Telematics & IoT Data

Telematics, IoT sensors, and connected device data are enabling a shift from static, backward-looking underwriting toward continuous, real-time risk monitoring in auto, home, and commercial lines.

Analysis:

Telematics and IoT data for insurance is a massive category. Startups building the data infrastructure to ingest, normalize, and apply IoT data to underwriting and pricing decisions have a huge TAM. The shift from static to continuous risk assessment is fundamental and early.