Future-proof Property Insurance

Build your own End-to-End digital Property Insurance with our cutting-edge ecosystem. Save costs and make your policyholders happier!

Engage your customers

A powerful mobile app to build a digital environment

A disruptive and unique technology for a 360º view of your home. Completely modular, white-label by design. Plug and Play only the tech services you need.

claim

Claim process made cost effective

Let policyholders report a claim without hassles

Anytime, in seconds. Neither tedious video-calls, nor in-person inspections.

Revolutionary remote claim adjustment

All claim data packed in highly structured format for costless integration and processing.

Compare pre and post claim scene

Sphere collects high-resolution 360° panoramic images of the rooms affected by the claim, for easy comparison with the respective panoramic images acquired during the initial home-digitisation process.

Enabling fast & automatic claim payment

Thanks to our technology and the strategic partnership with Criteria group we enable the almost real-time claim adjustment to settle a claim in minutes.

Risk mitigation

Proactively identify and mitigate risks

Send active notifications to take mitigation actions and reward policyholders.

The sphere index

A trustworthy certificate for home insurance

Keep your policyholders engaged with the proactive Sphere Index engine.

Enabling portfolio segmentation

Portfolio segmentation based on property topology

Completeness of information

Behavioural interaction with Smart Assistant

BUILD ON TOP OF SPHERE

Generate value from your portfolio

Enable added-value services for your customers, your partners, and you.

Upsell products, e.g. safety devices

Enable cross-selling services, like extended warranty on white appliance or 1-tap replacement service, thanks to QR/bar code reader

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The panoramic stitching provides a high-resolution 360º room representation in one browsable image.

To inspect room state for insurance purpose:
- evidence in case of claims: insurer can see the room state before and after the claim
Combined with other Sphere services, the module enables:
- room recognition/environment type
- items identification; e.g. structural, safety-device, risk-related
- material distribution

The image is suitable for annotating components.

Related capabilities

Room type recognition is extremely helpful to build a home digital inventory with minimal user intervention.

Home layout from pictures only
- After the acquisition, policyholders get the room type as a tag in the room list
- No further user interaction required
Home layout is extremely important for insurance pricing
- The portfolio can be analysed and optimised by knowing the number of rooms of the property, and the related room types

Related capabilities

The item recognition service provides users with high-quality identification of objects in a picture.

This feature allows the identification of items, with a specific focus on:
- structural elements; e.g. doors, windows, stairs, balconies, …
- safety devices; e.g. fire extinguisher, smoke detector, sprinklers, motion detectors, …
Each item can be further described with tags:
- Ontologies make information enrichment easy, aided, and substantially effortless
A QR/bar code reader is available to easily get details on appliances.

Related capabilities

Wood, tiles, paper, metal, fabric, leather, foliage, water, carpet, ceramics, and many other materials identified directly from the picture.

For a deeper understanding of image content:
- risk assessment (eg. percentage of flammable materials)
- risk mitigation (eg. we found a carpet too close to the fireplace)
The information is provided both as:
- patches over the image
- area distribution

Related capabilities

A 3D modelling service on your smart device:

car-body insurance coverage
- 3D car-body state analysis immediately before policy subscription
- ask your customers for a fresh 3D scan, and offer them a coverage for 1 day, 1 week, …
- let your customers pay the coverage through the digital wallet
valuables insurance coverage
- get the 3D fingerprint to offer special coverage for prized possessions

Related capabilities

Our 3D room reconstruction module provides a precise house layout, room by room.

Automatic detection of doors and windows, room area and shape, and measures of the entire home (with tolerance <0.1%)
Better insurance quoting and more precise information for claim management
Jointly with panoramic stitching and other detection modules, the module enables full home digitisation with unprecedented quality

Related capabilities

Room digitisation takes on average 30 seconds and its UX has been tested and improved after independent feedback.

Main features:
- Augmented reality to aid users along the process
- Haptic feedback for precise acquisition
- Covering 360º degrees and a wide vertical range to capture flooring and ceiling
The output is a set of sorted high-resolution pictures, used to infer environment state and collect evidence for a claim
Effortless home digitisation for policyholders
Policyholders control their privacy: what portion of a room needs to be digitised and how much information to share
Suitable for indoor and outdoor environments

Related capabilities

The panoramic image is presented with boxes highlighting identified items. Further, this module allows users to manually add new objects, or to amend mislabeled ones.

The annotation UX allows a very user-friendly editing of information:
- Ontology includes pertinent tags to enrich item description
- Amend category predicted by the item-recognition module
Jointly with the Sphere engine, users can be smartly driven in completing missing information
Suitable for indoor and outdoor environments

Related capabilities

Sphere’s chatbot is an intuitive tool for your customers to keep their home properly digitised. It further drives policyholders through a tailored risk mitigation path, and allows them to open a claim in a self-service fashion.

The chatbot is recommended for clients that prefer to go through the digitisation journey with a step by step approach:
- In combination with the acquisition module, it’s possible to build a quick tool to offer a policy quote or to manage a claim
The chatbot can be easily customised to better fit with your value proposition

Related capabilities

The entire backend was designed over the AWS platform, with support from AWS, to be scalable, cost effective, and GDPR compliant.

Genuine micro-service architecture can be effortlessly deployed in any geographical area to assure the highest compliance with data protection and data management standards
- low operation costs
- easy integration with other client systems
The platform is offered as a managed service or it can be deployed and operated by your IT department via Terraform scripts
- A complete online documentation is always available for each module

Related capabilities

The house digitisation, focused and tailored on policyholder profiles, unleashes several business opportunities for property insurers. Claim management, pricing, and risk mitigation become easy and cost effective; with an unprecedented policyholder experience.

The availability of highly structured information revolutionises all traditional services:
- open and submit a claim in less than one minute, anytime; no support needed
- claim operational costs reduced by 65% and time to settle a claim reduced by 85%
- offer customised insurance coverage based on high-resolution policyholder data
- drive your clients in a tailored risk mitigation process to improve your portfolio performance
You can now partner with services providers to:
- offer appliance replacements/repairing services
- offer safety devices pertinent to client’s properties to improve their risk profile
The system has been conceived to minimise end-user actions
Pro-active push notifications -just to confirm intents- and customisable workflows will keep your clients highly engaged and your product unique

Related capabilities

With the Sphere engine, insurance turns valuable information from collected data into business actions

recommendation system:
- supports users to get a complete digitisation of their properties
- keeps users engaged with customised questions to confirm predictions and detect anomalies
- uses user feedback for continuous improvement of AI models
actuarial engine:
- new features to enrich the existent GLM models
- portfolio segmentation
- user risk score, e.g. for policy trading

Related capabilities