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Development of new technologies brings new opportunities to all business sectors. The work presented here represents a connection of the ubiquitous computing with the real world business opportunities. We are namely focusing on some changes in the insurance industry. We address the more complex problem of business changes of introducing new insurance products connected with mobile phones, GPS and other technologies development. We suppose new risk model that integrates the net premium calculation with some methods of multivariate analysis. Thus, aim of this work is primary situated to predict some business and risk opportunities from ubiquitous computing and to analyze some important factors for successful implementation.