System for improving logistics, tracking and billing for worker's compensation insurance
First Claim
1. A method for measuring risk exposure to a human in an environment, wherein the environment includes multiple areas, the method comprising:
- detecting the presence of the an and tracking an amount of time the human is present in at least one area with at least one sensor; and
using the amount of time to derive a measure of risk exposure to the human.
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Accused Products
Abstract
A system for improving worker'"'"'s compensation programs. Employee presence is detected by using proximity sensors at different places in the workplace. For example, where a company has different workshops, offices, rooms, or other areas, detection of a worker'"'"'s presence in one or more of the areas allows more accurate information to be used to calculate liabilities such as risk of injury. Data about a worker'"'"'s presence, duration of presence, repeated presence, or other characteristics of a worker in an area are sensed and logged by a digital system. The system can store and process the data locally, or the data (or a derivative of the data) can be transferred to other entities for storage, processing, analysis or other purposes. For example, the presence data can be sent to insurance providers for calculation of accurate premiums, risk, payouts, etc.
9 Citations
18 Claims
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1. A method for measuring risk exposure to a human in an environment, wherein the environment includes multiple areas, the method comprising:
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detecting the presence of the an and tracking an amount of time the human is present in at least one area with at least one sensor; and using the amount of time to derive a measure of risk exposure to the human. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 15, 16)
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10. An apparatus for obtaining data to determine an insurance premium, the apparatus comprising:
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at least one sensor for determining the presence of a human in an at least one area; and a processor for receiving a signal from the sensor to indicate the presence of a human, and for tracking an amount of time the human is present in the at least one area, wherein one or more processors receive data derived from the signal to determine, at least in part, an insurance premium.
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11. A method for determining an insurance premium for a worker in an environment, the method comprising:
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defining at least one liability zone within the environment; detecting a worker'"'"'s presence in the at least one liability zone, and tracking an amount of time the worker spends in the at least one liability zone with at least one sensor; and calculating an insurance premium based at least in part on the amount of time the worker spends in the at least one liability zone. - View Dependent Claims (12, 13)
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14. A system for determining a worker'"'"'s compensation insurance premium, wherein a work environment has at least one liability zone, the system comprising:
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at least one sensor to detect a presence of a worker in the at least one liability zone; and a processor for tracking an amount of time the worker is present in the at least one liability zone, based on input from the at least one sensor; wherein the amount of time the worker is present in the at least one liability zone is used at least in part to calculate a worker'"'"'s compensation insurance premium for the worker. - View Dependent Claims (17, 18)
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Specification