Abstract: A system comprising an application server configured to communicate with a client application of a client device that presents an interface for purchasing an insurance policy, the interface comprising a graphical representation including: a carousel for selecting one of a plurality of risk groups, an amount of coverage, and a coverage term on an hourly, daily, or monthly duration, wherein the plurality of risk groups include classes of occupational activities to be covered in the insurance policy. The application server comprises a quoting service component configured to receive a selection of risk group, amount of coverage, and coverage term from the interface, and generate quote data using a concentration ratio of an annual exposure based on the selected risk group, amount of coverage, and the coverage term.

Abstract: A system for analyzing risk for operating drones, the system comprising a mobile device comprising program code that when executed by a programmable processor causes the mobile device to determine a location of a user of the mobile device by accessing a location tracking system, transmit the location to a server, receive, from the server, geospatial data and temporal data for a surrounding area of the location, calculate risks of operating a drone for a duration of time in a given coverage area within the surrounding area using at least the geospatial data and temporal data, generate a quote for an insurance policy for operating the drone for the duration of time in the given coverage area based on the calculated risks, facilitate a purchase of the insurance policy with the server, and generate a timer for the duration of time for operating the drone in the given coverage area.

Abstract: A system for analyzing risk for operating drones, the system comprising a mobile device comprising program code that when executed by a programmable processor causes the mobile device to determine a location of a user of the mobile device by accessing a location tracking system, transmit the location to a server, receive, from the server, geospatial data and temporal data for a surrounding area of the location, calculate risks of operating a drone for a duration of time in a given coverage area within the surrounding area using at least the geospatial data and temporal data, generate a quote for an insurance policy for operating the drone for the duration of time in the given coverage area based on the calculated risks, facilitate a purchase of the insurance policy with the server, and generate a timer for the duration of time for operating the drone in the given coverage area.

Abstract: A system for analyzing risk for operating drones, the system comprising a mobile device comprising program code that when executed by a programmable processor causes the mobile device to determine a location of a user of the mobile device by accessing a location tracking system, transmit the location to a server, receive, from the server, geospatial data and temporal data for a surrounding area of the location, calculate risks of operating a drone for a duration of time in a given coverage area within the surrounding area using at least the geospatial data and temporal data, generate a quote for an insurance policy for operating the drone for the duration of time in the given coverage area based on the calculated risks, facilitate a purchase of the insurance policy with the server, and generate a timer for the duration of time for operating the drone in the given coverage area.