Hartford Fire Insurance Compnay

Steven P Rippel

Joseph R Carvalko, Jr

G Stewart Murchie

Kelly L Frey

Jonathan Helitzer

Casey Ellen Campbell

Susannah Chen

Anthony J Grosso

Jacqueline LeSage Krause

James T Birchall

John A Hess, Iii

Brad Robert Fresher

Mark Philip Shipman

The invention relates to systems and methods for analyzing data collected from sensors monitoring property. In particular, the systems and methods analyze the data to make property insurance underwriting decisions based on the collected sensor data using a computerized process that varies the way in which it manipulates the collected sensor data based on a characteristic of the property being insured, a characteristic of the entity seeking the insurance, and/or on the value of one or more collected data parameters. The invention also relates to systems and methods of making property insurance pricing decisions based on a similarly dynamic computerized process.

Remote sensor systems

A method for underwriting an insurance policy includes sending an electronic query from an insurance company to a central vehicle operator rating agency. The method further includes receiving at the insurance company an electronic response to the query from the central vehicle operator rating agency. The response includes data maintained by the central vehicle operator rating agency with respect to a vehicle operator. The data reflects a vehicle operating record of the vehicle operator. The vehicle operating record is a collation of data concerning vehicle operation activities of the vehicle operator over a period of at least two years. The method further includes routing the received data to an underwriter in the insurance company. The underwriter determines whether to issue or renew or adjust an insurance policy that covers the vehicle operator or an employer of the vehicle operator.

Computerized sysem and method for data acquistion and application of disparate data to two stage bayesian networks to generate centrally maintained portable driving score data

Remote sensor data systems

Systems and methods for analyzing sensor data

Systems and methods for providing dividends to customers are disclosed. The system includes a database for storing data and a business logic processor for determining a dividend to provide to a customer. The stored data includes eligibility criteria for membership in one of a plurality of group dividend plans, data about customers assigned to the plans, and premium payments associated with the customers. The business logic processor receives eligibility data related to a customer's eligibility for assignment to a group dividend plan. The business logic processor uses the received data to identify a dividend group plan that a customer is eligible to join and assigns the customer to the identified plan. Finally, the business logic processor calculates a dividend to provide to the customer based on the assigned plan.

System and method for determining insurance group dividends

System and method for providing group dividends

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Newington, CT, United States of America

Steven P Rippel