IoT is a game changer for many insurance activity. An increasing number of success stories are emerging at a global level. The IoT Insurance Observatory is committed to support a profitable usage of IoT in the Insurance sector

1. 1
The 2024
Observatory
members

2. 2
The annual Observatory editions in figures
hours of one-to-one
workshops over the eight
editions of the
Observatory
plenary symposiums
between North America
and Europe
insurers, including:
5 of the top 6 Reinsurers
11 of the top 15 European Insurers
10 of the top 15 US P&C Insurers
international
publications
tech players and vendors
3180
36
8 53
91
Worked directly with players accounting for more than 90% of global IoT
insurance volumes (number of insurance policies with telematics, smart
home/buildings, industrial IoT, and connected health/life)
annual retention (two-thirds of the
current members participated in 4+
Observatory editions)
+90%

3. 3
The workshop modules
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
Agriculture
Retail
Manufacturing
Construction
Marine
Behavioral
change
Customer
experience,
wrapping services,
and new insurance
opportunities
IoT
architecture
Continuous
Underwriting
IoT-based innovation
journey
(IoT and leadership
capabilities)
Go to
market
Real time risk
mitigation
Ecosystems
ROI
management
Digital twins &
and new
information-
based business
MedMal

4. 4
Four different options for your one-to-one workshops
A strategic discussion on the insurance IoT key trends
covered by the Observatory’s research dedicated to your
executives
A deep-dive on an IoT insurance topic covered by the
Observatory’s research dedicated to a specific function
within your company
A strategic discussion about your IoT insurance offer and
go-to-market with your executives
An operative session with one of your teams working on a
specific IoT program

5. 5
Peer discussions at plenary symposiums LAST SESSIONS
Jan 18th ‘23 NYC
10.30-
11.00
Presentation of Microsoft's
latest IoT Innovations, Jeffries
(Microsoft)
11.00-
11.30
Unorthodox Application of
IoT in Commercial Property
indurance, Meredith (FM
Global)
11.30-
12.00
Moving toward predict and
prevent: merging 1st party
and 3rd party data sources
for improved analytics,
Silverman and DeMarco
(Microsoft)
12.00-
12.30
From Zero to One: Creating
and Implementing Your IoT
Strategy, Ford and Bales
(Notion)
13.30-
14.30
Innovation Roundtable: Pick
(Tokio Marine), Sardinha
(Travelers), Lim (USAA), and
Briggs (Swiss Re). Moderated
by Jones (HSCM Ventures)
14.30-
15.00
What Does It Take To Be The
Most Customer-Centric
Insurance Company in The
World?, Millard (Vitality)
15.15-
15.45
Combining OEM and
smartphone data to enhance
and create new propositions -
Cook (The Floow)
15.45-
16.15
The new wave of telematics,
the future is here, Kowal
(Arity)
16.15-
16.45
Every Second Matters®:
Reducing Distracted Driving,
Mezerewski (Travelers) and
Morse (CMT)
Jan 25th ‘23 Milan
10.30-
11.00
Digital Agriculture:
buzzword or game
changer?, Brini (Digital
Agriculture Works)
11.00
-
11.30
Artificial Intelligence
Insurance Use Cases,
Melpignano
(Neosperience)
11.30-
12.00
Driving Change: The
Surprising Power of
Incentives in Promoting
Safer and Cleaner Fleet
Operations, Miraglia (Keet)
12.20-
12.50
What policyholders think
of telematics - evidence
from a joint IoT
Observatory - Swiss Re
survey, Genovese (Swiss
Re)
12.50-
13.45
Roundtable on the usage
of OEM data in the auto
insurance sector:
Kuryłowicz (Warta), Serra
(Generali), Lassa (Scor),
and Monteforte (The
Floow)
14.30-
15.00
Unorthodox Application of
IoT in Commercial
Property Insurance,
Meredith (FM Global)
15.00-
15.30
How IoT helps FloodFlash
settle property flood
claims in under four hours,
Rimmer (FloodFlash)
15.30-
16.00
From Zero to One:
Creating and
Implementing Your IoT
Strategy, Bales (Notion)
Click
to view
Click
to view
May 1st ‘23 Hartford
12.15-
12.30
The opportunity to provide
telematics services to all the
policyholders in your portfolio,
Carbone (IoTinsObs)
12.30-
13.00
Pay for 'What' you Drive.
Innovations in vehicle risk,
Briggs (Swiss Re)
13.00-
13.30
Big Brother: A Carrier’s Journey
in Telematics, Smart (Philadel-
phia Insurance Companies)
13.30-
14.00
Assessing and monitoring risks
of your moving assets, Klimczak
(Axa XL)
14.00-
14.30
What Scalable Home IoT
Programs Must Have in Com-
mon, Marshall (Whisker Labs)
14.30-
15.00
The Future Policyholder
Journey: How to Optimize for
Risk and Customer Experience,
Bales (Pepper)
15.30-
16.00
How IoT helped pay claims in
under four hours, Rimmer
(FloodFlash)
16.00-
16.30
FM Approved, IoT-enabled loss
prevention at client locations,
Meredith (FM Global)
16.30-
17.15
Roundtable about risk
prevention in commercial lines:
Erdman (Azuga), Bond (Great
American), Villena (Hanover),
Turner (The Hartford)
17.15-
17.45
Transformation of risk - past,
present, future, Hui (HSB)
17.45-
18.15
Managing an IoT Innovation
Portfolio from Ideas to Scaling,
Campany (The Hartford)
May 9th ‘23 Zurich
11.30
-
12.00
Making China's commercial
truck insurance profitable
through AI - Zhuang (Swiss
Re)
12.00
-
12.30
Is preventive and
behavioural insurance
positively influencing
people’s lifestyle? -
Mironici (Generali)
12.30
-
13.00
The impacts a Health &
Enga-gement program has
on life insurers - Faustini
(Swiss Re)
13.45
-
14.30
Roundtable about
behavioral change: Mironici
(Generali), Faustini (Swiss
Re), Wang (Optimity)
14.30
-
15.00
Going beyond Safety with
Insurance Telematics -
Mumdziev (CMT)
15.00
-
15.30
Flock: how telemetry data
can enable and incentivise
safer fleets - Smith (Flock)
15.45
-
16.15
Relyens journey from
insurer to risk manager –
Antier (Relyens)
16.15
-
16.45
Save lives, cut costs. The
power of digital driver
coaching for internal
logistics operations - Bulcke
(Rombit)
16.45
-
17.30
Roundtable about cyber
risks of the connected cars:
Bannon (ALD), Seara
(DeNexus), Shlisel
(GuardKnox Cyber
Technologies),moderator:
Bourdonnec (ALD)
Click
to view
Click
to view
October 19th ‘23 Milan
10.00-
10.30
Be there on your drivers’
worst day – Mumdziev
(CMT)
10.30-
11.00
Digital evolution and
innovation in the insurance
industry – Felician
(BeRebel)
11.00-
11.30
The arrival of Cars with
Google built-in, an oppor-
tunity or a threat? – Skovly
( Fremtind Service AS)
11.50-
12.20
SaraConMe APP - a mobility
ecosystem in your hands –
Scanga (Sara Assicurazioni)
12.20-
12.50
Unlocking the Power of
Operating Room Data:
Mitigating risks while en-
hancing Patient Outcomes”
– von Siemens (Caresyntax)
12.50-
13.20
HDI TH!NX – the IoT jour-
ney of an industrial insurer
– Brenner (HDI TH!NX)
14.20-
14.50
Targa Telematics and
Viasat: a global player in
telematics connectivity for
Insurance - De Mattia
(Targa Telematics)
14.50
-15.20
The carrot and the stick:
engaging business drivers
to change their behaviour
with telematics – Sauders
(Brightmile)
15.20-
15.50
Protection meets
prevention: how
technology empowers
agriculture - De Ferrari
(REVO Insurance) and
Menghi (Neosurance)
Click
to view
October 31st ‘23 Vegas
9.00-
9.30
Roads Reimagined: The synergy
of shared value insurance and
behavioural change - Cogil
(Discovery Insure)
9.30-
10.30
Roundtable on frontline
employee engagement in risk
prevention – Panelists: Wallace
(HDVI), Hall (Axa XL), Millard
(Vitality Global), Bulcke (Rombit),
Briggs (Azuga)
10.30-
11.00
IoT-Enabled Onsite Risk
Assessment for Commercial
Property Insurance - Chatterjee
(FM Global)
11.15-
11.45
The Three Essentials of Telema-
tics: How Arity can help create
success beyond a participation
discount - Levinson (Arity)
11.45-
12.15
Advancing the Smart Home
Journey - State Farm Innovation
Group - Kirkpatrick (State Farm)
12.15-
13.15
Smart home insurance
roundtable - Panelists: Teets
(Nationwide), Frechette
(Travelers), Willis (Pure), DeVito
(HSB); Moderator: Marshall
(Whisker Labs)
14.00-
14.30
OEM Connected Car for
Commercial Insurance Telematics
Update - Good and Bad - Erdman
(Azuga)
14.30
-15.00
An overnight improvement of
80%: Digital Driver Coaching in
commercial lines” - Bulcke
(Rombit)
15.30-
16.00
Auto Telematics: A Necessary
Capability To Address The Future
Market Trends” – Jamiel (CMT)
Click
to view

6. 6
Peer discussions at plenary symposiums LAST SESSIONS

7. 7
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
How Insurers Benefit
From Partnering with
Health-Tech Companies
For Improving
Outcomes and
Reducing Malpractice
Claims
Feb ‘24
Caresyntax

8. 8
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
Making More
Connections
November ’23
Carrier Management

9. 9
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 2 of
the top five European insurers, 5 of the top ten US P&C
insurers, 2 of the top three Japanese insurers, the largest
Australian insure, one of the top two Brasilian insurers,
and 4 of the top six global reinsurers)
Direct access to tens of thousands of global executives
involved with insurance innovation (42K 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

10. 10

11. 11
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

12. 12
The Observatory mission is to promote a profitable IoT adoption
Insurance IoT Observatory is a eight-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
Knowledge
Development
Insurance IoT
Wisdom
sharing
Constant
Scouting

13. 13
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 10 InsurTech
Influencer and top 4 insurtech influencers in the fintech community by Onalytica)
www.IoTinsObs.com