Physical Risk Telemetry for Insurance
Turn cameras and sensors across insured operations into structured, continuous risk data for underwriting, actuarial modelling, portfolio analytics, claims and risk engineering.
Motor insurance has telematics. Physical operations can too.
Vehicle telematics transformed motor insurance by creating continuous data about how, when and where risk occurs. Fogsphere applies the same principle to the physical world — converting cameras and sensors at insured locations into structured risk telemetry.
Claims tell you what happened. Fogsphere shows what risk was present before it happened.
Insurance organisations already hold deep historical information about losses. Fogsphere adds a new class of data: observations of physical exposure, control compliance, unsafe conditions, near misses, security events and changing risk patterns across the insured operation.
Traditional insurance data
Fogsphere physical-risk telemetry
Safety & Liability
Measure the behaviours, conditions and exposures that contribute to worker injury, third-party liability and serious-loss potential.
Property & Security
Create structured data around fire and hot-work conditions, intrusion, theft, access, asset exposure and other physical-loss drivers.
Exposure & Portfolio Intelligence
Normalise observations by activity, time and interaction volume so insurers can compare trends across sites, projects and portfolios.
What an insured operation looks like to Fogsphere
A live risk-data layer on top of the cameras already covering insured sites, projects and operations.
Key insurance use cases
Use cases that become insurance telemetry
Don’t just count events. Measure exposure.
A site with 100 observed events is not automatically riskier than a site with 20. One operation may have significantly more workers, tasks, vehicle movements or operating hours.
Fogsphere can combine observed events with exposure denominators so insurers can analyse rates, compliance and trends — not raw counts alone.
Worker / Plant Proximity
Work at Height
Vehicle Movement
Restricted Access
Five layers of physical-risk data
Event
Open edge · Overspeed · Intrusion · Hot-work anomaly
Exposure
Worker-hours · Vehicle movements · Plant hours · Zone-hours
Control
PPE compliance · Barrier integrity · Restricted-zone compliance
Context
Zone · Shift · Contractor · Project phase · Asset · Timestamp
Trend
Recurrence · Persistence · Rate change · Site comparison
One telemetry layer. Multiple insurance workflows.
Underwriting
Add observed physical-risk factors to submissions, surveys, project data and historical loss information.
Actuarial & Data Science
Correlate normalised telemetry with claims frequency, severity, loss ratios and other portfolio outcomes.
Risk Engineering
Prioritise site visits and specialist attention using continuous evidence between physical assessments.
Portfolio Management
Compare risk factors and trends across locations, projects, contractors, industries and programmes.
Claims
Retrieve time-stamped event context and agreed evidence references to support investigation and chronology.
Product Innovation
Embed Fogsphere telemetry into differentiated insurance programmes for high-hazard physical operations.
Renewal — Bring longitudinal risk-factor data into renewal discussions instead of relying only on a point-in-time site picture.
How Fogsphere works
Fogsphere can use existing camera infrastructure, purpose-deployed cameras and compatible sensors. Vision Agents perform perception and contextual reasoning close to the source, producing structured risk events and telemetry.
Approved data can then be delivered to insurer or insured systems through APIs, webhooks, dashboards or scheduled exports.
Inputs
Fogsphere Vision Agent
Risk Telemetry
Insurance Systems
Share the telemetry — not necessarily the video.
For many deployments, the insurer does not need continuous access to live video.
Fogsphere deployments can be configured so that video is processed and retained according to the insured organisation’s deployment policy while approved telemetry, metrics and evidence references are shared with the insurer.
Edge processing
Reduce the amount of raw video that must leave the insured environment.
Video governance
Insurers can receive approved telemetry without continuous live-video access.
Evidence
Where agreed, events can reference supporting clips, images, timestamps and context.
Privacy-aware workflows
Face blurring, anonymised analytics and configurable retention can be incorporated where appropriate.
One physical-risk telemetry layer across multiple insured industries
Energy & Oil & Gas
Life-saving-rule observations, line of fire, hot work, vehicle movement and security.
Logistics & Warehousing
Forklift/pedestrian interaction, docks, congestion, cargo security and housekeeping.
Data Centres
Construction, commissioning, hot work, equipment staging and restricted energised zones.
Transportation
Airside, quayside and yard interactions, vehicle speed, restricted areas and asset movement.
Commercial Property
Access, intrusion, occupancy, blocked egress, fire/smoke and property-condition signals.
Build real-world risk data into your insurance products.
Turn cameras and sensors across insured physical operations into structured risk telemetry that can connect with your underwriting, actuarial, portfolio, risk-engineering and claims workflows.
Across the financial services estate
Explore our financial services focus areas.
