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The Start-Up Revolution

 

The insurance business model comes in several forms, but it has been unchanged for years. From highly commoditized personal lines policies such as those in home and auto, to complex risks such as marine cargo, insurers are becoming edgy - who are all these start-up guys, and what are they doing?

New companies are coming out of the woodwork daily. In 2016, 173 startups were funded by venture capital investors to the tune of $1.7B.

The interesting thing is much of the technology start-ups are using to disrupt the industry have been there for years. The carriers and brokers had them in their hands first, but they could not bring the innovation needed to break the cycle.

2017 will be an active year.

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