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About Hugh Terry & The Digital Insurer

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Arthur D. Little

Arthur D. Little has been at the forefront of innovation since 1886. We are an acknowledged thought leader in linking strategy, innovation and transformation in technology-intensive and converging industries. We enable our clients to build innovation capabilities and transform their organizations. ADL is present in the most important business centers around the world. We are proud to serve most of the Fortune 1000 companies, in addition to other leading firms and public sector organizations. For further information, please visit


Finnovating is a Matching as a service platform that enables X-Techs from all around the word to connect , collaborate and get the funding they need to grow from investors and corporations globally. The Finnovating platform is a space were the key players of the Tech industry can connect together easily and boost global Tech innovations.


Sønr is the world’s most comprehensive source of innovation intelligence. It is a subscription platform used by some of the best known insurance companies globally.

It tracks millions of companies around the world and provides insight on the latest market trends, the startups and scaleups reshaping the industry, and intelligence on how other big insurers are innovating.

Sønr includes a suite of tools designed for teams to better collaborate and connect. From recording meetings to capturing and sharing Notes, to being able to track and share activity across the company using Watchlists and CRM boards.

The platform is backed up by a team of consultants, researchers and analysts who support clients in discovering and creating new business opportunities.

EVRYTHNG’s IoT Smart Products Platform – Smart solutions for insurance companies

In Action Summary

Evrythng is a U.S based IoT platform that gives physical objects an online identity. This facilitates the exchange of data in real-time throughout a product’s lifecycle, thus allowing consumers to control household appliances and personal possessions remotely in addition to enabling insurers to lower loss ratios for home and property insurance lines. Specifically, Evrythng’s P&C insurance solution is built on a network of pre-integrated devices from smart home partners such as Jasco, iHome, Nest and First Alert. The smart home solution – Evrythg’s Insurance Pilot Kit – can be fully customised, allowing insurers to create and test what works best for them, while saving time and money on implementation.

EVRYTHNG delivers the following benefits to insurance companies:

  • Offer smart home solutions that allow consumers to control physical devices remotely.
  • Provides IoT technology under their own brand identity.
  • Provides usage based home property insurance premiums and reduces loss ratios through preventive sensors and alerts.

The central component in the Evrythng IoT architecture is the Active Digital Identity (ADI). These ADIs are programmable software profiles that generate real-time data and capture everything that happens to, or about, a given product.


EVRYTHNG with its offering is transforming physical products to digital, enabling insurers to offer policies that come with a layer of tailored digital services and personalized connections

EVRYTHNG’s P&C Insurance Solution allows consumers to control smart objects remotely and enables insurer the chance to lower loss ratios

Niall Murphy, CEO and Co-founder of EVRYTHNG has encapsulated their philosophy: “In a connected world, connected products can revolutionize the value they can provide. Developing and maintaining bespoke integrations with multiple smart home environments should not be a time-consuming and costly process. EVRYTHNG simplifies this complexity by offering out-of-the-box connectors”.

Ultimately, the ability to monitor and manage appliances and possessions in real time will increase the functionality and lifespan of products whilst lowering the cost of upkeep and replacement. For insurers, the value is clear; preventive cost reduction and self improvement opportunities for the consumers.



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