Abstract: A risk relationship package data store may contain electronic records, each electronic record representing a risk relationship package between an enterprise and an entity, and including, for each package, an electronic record identifier and an overall attribute value. A computer server may transmit, to a remote device associated with the entity, a set of potential types of risk coverage based on information in an available type of risk coverage data store. The server may then receive an indication of a selected subset of the potential types of risk coverage and, based on the received indication and a pre-determined rule, generate a risk relationship package for the entity using a flexible structure framework. The server may calculate an overall attribute value for the package based on an attribute algorithm (such that at least one reduction to the overall attribute value is applied based on an amount associated with the selected subset).

Abstract: A risk relationship package data store may contain electronic records, each electronic record representing a risk relationship package between an enterprise and an entity, and including, for each package, an electronic record identifier and an overall attribute value. A computer server may transmit, to a remote device associated with the entity, a set of potential types of risk coverage based on information in an available type of risk coverage data store. The server may then receive an indication of a selected subset of the potential types of risk coverage and, based on the received indication and a pre-determined rule, generate a risk relationship package for the entity using a flexible structure framework. The server may calculate an overall attribute value for the package based on an attribute algorithm (such that at least one reduction to the overall attribute value is applied based on an amount associated with the selected subset).

Abstract: A computer server receives, from a remote user device, information about a new potential risk relationship customer (including at least one new user parameter). Based on the new user parameter, the computer server accesses third-party data and utilizes a stored procedure to read data about the new potential risk relationship customer from an internal table of cloud data. The data read from the internal table is processed to dynamically evolve a schema and create an incremental view of cloud data. The computer server uses the incremental view to read and output a current batch of cloud data. A user interface workflow is then customized via a machine learning algorithm that processes the information about the new potential risk relationship customer, the third-party data, and the current batch of cloud data. A user information data store can then be updated based on information collected via user interface displays.

Abstract: A risk relationship package data store may contain electronic records, each electronic record representing a risk relationship package between an enterprise and an entity, and including, for each package, an electronic record identifier and an overall attribute value. A computer server may transmit, to a remote device associated with the entity, a set of potential types of risk coverage based on information in an available type of risk coverage data store. The server may then receive an indication of a selected subset of the potential types of risk coverage and, based on the received indication and a pre-determined rule, generate a risk relationship package for the entity using a flexible structure framework. The server may calculate an overall attribute value for the package based on an attribute algorithm (such that at least one reduction to the overall attribute value is applied based on an amount associated with the selected subset).

Abstract: Apparatus and systems for providing home and building security and condition monitoring include a plurality of devices, including intelligent, multi-sensing, network-connected devices, that communicate dynamically with each other and a remote server.

Abstract: Apparatus and systems for providing home and building security and condition monitoring include a plurality of devices, including intelligent, multi-sensing, network-connected devices, that communicate dynamically with each other and a remote server.

Abstract: According to some embodiments, a first insured party may be automatically associated with first virtual home information including real world elements of a virtual home. The first virtual home information may also be automatically associated with first insurance policy information of the first insured party. A virtual home display request may be received from a remote insured party device associated with the first insured party. Responsive to the received virtual home display request, a rendering of at least a portion of the virtual home may be automatically facilitated based on the first virtual home information, including at least some of the real world elements, and the first insurance policy information. A selection of one of the real world elements may be received from the remote insured party device, and, responsive to the selected real world element, supplemental insurance information may be transmitted to the remote insured party device.

Abstract: Apparatus and systems for providing home and building security and condition monitoring include a plurality of devices, including intelligent, multi-sensing, network-connected devices, that communicate dynamically with each other and a remote server.

Abstract: Apparatus and systems for providing home and building security and condition monitoring include a plurality of devices, including intelligent, multi-sensing, network-connected devices, that communicate dynamically with each other and a remote server.

Abstract: Apparatus and systems for providing home and building security and condition monitoring include a plurality of devices, including intelligent, multi-sensing, network-connected devices, that communicate dynamically with each other and a remote server.

Abstract: Apparatus and systems for providing home and building security and condition monitoring include a plurality of devices, including intelligent, multi-sensing, network-connected devices, that communicate dynamically with each other and a remote server.

Abstract: This invention relates to apparatus and systems for providing home and building security and condition monitoring. More particularly, the invention relates to a plurality of devices, including intelligent, multi-sensing, network-connected devices, that communicate dynamically with each other and a remotes server.

Abstract: This invention relates to apparatus and systems for providing home and building security and condition monitoring. More particularly, the invention relates to a plurality of devices, including intelligent, multi-sensing, network-connected devices, that communicate dynamically with each other and a remotes server.

Abstract: According to some embodiments, a first insured party may be automatically associated with first virtual home information including real world elements of a virtual home. The first virtual home information may also be automatically associated with first insurance policy information of the first insured party. A virtual home display request may be received from a remote insured party device associated with the first insured party. Responsive to the received virtual home display request, a rendering of at least a portion of the virtual home may be automatically facilitated based on the first virtual home information, including at least some of the real world elements, and the first insurance policy information. A selection of one of the real world elements may be received from the remote insured party device, and, responsive to the selected real world element, supplemental insurance information may be transmitted to the remote insured party device.

Abstract: A cash value feature is associated with a property and/or casualty insurance policy. Information is received about an insurance claim associated with the insurance policy. It is determined whether the insurance claim is covered by the cash value feature. The currently funded monetary value of the cash value feature is also determined The amount payable to the policy holder attributable to the cash value feature is also determined A payment of that amount to the policy holder is facilitated.

Abstract: A system includes an insurance component selection platform that transmits data to and receives data from an insurance product component storage unit storing one or more self-descriptive components of an insurance coverage. Each of the stored components may have associated properties defining attributes of the component and one or more values associated with the properties. The components may be selected via a graphical interface generated by the component selection platform to be included in an insurance coverage product. The components may then be combined within constraints of the properties and values of the individual components. An insurance coverage policy may then be presented based on the combination of components.

Abstract: A system includes an insurance component selection platform that transmits data to and receives data from an insurance product component storage unit storing one or more self-descriptive components of an insurance coverage. Each of the stored components may have associated properties defining attributes of the component and one or more values associated with the properties. The components may be selected via a graphical interface generated by the component selection platform to be included in an insurance coverage product. The components may then be combined within constraints of the properties and values of the individual components. An insurance coverage policy may then be presented based on the combination of components.

Abstract: A computer system includes a data storage device. The data storage module receives, stores, and provides access to historical entity data and insurance coverage package data. A recommendation engine comprising program instructions stored in a program memory receives current entity data, creates a current entity representative record based on the received current entity data and historical entity data, creates one or more historical entity representative records for each of a plurality of insurance coverage packages, identifies one of the historical entity representative records based on the current entity representative record, identifies one or more of the plurality of insurance coverage packages based on the identified historical entity representative record, and presents the identified one or more insurance coverage packages when executed by a computer processor.

Abstract: A computer system includes a data storage device. The data storage module receives, stores, and provides access to historical entity data and insurance coverage package data. A recommendation engine comprising program instructions stored in a program memory receives current entity data, creates a current entity representative record based on the received current entity data and historical entity data, creates one or more historical entity representative records for each of a plurality of insurance coverage packages, identifies one of the historical entity representative records based on the current entity representative record, identifies one or more of the plurality of insurance coverage packages based on the identified historical entity representative record, and presents the identified one or more insurance coverage packages when executed by a computer processor.

Abstract: A system includes an insurance component selection platform that transmits data to and receives data from an insurance product component storage unit storing one or more self-descriptive components of an insurance coverage. Each of the stored components may have associated properties defining attributes of the component and one or more values associated with the properties. The components may be selected via a graphical interface generated by the component selection platform to be included in an insurance coverage product. The components may then be combined within constraints of the properties and values of the individual components. An insurance coverage policy may then be presented based on the combination of components.