The “Internet of Things” (IoT) is already having an impact on the insurance industry, as more insurers launch pilot projects and experiment with embedded sensors and smart devices that go far beyond telematics.

A recent advisory from the research and advisory firm Novarica provides a snapshot of the current state and near future of IoT, citing recent initiatives from about 20 by insurers, such as Allstate Canada, Hartford Steam Boiler, State Farm and United Services Automobile Association.

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