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The mass of real-time data that IoT can provide us with will give everyone involved in the management and transfer of risk a better handle on the exposures. The mass of real-time data that IoT can provide us with will give everyone involved in the management and transfer of risk a better handle on the exposures. (Photo: Shutterstock)

The Internet of Things (IoT) is transforming the way we live and work. It also can change the way risk is managed and underwritten.

Last year, the number of connected “things” surpassed the number of human beings on the planet. Many of us live in homes with smart devices that monitor our energy consumption or operate our lighting or wear devices that track our health.

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