WebBar 15 - Social enterprise and consumer -inés alegre

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http://www.webbar.es - The monthly Barcelona Meetup about StartUps & Internet Marketing bringing together local experts and international business men.

Business Technologie

Social Enterprises: The Future of Charity? Inés Alegre IESE Business School Universitat Politècnica de Catalunya Inés Alegre [email_address]

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Glovico ,[object Object],[object Object],[object Object],[object Object],[object Object],Inés Alegre [email_address] Tobias Lorenz Germany

Ocells Perduts ,[object Object],[object Object],[object Object],[object Object],Inés Alegre [email_address] Salva Ferran Spain

SE vs. Charity Inés Alegre [email_address] Charity Social Enterprises Financial sources Donations/ Subsidies Revenues Beneficiaries Passive role Active role Timing Short term Long term

Social Enterprises Inés Alegre [email_address]

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Insurance IoT is a social good! Because: 🔵 Expected losses can be reduced structured programs with both real-time mitigation actions to solve a specific situation, and behavioral change mechanisms to promote safer behaviors (both in personal and commercial lines) 🔵 Rate can be matched to risks better: - Smaller and more accurate pricing clusters allow a large part of profiles to receive a lower rate - Even with the ability to price the individual probability of loss (cluster of one) the insurance foundation isn’t canceled (The risk of each policy will contribute to the expected losses of the portfolio; The premiums paid by many lucky policyholders will be used to pay the claims of the few unlucky policyholders who had an accident in a period of coverage) 🔵 IoT data can be used to increase the effectiveness and efficiency of the claim process, so improving the combined ratio ceteris paribus ⏩ Large part of the policyholders will pay less (and portfolios currently difficult to insure will become more insurable) Insurance IoT (and telematics) is not about providing a discount Insurance IoT (and telematics) is about creating economic value using the data and sharing part of this value with policyholders (and agents & brokers) An integrated holistic adoption of the IoT paradigm is a game changer for your insurance business and a social good: ◾ it allows to improve the availability and affordability of insurance coverages ◾while allowing the sector to write a profitable business Below you can enjoy a selection of best practices in both personal and commercial lines - written with some of the IoT Insurance Observatory members - that have already started to obtain results from their IoT business transformation journeys

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