State-of-the-art tech for disruptive insurance outcomes

An ecosystem of modular capabilities for building digitisation. Sphere unleashes unprecedented insurance and property-management use cases.

plug & play

From tech to Insurance services

White-label solution with the flexibility to integrate only the functionalities you need. Sphere services can be mixed and matched to customise your insurance product.

Discover our tech services

Panoramic Stitching

The entire room in one 360º picture

Room Type Recognition

20+ room types recognised by a picture

Item Recognition

50+ kind of objects, including structural and safety items

Material Recognition

20+ materials recognised

3D Modelling

3D representation of items. Car, furniture and valuables

3D room reconstruction

3D representation of a room including, structural elements and measures

Mobile acquisition

Fast and simple acquisition to digitise environments

Annotation

Smart ontology to better describe items

Chatbot SDK

Risk mitigation and user engagement

Platform as a service

Scalable, cost effective and GDPR compliant

Smart assistant

Revolutionise insurance workflows with a unique CX

Sphere engine

The actuarial and behavioural insurance engine

Our solutions

Choose from our services to create your insurance product

Top line Digital Inventory

Mobile acquisition

3D Modelling

3D room reconstruction

Digital FNOL

Mobile acquisition

Panoramic stitching

Annotation

Item recognition

Chatbot sdk

Risk prevention, Risk mitigation

Mobile acquisition

Panoramic stitching

Annotation

Sphere engine

Roomtype recognition

Item recognition

Material recognition

Chatbot SDK

Your Solution

Do you need a custom solution?

Get in touch

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