Sensor Technology and Managing Diocesan Risk. Robin Luo and John Stokes, The Hartford Steam Boiler Inspection and Insurance Co.
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1 Sensor Technology and Managing Diocesan Risk Robin Luo and John Stokes, The Hartford Steam Boiler Inspection and Insurance Co.
2 2 Agenda HSB Introduction The Internet of Things (IoT) Religious Institutions: Campus Risks & Sensor Solutions Challenges and Risk Concerns Sensor Solutions Overview Sensor Installations Alerts, Mobile Application, and Platform Case Studies Sensor Program Statistics
3 3 HSB Group Overview 150-year heritage: Commitment to loss prevention, energy efficiency and sustainability Leadership: leading insurer of equipment breakdown in North America Specialist: Capabilities in specialty insurance for risks related to changing technologies in equipment, systems and data security Engineering mindset: Scientific approach and technical knowledge to understand complicated systems, new technologies and emerging risks Customer-centric: Focus on partnering with customers to create high-quality service experience Inventive: Leveraging expertise to anticipate emerging risks and create innovative products and services to manage new risks
4 4 The Internet of Things will revolutionize commercial insurance in different ways Loss Prevention: Reduce loss ratios by alerting customers to potential losses before they occur Product Optimization: Give customers the ability to proactively improve their operational efficiency New Products & Services: Improve insurance coverage development & underwriting; create new products Customer Engagement: Enable new opportunities and touchpoints for engaging insureds
5 5 Religious Institutions: Challenges & Risk Concerns Large campuses with worship facilities, schools, dwellings, athletic facilities, offices, etc. Facility managers can t be present at all buildings 24/7 Cold winter weather presents challenges: frozen pipes, comfort (heating) inside buildings, high energy costs, etc Water damage can be caused by plumbing failures, water intrusion, sump-pump failures, etc. Refrigeration system failures can cause food safety issues and loss of perishable goods Many other risks and concerns
6 6
7 7 Actionable Alerts to Adverse Conditions Image Source: HSB 2017 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.
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11 11 Hardware Testing on Site HSB Headquarters: Hartford CT Vertical Range Testing Battery Duration Determined By Testing Years
12 12 Sensor System Range Testing A single gateway could reach the end of the street and beyond
13 13 Development of Algorithms Research & Concept Development Engineering Analysis Initial algorithm FAILURE DATA Refined Algorithm
14 14 Refrigeration Algorithm New Algorithm Alerts Previous Algorithm Alerts Temperature Refrigerator and Freezer Alert Design Review
15 Energy Savings 15
16 16 Case Study Description of Property: Church Parish Offices & Rectory St. Clement School Reception Hall & Parish Center Clement House House of Hope 2011 The Hartford Steam Boiler Inspection and Insurance Company. All
17 2017 The Hartford Steam Boiler Inspection and Insurance Company. All 17
18 18 Some Sensor Program Statistics More than 5,000 locations installed More than 10,000 alerts issued since 2016 Includes 2,100 critical pipe freeze condition alerts and hundreds water detection alerts During the past several weeks (last week of 2017 and 1st week of 2018) Call center made more than 1,000 critical alert calls to more than 300 unique risk locations Estimated millions of dollars freeze and water losses averted 2017 The Hartford Steam Boiler Inspection and Insurance Company. All
19 19 Outcome: Satisfied Customers Great story! Based on the known loss facts, this would have been a non-covered claim had one been submitted. The benefits offered by these [IoT] tools are completely agnostic to the coverage and benefitted the insured as a result of the immediate notification. Manager, Risk Control I can t possibly be in all the areas all the time. There s peace of mind knowing the sensors are monitoring those places when I can t be there, especially with the recent low temperatures. I don t have to be on premises all the time and visit each location Campus Facility Manager 2017 The Hartford Steam Boiler Inspection and Insurance Company. All
20 Thank You! 20
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