Computer systems and computer-implemented methods utilizing sensor-driven dynamically adjustable feedback loops to manage equipment based risk on an asset specific level of energy data usage

Abstract

In some embodiments, the present invention provides for an exemplary inventive system that may include executable program code and a computer processor which, when executing the particular program code, is configured to perform operations of: receiving, for a population of energy consuming physical assets, asset-specific historical data and asset-specific current energy consumption data from utility meter(s), sensor(s), or both; determining, for each respective physical asset category, each respective frequency of breakdowns and each respective average severity of each breakdown; determining, an adjusted breakdown loss value per each physical asset for each respective physical asset category; determining a respective average current energy consumption value per each physical asset for each respective physical asset category; associating each respective energy consuming location to a particular physical asset category; generating, based on usage-based breakdown insurance premium value of the respective energy consuming location, an electronic alert configured to affect the location-specific level of energy usage of the at least one energy consuming physical asset.