Driving Insurance Innovation: KINETIC

Driving Insurance Innovation: KINETIC

Laura Drabik

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It is predicted that by 2020 there will be 30 billion Internet of Things (IoT) devices - a 31% year-over-year increase from 2017. The global market value of IoT in 2020? Well, it’s projected to reach $7.1 trillion by 2020.

The most ubiquitous form of IoT is wearable technology and it’s also the focus of this blog.


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KINETIC REFLEX is a smart wearable that vibrates when an employee exhibits high-risk postures. Over time, workers can use REFLEX to improve their biomechanics, resulting in fewer injuries and improved well-being.

Their Value Proposition

A cellular-based diagnostic device plugs into the vehicle’s On-Board Diagnostics (OBD) II port.

KINETIC’s technology, developed by a team of biomechanical engineers, vibrates to alert employees when they are lifting heavy objects incorrectly.


KINETIC’s analytical dashboard also enables managers to assess the risk profiles of their workforce.

The startup claims its wearable technology reduces unsafe postures and injuries in the workplace by up to 84%.

The Opportunity?

Wearables are a non-invasive underwriting source of data. They can gather metrics to assess risk in less time than a full medical exam. They also offer insurers a consumer engagement opportunity, providing customer value beyond insurance protection. And of course, they are a useful tool for preventing and mitigating workers compensation and general liability claims.