Hartford Fire Insurance Compnay

Andrew J Amigo

David F Peak

Michael Gingrave

Richard M Borden

Eugene J Walters

Keven J Busque

Gregory H Berg

Rohit S Bodas

Kevin F Barber

James W Hendry

Phyllis J Keys

Christopher Graham

William H Steinberg

Kevin J Busque

Systems, methods and apparatus for creating, analyzing and updating a property inventory are disclosed which include receiving, from a user operating a mobile device, a request to add a new item of property to an insurance inventory associated with an insurance policy, the request including information identifying the new item, at least a first image of the new item, and information identifying a location of the new item. An insurance inventory system is operated to add the new item to an insurance inventory associated with the insurance policy, the updating including computing a total current value of the insurance inventory including the new item. A coverage engine is operated to compare coverage limits associated with the insurance policy to the total current value of the insurance inventory to determine if the total current value is within a coverage limit of the insurance policy. A response is transmitted to the user based on the determination.

Remote mobile device interacting with multiple remote systems

A vehicle router includes a data storage device storing data indicative of a vehicle loss risk score for geographical locations, one or more application programming interfaces configured to expose some or all of the vehicle loss risk score data to an external mapping service to facilitate route selection based on mapping data from the external mapping service, and a processor configured to receive, via a communication device, trip route data indicative of a set of geographical locations, access the data storage device and output vehicle loss risk score data corresponding to the received set of geographical location; and transmit routing options, determined based on the vehicle loss risk score data, to a display device for display and selection.

Vehicle router

Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user's employer, or a facility providing health care to the user, are generated, to accurately reflect the risks associated with the user, employer, and/or facility. In embodiments, an alert may be generated when a failure to conform with activity guidelines is detected.

Sensor-based systems and methods for evaluating activity

Sensor systems and methods for evaluating activity

Activity evaluation sensor systems and methods

Remote mobile device interactions with multiple remote servers

Pursuant to some embodiments, systems, methods and devices are provided for processing including a mobile device coupled to a biometric sensor, the one mobile device including a medical monitoring application for collection of medical data for an individual from the biometric sensor. A risk assessment computer is configured to receive, from the mobile device, medical data for the individual; collect, from a data storage device storing static data corresponding to the plurality of individuals, static data corresponding to the individual; and update a medical profile corresponding to the individual based on an analysis of the medical data for the individual and the static data corresponding to the individual. The risk assessment computer periodically determines, based on the updated medical profile, a term of a policy corresponding to the individual.

System for mobile device enabled biometric monitoring

Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user's employer, or a facility providing health care to the user, aer generated, to accurately reflect the risks associated with the user, employer, and/or facility. In embodiments, an alert may be generated when a failure to conform with activity guidelines is detected.

Sensor systems and methods for activity evaluation

Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user's employer, or a facility providing health care to the user to accurately reflect the risks associated with the user, employer, and/or facility. In embodiments, an alert may be generated when a failure to conform with activity guidelines is detected.

Sensor systems and methods for sensor-based activity evaluation

A data processing system includes a processor for determining a percentage share to assign a share of relative risk in an insurance pool between an insurer, a first safety vendor and at least one other safety vendor. The processor is further configured to allocate portions of the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors, to aggregate by the insurer loss information related to the insurance pool, and transmit the loss information to the safety vendors. Also, the processor may allocate portions of a claim liability or a received premium associated with the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors.

System and method for telematics data capture and processing

An activity evaluator includes an evaluation module configured to collect human activity data from at least two sensors, which may include a sensor on equipment, a location sensor, an RFID sensor, a physiological sensor, a weight sensor, a chemical sensor, a heat sensor, a pressure sensor and a camera, and analyze the collected data to determine an activity evaluation indicative of an activity safety level. A communications module is configured to communicate at least one of the activity evaluation and the collective activity level-related data to a distinct computer system. The activity evaluation may be employed in providing feedback to an individual.

Workplace activity evaluator

Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user's employer, or a facility providing health care to the user to accurately reflect the risks associated with the user, employer, and/or facility.

Systems and methods for sensor-based activity evaluation

Insurance processing system and method using mobile devices for proof of ownership

Systems and methods are discussed for providing sensor enhanced safety, recovery and activity evaluation systems. Sensors, such as accelerometers, that monitor individual activity-level related data provide data to an activity evaluation module. The activity evaluation module analyzes the received data to determine an activity level associated with the individual. The activity level determination may be employed in providing feedback to an individual.

Systems and methods for determination of individual activity

Pursuant to some embodiments, insurance systems, methods and devices are provided which include a data storage device for storing, updating and providing access to loss risk score data, a computer processor for executing program instructions and for retrieving the loss risk score data from the data storage device, a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor, a geocoding engine comprising program instructions stored in the memory for geocoding historical loss data and a plurality of loss risk factors, a scoring engine comprising program instructions stored in the memory for calculating a loss risk score for each of a plurality of geographical locations based on said historical loss data and said plurality of loss risk factors, and a communication device, coupled to the computer processor, to output loss risk score data based on geographical location.

Growing community of inventors

Gloucester, MA, United States of America

Andrew J Amigo