Unforeseen losses cost billions annually, HiPer it! provides Prevention-as-a-Service to minimise them. It enables insurers to move beyond traditional risk models by leveraging real-time, high-frequency building operations data collection and analysis to predict and prevent failures before they become claims.
Minimise equipment failures, and water damage by identifying early-warning anomalies in building systems.
Replace static actuarial tables with real-time "digital twins" of insured assets. Price risk based on actual equipment health and maintenance compliance.
Offer Prevention-as-a-Service and reward proactive clients with lower premiums while providing them with tools to avoid business interruption.
Lower operating costs by up to 30% and improve energy efficiency by up to 20%, creating a more sustainable and profitable portfolio.
Tracking vibration and behaviour patterns in critical machinery.
Detecting leaks or pressure changes in plumbing.
Analysing consumption patterns to detect "energy leaks".
Real-time temperature monitoring for cold storage or pharmacy.
High-Frequency Data CollectionUnlike standard BMS systems, HiPerWare captures data at a frequency that reveals hidden problems - from subtle motor vibrations to changes in systems operation patterns.
Real-Time Anomaly Detection Our AI analyses operational patterns 24/7, flagging deviations that signal future problems.
Digital Asset Footprint Create a long-term digital history of technical systems, providing indisputable data for claims triage and fraud prevention.
ESG & Compliance Reporting Seamlessly track energy consumption and CO2 emissions, helping insurers and clients meet increasingly strict green mandates.
Process Data can reconstruct damage timelines, proving exactly when a leak or electrical surge occurred to speed up settlements.
Insurers can use digital trails to verify if a policyholder acted on a "pre-failure" alert. Proving proactive maintenance can be the difference between a full payout and a denied claim.
By comparing real-world sensor data against a "digital twin" simulation, adjusters can determine if a reported incident is statistically consistent with the actual damage.
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Transform Insurance into Prevention-as-a-Service
Prevention-as-a-Service is a shift from the traditional "repair and replace" model to a "predict and prevent" model. Instead of only paying out after a damage, the insurer provides the policyholder with technology to analyse and control risks in real-time. This creates a continuous service relationship that reduces claims while adding value to the policy.
Business interruption claims are often more expensive than physical damage itself. HiPerWare monitors the operation of critical systems (like HVAC, pumps, boilers). By predicting failure in advance, maintenance and repairs can be scheduled during off-hours, ensuring the business stays operational and eliminating the need for a business interruption payout.
Policyholders transition from being "covered for a loss" to "avoiding the loss entirely." Benefits include:
- Zero Downtime: Identifying a failing pump or HVAC unit before it shuts down operations.
- Lower Premiums: Direct financial rewards for maintaining a "healthy" facility.
- Extended Asset Life: Equipment lasts longer when maintained based on actual condition rather than a generic schedule.
- Source for Optimisation Measures: Provides policyholders with a transparent view of their business operations.
Prevention as a Service is a proactive approach that helps insurers and warehouse operators reduce risk before incidents occur. It combines data analysis and optimisation insights, processes monitoring, and analytics to identify potential issues, such as equipment failures, excessive energy consumption, or water damage in real time. For policyholders, this means improved safety, fewer disruptions, and potentially lower insurance price. For insurers, it leads to better risk visibility, reduced losses, and stronger client relationships through ongoing value beyond traditional coverage.
A: The service integrates technologies like IoT sensors, big data analytics, and continuous monitoring of warehouse systems conditions. It can track factors such as temperature, vibration, energy consumption, etc., helping warehouse operators prevent incidents like outages, spoilage, or operational downtime before they happen.
