almost 100
different organizations in
more than 15 countries on
IoT insurance project
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 Storyteller

5. 5
The last plenary symposiums
June 28th, MilanApril 28th, Milan May 15th, Cincinnati October 1st, Vegas
10:00-10.30 The age of the AI first
insurer - A concrete IoT
home insurance
approach, Pierluigi
Fasano – Swiss Re
10.30-11:00 The innovation of the
auto telematics
services, Alessandra
Girardo - Kubris
11:00-11.45 Auto telematics – A
deep dive on the
“Regolamento sconti
black box”, Riccardo
Cesari - IVASS
11.45-13:00 Demystifying the pricing
IoT-based, Interactive
Workshop
14:00-15.15 Roundtable – Connected
health insurance
opportunities and
challenges
• Matteo Cattaneo,
Reale Group
• Tilde Bove,
Groupama
• Bernardo Rocco,
Salute On Demand
• Andrea Silvello,
Digital Tech
15.15-16 IoT data and customer
profiling in the age of
GDPR, Laura Liguori,
Portolano Cavallo
9.00-10.00 InsurTech Disruption =
(Big Data + IoT) AI
with
a case study for Workers
Compensation – P.
Pasricha, Intellect SEEC
10.00-11.00 IoT data to make
intermediaries great
again – Steve Anderson,
The Anderson Network
& Matteo Carbone
11.00-12.00 The American Modern’s
experience on smart
home - Sudheendra
Galgali, American
Modern Insurance
Group
13.00-13.45 Smart Mobility Program
and LossDetect™ tool –
Mike Scrudato,
Munich Re
13.45-14.30 How to move form
interesting IoT data to
actionable data with real
examples – Nick Leimer,
Microsoft
14.30-15.00 IoT trends and maturity
models – Chuck Ruzicka,
Novarica
15.00-15.20 Make on demand
insurance through IoT
and contextual data –
Matteo Carbone
10:00-10.30 Smartphone-Centric
Telematics Solutions,
Dennis Frawley -
Cambridge Mobile
Telematics
10.30-11.00 Telematics and sharing
economy: what benefits
for car sharing players
and insurers? A. Girardo
– Kubris
11.00-11.30 API Gateways and
Digital Ecosystems,
Giulio Gaioni – Sysdata
11.30-12:00 Technology as key
enabler for new
insurance value
propositions, Alberto
Firpo – Agile Lab
12:00 -13:00 The Munich Re
experience with IoT,
fireside chat with
Andreas Moser –
Munich Re
14:00-14.45 Wearables and the
power to change the life
insurance proposition,
Luc Oudinot - SCOR
14.45-15.30 A shared value
approach to telematics,
Yehuda Hockman -
Discovery Insure
15.30-16:00 New IoT insurance
products & privacy by
design, Laura Liguori -
Portolano Cavallo
9.30-10.30 “A Shared Value
approach to motor
insurance with telematics
as the enabler” – Zaheer
Alli, Discovery Insure
10.30-11.15 “From Design to
Production: Putting
together Data & IoT
technologies to build
successful value cases” -
Fabio Ardossi, Replay
11.15-12.00 “From Connected Homes
to Safe Homes, seizing
the insurer’s
opportunity” – Cecilia
Seviliano, Swiss Re
12.00-12.30 “Using Behavioral Science
and AI to fill the
insurance protection
gap” - John Murray,
Neosurance
13.30-14.30 “The Life Insurance
Industry and Insuretech
are dating…now what?” -
Paul Rivard, Munich Re;
JP Bewley Evo; Jared
Carlson, Assurity
14.30-15.15 “Simplifying IoT
implementations – taking
insurers’ headache away”
– Atanu Sarkar,
ValueMomentum
15.15-16.00 “IoT Ecosystem is driving
change” – Nicholas
Leimer, Microsoft
November 30th, Chicago December 10th, Milan
08.00-08.20 “Pricing IoT based”,
Carbone – IoT Insurance
Observatory
08.20-09:00 “Deep dive on auto
telematics pricing
approaches”, Ross - DRC
Group
09.00-09.40 “Presence of insurers in
the connected life of the
customers”, Carbone –
IoT Insurance
Observatory - and Sarkar
- ValueMomentum
09.40-10.20 “Insurance opportunities
on the IoT Ecosystems”,
Leimer - Microsoft
10.20-10.50 “Workers Compensation
Business and Technology
Trends and the Impact of
Emerging Tech”, Gomez -
Novarica
10.50-11.30 “The usage of IoT data to
reinvent workers’
compensation business”,
Firpo - Agile Lab
11.30-12.00 “Connected Services
@Home: A real
experience from the
market”, Ardossi - Reply
13.00-13.20 “Investing in Insurance
IoT”, Horoviz - HCS
Capital
13.20-14.30 “Life insurance and
wearables: concrete
experiences”, Bewley
and Cabral - Evo
10.00-11.00 Privacy, GDPR and
compliance roundtable,
Liguori – Portolano,
D’Alfonso – Sara
Assicurazioni, Franzoni –
Allianz Worldwide Par-
ners, Cervino -
Groupama
11.00-11.30 3rd Generation
telematics solutions from
CMT, Bowne - CMT
11.30-12.00 How AI can facilitate
automate damage
estimation and bring
efficiency in the Claim
Management Process: a
real project’, Girardo –
Kubris
12.00-12.30 Geodata representation
and Context Information
for the "Smart
Insurance", Nesti – Qmap
12.30-13.00 Smartphone Data and the
Insurance Customer
Lifecycle, Kisvarday -
TrueMotion
14.00-14.30 Service delivery through
smart home insurance,
Mascolo - IMA Assistance
14.30-15.00 Customer Engagement in
Connected Insurance,
Mumdziev – Amodo
15.00-15.30 Mosaic project:
healthcare, wearables
and medical devices,
Procaccini - Maugeri
15.30-15.50 Health Bancassurance
and Insurtech, Surlas –
RGA
15.50-16.00 Wrap-up and
presentation of the 2019
Observatory Edition,
Carbone – IoT Insurance
Observatory

6. 6
The scope of the Observatory is the Insurance IoT
The scope
Any insurance solution based on sensors for collecting data about the state of an insured risk
and telematics for remote transmission and management of the collected data
Some of the
additional focus
for the 2019 edition
Health and life Industrial risks and
workers’ comp
Auto and
motorbike
Home & commercial
property
Extended
warranty
Ecosystems
Intermediary
engagement
Small commercial

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We cover all the main insurance business lines

8. 8
We address four thematic areas
The new challenge of
insurance IoT
The impact of IoT on risk
selection and claims
Customer relations and
engagement
Risks of insurance IoT:
privacy, data ownership,
cyber risk
• Representation of the
Insurance IoT state of
adoption
• Analysis of the challenges
and opportunities, in place
and in perspective, of all the
main business areas
The impact of innovation:
• On selection processes
• On risk-based pricing
approaches
• On loss control processes
The connected insurance can:
• Change the relationship
with customers
• Improve understanding
between contracting parties
by reducing the mutual
information asymmetries
• Provide value-added
services
• Increase loyalty and insured
empowerment in favor of
more aware and responsible
behaviors and lifestyles
Focus on the critical issues,
constraints that the connected
insurance foresees in terms of :
• Compliance
• Information technology
• Operational risks relating to
managing security and
confidentiality of processed
data

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Our goal is to help members to address the insurance IoT opportunity
Value creation
IoT improves insurance
profit & loss and allows
insurers to share part of
this value with the
customer in order to
increase product
adoption
1
Interaction frequency
It enhances proximity and
interaction frequency
with the customer while
creating new customer
experience, increasing
retention and expanding
relationships
2
Knowledge creation
IoT approaches create
and consolidate
knowledge about risks
and the customer base
which will lead to the
next generation of
products and services
3
Sustainability
Insurance IoT enables a
new virtuous role by
providing positive
externalities for a
sustainable society
4

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The Observatory provide a constant update on the Insurance IoT
innovations to the participants
Collection of
evidences
concerning
insurance IoT
approaches at a
global level
Research on
consumer
expectation and on
distribution of
connected
insurance products
in the international
markets
Best practices
analysis with
market
benchmarks and
international
innovation
scouting
Annual plenary
sessions (collegial
events) in order to
share with
Observatory's
Stakeholders ideas
and experiences on
insurance IoT
1to1 deep dive
meetings
(workshops) with
each Insurance
Company to
present and discuss
the Observatory's
research
0503 040201

11. 11
The Observatory created more
value month by month…it is really
useful have a systematic
representation of topics we deal
with daily but we was missing to
rationalize
Insurer
Some quotes from the Observatory participants
The initiative provided though-
provoking contents. The deep dive
sessions were clear and stimulated
great engagement within the
organization
Insurer
It is not about to discover the new
killer application. The Observatory
have continuously delivered top
level contents and provided food
for thoughts, valuable input for our
innovation path.
Insurer
Unique perspective of the various
Insurance IoT use cases around the
world. Really helpful the deep dive
tailored on our needs.
Insurer
Insightful ideas and continuous
opportunities to meet innovative
providers to partner with
Insurer
Great platform for engage and
discuss a wide range of topics and
ideas that will impact all of us in
the insurance industry soon
Reinsurer
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
IT provider
Relevant initiative on the sector,
strong attendance and very
innovative for structure and
contents discussed
IT provider

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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 InsurTech
Influencer by Right Relevance, Top 10 InsurTech Influencer and top 4 insurtech influencers in the fintech
community by Onalytica, Top 5 InsTech Influencer by InstechLondon, Top 25 Disruptors in the Insurance
Industry by Vertafore) Matteo.carbone@iotinsobs.com
+39 (334) 622- 0378
+1 (929) 309-6026