Risk Management: Brick by Brick

Real-Time Driving Data: Transforming Insurance with Henry Kowal of Arity


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On the latest episode of Risk Management: Brick by Brick, Jason Reichl sits down with Henry Kowal, Director of Product Management at Arity, a technology company spun out of Allstate in 2016. The conversation, recorded at ITC (InsureTech Connect), explores how Arity is leveraging an unprecedented scale of driving data to revolutionize insurance pricing and risk assessment.

Henry shares insights on how Arity collects and analyzes over 1.3 billion miles of driving data daily, transforming how insurance companies evaluate risk and price policies. Through partnerships with connected cars and consumer apps, Arity is making insurance pricing more equitable by basing it on actual driving behavior rather than traditional proxy measures.

To find out how TrustLayer manages risk so that people can build the physical world around us, head to TrustLayer.io.

Podcast Host: Jason Reichl

Executive Producer: Don Halliwell

Episode Highlights:
  • 00:00 - Intro
  • 00:40 - Arity's background and mission
  • 02:00 - Scale of driving data collection
  • 03:00 - Real-time vs. traditional insurance pricing
  • 04:30 - Data partnerships and sources
  • 05:30 - Credit scores vs. driving behavior
  • 07:30 - Changes in driving behavior analysis
  • 09:40 - Self-selection bias in telematics
  • 11:00 - Territorial pricing innovations
  • 13:15 - Commercial applications potential

Episode Resources:
  • Arity
  • TrustLayer

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Risk Management: Brick by Brick is handcrafted by our friends over at: fame.so

Previous guests include: Seth Hausman of Kraus-Anderson Insurance, Matthew Meyer of The Horton Group, Diana Rich of Foundation Building Materials, Christy McHenry of Suffolk Construction, Mark Rieder of NFP, and Cory Mangum of Primoris Services Corporation. 

Check out the three most downloaded episodes: 

  • Managing Your Risk Portfolio with Seth Hausman
  • Focusing on Specialization with Matthew Meyer
  • Risk Management is Everywhere with Diana Rich

If you are interested in being a guest on Risk Management: Brick by Brick, please complete this form: fame.so/trs-guest
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