1. Initiative presentation
IoT Insurance Observatory

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 North American Observatory started the activity on March 2017
and have already aggregated more than 20 members
- The European Observatory (third edition) aggregated more than 30
members Insurers, Reinsurers, and Tech players
• 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 most pragmatic
multiclient research
specialized in
insurance IoT domain
One-to-one workshops
dedicated to each
member to discuss the
research outcomes
Plenary symposiums
with all the members
together around the
same table
The think tank membership provides access to
the most globally relevant insurance IoT knowledge

5. 5
The last plenary symposiums
10-10.30 Smartphone-Centric Telematics Solutions, Dennis Frawley - Cambridge Mobile Telematics
10.30-11 Telematics and sharing economy: what benefits for car sharing players and insurers? A. Girardo – Kubris
11-11.30 API Gateways and Digital Ecosystems, Giulio Gaioni – Sysdata
11.30-12 Technology as key enabler for new insurance value propositions, Alberto Firpo – Agile Lab
12 -13 The Munich Re experience with IoT, fireside chat with Andreas Moser - Munich Re
14-14.45 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 New IoT insurance products & privacy by design, Laura Liguori - Portolano Cavallo
January 18th, Toronto
9-9.45 am The customer point of
view on connected
home insurance - first
evidence from the field
research - Matteo
Carbone
9.45-10.30 am Smart Homes and IoT
Cyber Risks - Riccardo
Ricci, Swiss Re
10.30-12 am Interactive session -
working tables on the
value creation
opportunity through
more accurate pricing
based on IoT data
12-1 pm Insurance, Innovation,
and IoT - Matthew
Josefowicz, Novarica
2-2.30 pm Launching the next
NAIC study: Internet of
Things and Insurance -
Dimitris Karapiperis,
NAIC
2.30-3.15 pm The Future of
insurance telematics in
a world of car sharing
and autonomous
vehicle - Cletus Nunes,
Octo
3.15-3.45 pm Changing the game of
Worker safety - Jim
McDade, Aware360
June 28th, Milan
10-10.30 The age of the AI first insurer - A concrete IoT home insurance approach, Pierluigi Fasano – Swiss Re
10.30-11 The innovation of the auto telematics services, Alessandra Girardo - Kubris
11-11.45 Auto telematics – A deep dive on the “Regolamento sconti black box”, Riccardo Cesari - IVASS
11.45-13 Demystifying the pricing IoT-based, Interactive Workshop
14-15.15 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
April 28th, Milan
9.00-10.00 InsurTech Disruption = (Big Data + IoT) AI with a case study for Workers Compensation – P. Pasricha, Intellect SEEC
10.00-10.30 How to exploit the value of the IoT data – Raj Samanthapudi, Value Momentum
10.30-11.00 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
May 15th, Cincinnati

6. 6
The scope of the Observatory is the Insurance IoT
Objectives
Scouting and rationalizing
qualitative/quantitative
knowledge of Insurance IoT
Sharing a critical point of view
on key trends and spreading
innovation culture
Encouraging stakeholders to
discuss experiences and to
exchange ideas about
innovation
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
Health
and life
Industrial risks and
workers’ comp
Motor Home and
commercial property

7. 7
Our goal is to help members to address the
insurance IoT opportunity
IoT improves insurance profit & loss and
allows insurers to share part of this value
with the customer in order to increase
product adoption
It enhances proximity and interaction
frequency with the customer while creating
new customer experience, increasing
retention and expanding relationships
IoT approaches create and consolidate
knowledge about risks and the customer
base which will lead to the next
generation of products and services
Interaction
frequency
Value
creation
Knowledge
creation
2
1
3
Insurance IoT enables a new virtuous
role by providing positive externalities for
a sustainable society
Sustainability4

8. 8
We cover all the main insurance business lines

9. 9
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

10. 10
The Observatory provide a constant update on the
Insurance IoT innovations to the participants
1. Collection of evidences concerning insurance IoT approaches at a global level
2. Research on consumer expectation and on distribution of connected insurance
products in the international markets
3.Best practices analysis with market benchmarks and international innovation scouting
4. 3 Annual plenary sessions (collegial events) in order to share with Observatory's
Stakeholders ideas and experiences on insurance IoT
5. 1to1 deep dive meetings (workshops) with each Insurance Company to present and
discuss the Observatory's research

11. 11
Some quotes from the Observatory participants
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
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
The initiative provided though-provoking contents. The deep dive sessions were clear and stimulated great
engagement within the organization
Insurer
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
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
Relevant initiative on the sector, strong attendance and very innovative for structure and contents discussed
IT provider
Unique perspective of the various Insurance IoT use cases around the world. Really helpful the deep dive
tailored on our needs.
Insurer

12. 12
Contacts
Matteo Carbone
Founder and Director of the IoT Insurance Observatory
Keynote speaker and writer on insurance innovation
Global InsurTech Influencer (Top 3 InsurTech Influencer by InsurtechNews, Top 3
InsurTech Influencer by Right Relevance, Top 10 InsurTech Influencer 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