1. IoT Insurance Observatory
2020 Initiative presentation

2. 2
The Observatory
Insurance Companies are adopting Internet of Things, and are exploring
the use cases to build sustainable business cases
The IoT Insurance Observatory is the first insurance think tank specialized
on the insurance IoT:
• Between Europe and North America aggregated about 60 members
Insurers, Reinsurers, and Tech players
• Including:
o 4 of the top 5 Global Reinsurers
o 6 of the top 15 US P&C Insurance Groups
o 4 of the top 15 European P&C Insurance Groups
o 4 of the top 15 European Life 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 scope of the Observatory is the Insurance IoT

5. 5
Our goal is to help 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:
o Customer experience
o Risk selection
o Prevention and mitigation
o Claims management
o Behavioral change
o Selling services
o Pricing
o New sales approaches
o Cross and up-selling
o New approaches to insure current
risks
o New risks
o Positive externalities to the society
 Deep dive on leadership capabilities
(international success stories, pitfalls) :
o Engagement
o Governance
o Usage of IOT as enabler for business
performances
 Aspects for the execution:
o Go to market and partnership
o People, skills, and processes
o IOT architecture
o Data sources and sensors
 Focus on the critical issues and
constraints:
o Compliance and privacy
o Operational risks (security and data
confidentiality)
 Understand the business reasons for adopting
IoT
 Understand the role of leadership capabilities in
the application of IoT technologies to achieve a
strategic advantage
 Identify the different insurance IoT use cases
and their contribution for providing a strategic
advantage to your business
 Identify approaches to build a profitable
insurance IoT program
 Assess the customer readiness for different
value propositions
 Assess your company readiness for the IoT
journey
 Understand 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
What topics will be covered? What learning will be obtained?

6. 6
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 more than 110
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
The think tank membership provides access to
the most globally relevant insurance IoT knowledge
Observer Interpreter Storyteller

7. 7
One-to-one workshops to deep dive all the different use cases

8. 8
2019 plenary symposiums
April 4th , Madison May 7th, Milan
09.00-
09.45
American Family’s
Transformation; Peter
Gunder - American Family
09.45-
11:00
Smart Home roundtable
Andy Kearns - American
Family
David Wechsler - Comcast
Colton Reif - Allstate
Shaun Wilson - American
Family
Steve Anderson - The
Anderson Network
11.00-
11.30
An IoT Data Platform to
Drive Agri-Insurance
Opportunities, Fabio
Ardossi - Data Reply
11.30-
13.00
Cybersecurity: a great
opportunity and a
significant threat for the
insurance industry, Alex
Horvitz- HCS Capital
13.00-
14.30
Internet of Humans
(IoH). What Can We
Learn?, Paul Rivard –
Munich Re, and JP Bewley
- EVO
14.30-
15.15
Evolving Telematics with
AI for Claims and
Contextual Scoring, Ben
Bowne – Cambridge
Mobile Telematics
15.15-
16.00
Telematics and IoT:
Trends, Insuretechs, and
Adoption, Martin Higgins -
Novarica
10.00-
10.30
“The impact of ADAS on
auto insurance, first
evidence of a real impact in
the evolution of motor
pricing”, Ricci - Swiss Re
10.30-
11.00
"Cambridge Mobile
Telematics - Best Practices
for Auto Telematics in the
EU", Ben Bowne -
Cambridge Mobile
Telematics
11.00-
11.30
“Leveraging IOT and
Telematic Data for more
safety and better prediction
of second hand vehicles: a
real case from the Trailer
Industry”, Girardo - Kubris
11.30-
12.00
“Privacy: a new regulatory
horizon in the aftermath of
May 25th
, 2018”, Novellini –
Portolano Cavallo
12.00-
12.30
“The Property Telematics
Journey”, Henry - Roost
12.30-
13.00
“An innovative way to apply
AI and IoT to a workers’
compensation practice”,
Firpo - AgileLab
14.00-
14.45
“Reale Lab 1828: an
operative model for a
concrete innovation”,
Lorenzi – Reale Group
14.45-
15.30
"Customer Engagement in
Connected Insurance,
Mumdziev - Amodo
15.30-
16.00
“IoT-based approaches to
price risks”, Carbone – IoT
Insurance Observatory
September 17th, Milan September 23rd, Vegas
10.00-
11.00
Roundtable Privacy, GDPR
and optimization of IoT
data usage - Liguori,
Portolano; Mariani, Poste
Italiane; Ricci, Swiss Re;
Melpignano, Neosurance
11.00-
11.30
The Modern Use of
Telematics - Claims and
Behavior Change -
Hallauer, Cambridge
Mobile Telematics
11.30-
12.00
Why G-Evolution -
Scarnera, G-Evolution
12.00-
12.20
Phone Use while driving -
A source of distraction that
increases the number of
accidents: how to face it up
- Baudino, Kubris
12.20-
13.00
Increasing customer value
from connected home -
Poll, Neos
14.00-
15.00
Rewards and Risk: Using
Connected Health and
Wearables in Life Insurance
- Bewley (EVŌ)
15.0-
15.40
Going beyond “POC illness”
, a collaborative model to
foster business innovation
– Filangieri, Intesa
Sanpaolo Divisione
Insurance; Ruggerone, R&D
Innovation Center Intesa
Sanpaolo
15.40-
16.00
Salute on demand – data-
based relation between
doctor and patient –
Silvello, Salute on demand
10.30-
11.00
Smart Home Insurance –
Observations from the
Field” - Wechsler, Comcast
11.00-
11.30
“Increasing customer value
from connected home” -
Poll, Neos
11.30-
12.00
– “Commercial and MDUs
Water Damage
Mitigation... a proven IOT
application" - Kritzler,
Likktech
12.00-
13.00
“Auto Insurance
Telematics-based Pricing -
An interactive discussion
about market trends” –
Ross, DRC Group
1400-
14.30
“Applied artificial
intelligence for agri-
insurance” – Ardossi, Data
Reply
14.30-
15.00
“The Modern Use of
Telematics - Claims and
Behavior Change” –
Bowne, Cambridge Mobile
Telematics
15.00-
15.30
“Smart Mobility – Fleet
Telematics Value
Proposition – Lessons
Learned”, Weisgerber,
Munich Re
15.30-
16.00
“Rewards and Risk: Using
Connected Health and
Wearables in Life
Insurance” – Bewley,
EVŌ and Rivard, Munich Re
December 5th, Iselin December 17th, Turin
10.00-
11.00
Think as an insurer,
Innovate like a retailer –
Materozzi, Intesa Sanpaolo
Vita
10.15 -
11.00
Business Transformation
through industrial IOT –
Moser, Munich Re and
Petrikat, Relayr
11.00-
11.25
Italian drivers’ perspective
on distraction and
connected insurance -
Rashid, Cambridge Mobile
Telematics
11.25-
11.50
Driving intelligence across
the customer lifecycle -
Kisvarday, TrueMotion
11.50-
12.40
Competing in a world of
digital ecosystems: how
can insurers react? -
Avramakis, Swiss Re
12.40-
13.00
G-Evolution and IBM JMA –
Scarnera and Romani, G-
Evolution and Cervetto,
IBM
14.00-
14.30
The impact of GDPR on
organizations: adapting
internal processes to the
change in legal landscape -
Novellini, Portolano Cavallo
14.30-
15.00
Biological Age Model and
the technology at support
of continuous underwriting
– Ciabattini, Scor
15.00-
15.30
SPHERE: home insurance
ecosystem - Mesiano,
Perceptolab
15.30-
16.30
Interactive session on the
usage of IoT data in
Commercial Lines, Dabusti
and Carbone
9.15-
10.00
How insurers can leverage
data for customer-centric
approaches – Sankar,
ValueMomentum and
Young, Buckle
10.00
-
10.30
Keeping Customers at the
Center of Connected
Insurance - Jamiel &
D’Amato, CMT
10.30
-
11.00
Motor insurance solutions
for complex markets -
Genovese, Swiss Re
11.00
-
11.30
The impact of Distracted
Driving in telematics scoring
models and best practices
for behavior change -
Phillips, Arity
11.30
-
12.15
Auto Telematics Roundtable
- Genovese, Swiss RE;
Phillips, Arity; Kowal, The
Hartford
13.00
-
13.45
The Future of Work; IoT and
the Proud, Protected, and
Productive Industrial Athlete
- Petterson - StrongArm Tech
13.45
-
14.30
IoT & Life Insurance
Roundtable - Goehrke,
Munich Re; Heafitz,
Prudential; Bowley, EVO;
Benton, Novarica
14.30
-
15.00
Helping Broker’s Embrace
Value-Added Services -
Anderson, The Anderson
Network
15.00
-
15.30
The Smart Home solutions
by customer segment, Skuba
- National Smart Home

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Commercial auto
Property
General liability
Workers’ comp
Employee benefits
Personal auto
Homeowner
Life & Health
Deep dive into the workshop modules
Business lines
Cross-business line topics
Behavioral
change
IoT-based
Pricing
Value added
services
IoT-based
claims
management
Embed IoT in
the
Organization
Intermediary
engagement
Ecosystems Senior living
Personal lines Commercial lines
Agriculture
Retail
Hospitality
Manufacturing
Logistic
Construction

10. 10
Some of the IoT Insurance papers with Observatory contribution
Unveiling the full
potential of telematics
May '16
Swiss Re
Connected Insurance Report
December ‘18
Insurance Nexus &
IoT Insurance Observatory
Smart Home Insurance
April ‘19
American Family Insurance &
IoT Insurance Observatory

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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
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
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
IoT Insurtech startup

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Contacts
Matteo Carbone
Founder and Director of the IoT Insurance Observatory
IIA Global Ambassador
Keynote speaker and writer on insurance innovation
Global InsurTech Influencer (Top 2 InsurTech Influencer by InsurtechNews, Top InsurTech
Influencer by Right Relevance, Top 5 Social Media Influencer on Finanlcial tecnology by Refinitiv, Top 10
InsurTech Influencer and top 4 insurtech influencers in the fintech community by Onalytica, Top 20
Influencer in Geoinsurance by Conirium, Top 25 Disruptors in the Insurance Industry by Vertafore)
Matteo.carbone@iotinsobs.com
+39 (334) 622- 0378
+1 (929) 309-6026