InsTech - insurance & innovation with Matthew Grant & Robin Merttens

Reaching emission reduction and sustainability goals is becoming more important than ever. Supporting the carbon markets, including through new insurance products, can be a key way of doing this. This week Matthew Grant speaks to InsTech’s own Ali Smedley - Senior Research Analyst and author of “Carbon offsetting: the insurance use case”. To learn more, you can download the report here. Topics include: The difference between a carbon offset and carbon credit Examples of carbon offset projects and their risks What’s happening with carbon insurance at the moment How data and technology companies can support insurers We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Explain carbon offset projects and their risks Describe what is happening in the carbon markets today Identify the difference between a carbon offset and carbon credit If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 256 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey

While supply chains are under increasing pressure, many losses associated with cargo delays go uninsured. If shipments are late, perishable goods are lost, business is interrupted and budgets are overspent. Henry Gale speaks to Yann Barbarroux, CEO and Co-founder at Otonomi about the insurance product the company has built to cover supply chain delays for third-party logistics companies and freight forwarders. Topics include: Getting cargo underwriters at Lloyd’s comfortable with a delay product Three approaches to distribution for new insurance products How the Ever Given ship stuck in the Suez Canal affected supply chains Customer responses to parametric products Otonomi's experience in the Lloyd's Lab We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Explain some of the financial challenges cargo shipment delays cause Describe some of the benefits of creating successful partnerships Identify the key role underwriters have in financial risk If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 255 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey

Technology comes in many forms - some of it is very visible and accessible - but a lot of the important technology is working away out of sight - and usually out of mind. And many of the most successful companies are those that are building out this critical infrastructure. Richard Tyler, Founder and CEO of Phinsys and Eric Butler, Head of Americas and Bermuda join Matthew Grant to discuss why Phinsys was launched. Topics include: How to help insurers understand where they have been, where they are now and where they are going From frustrated business user to successful start-up founder - why these companies succeed Connecting the financial plumbing - the benefits of buy versus build We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe some of the ways of successfully building a business & the challenges that must be overcome Summarise the transition of modern-day insurers Explain the importance of technological infrastructure If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 254 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey

Send offers modular commercial insurance software to insurers, reinsurers and MGAs. The core offering is an underwriting workbench that supports from initial enquiry to bind. It’s a single place for underwriters to access data, documents and decision points. New insurers can use it as a core system, or for more mature companies, it can be bolted onto existing systems, including legacy. Send was founded in 2017 by three insurance veterans. Topics covered include: How to sort through underwriting information that is unstructured and often unwanted How large insurers are able to accelerate the adoption of new technology How ChatGPT is being used to make sense of email Reducing the cost and risk of deployment How to avoid the challenge of making simple things simple but complex things impossible Revealing Send’s strategy of “continuous development” We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe some of the advantages of using ChatGPT as an administration tool Explain the methods used to increase efficiencies when sorting data Summarise the key challenges faced when trying to solve complex issues If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 253 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey

Flood events are increasing around the world, with many losses uncovered by insurance. Whilst parametric solutions can help provide new capacity to insure catastrophic risks and widen access to insurance, parametric flood insurance is not yet as widespread as parametric covers for hurricanes or earthquakes, due in part to data and modelling challenges specific to flood. Henry Gale speaks to Peter Lacovara, Head of Commercial, Floodbase about how the company is working to make parametric flood insurance possible with satellite imagery, machine learning and partnerships with insurers and brokers. Topics include: Peter's experience leading parametric broking in North America at Marsh The types of companies looking for parametric flood insurance Training a machine to find flood water in satellite images What 'fractional flooded area' is and how it can be used as a parametric trigger Floodbase's work with FEMA on the US National Flood Insurance Program (NFIP) We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Explain some of the data & modelling challenges flood insurance encounters Describe how using satellite imagery can provide a solution to flood insurance Identify the key benefits of having different partnerships If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 252 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey

The Florida insurance market has faced numerous challenges in recent years. For insurers to underwrite profitably in Florida, having the right hurricane reinsurance is essential. David Schmid, Head of Parametric Products, Reask and Brian Espie, Chief Underwriting Officer, Kettle, join Henry Gale to discuss the new parametric reinsurance solution Kettle and Reask have created for Florida hurricane risks. Topics include: Why parametric can help insurers buy reinsurance that reflects their own view of risk The advantages of parametric reinsurance over industry loss warranties (ILWs) The data sources Reask uses to calculate hurricane wind speed at different locations How Hurricane Ian's wind patterns were unusual and why it matters We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe some of the ways analysing natural disaster behaviours can help to underwrite Identify different reinsurance options and understand the importance of choosing the correct one Explain why calculating hurricane wind speed is essential If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 251 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey

Matthew Grant is back talking to another co-founder of a successful technology company. Louw Hopley is Co-founder and CEO of Root which is providing technology to support embedded insurance for companies in South Africa, UK and other countries. Topics include: The advantages of building technology for companies in South Africa What an API really is and how it works The emerging use of Generative AI for writing and testing code Finding your business partner If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe some of the advantages geographical locations have when considering where you should build-a-business Explain the pros and cons of using AI across insurance platforms Identify some of the successes partnering with smaller start-up businesses can bring If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 250 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

One of the fundamentals of Insurance is understanding the nature of the risk. What happens when a bookshop adds in a coffee shop - is that riskier? Has this been communicated to the insurer? Does the premium change to reflect that? Matthew Grant is talking to Roger Ferrandis, COO and Co-founder, Wenalyze about how the company is helping insurers identify significant changes in their portfolio. Topics include: How a leading insurer increased annual premium income by repricing its clients' business Building a start-up and surviving two pivots Sources of data around the world Making it easy to integrate into workflows We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Identify some of the different methods used to increase business premiums Explain how to evaluate the level of risk in insurance Summarise how to effectively use data from a global perspective If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 249 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

With all the new technology emerging - and insurers thirsty for knowledge - there’s a growing need for someone to help figure out how to join it all together. Robin Merttens talks to Daren Rudd, VP Consulting - Head of Insurance Business and Technology Consulting, UK at CGI. You’ll hear about Daren’s personal experience and how he and his colleagues are helping insurers engage with new and innovative technology, data and analytics. Topics covered include: The most notable developments in how insurers engage with digital from the last decade Why technology is the new Lego Why we are looking in the wrong place to solve the industry’s data problem Success stories in implementing IOT for insurers Go digital but allow time to dance The book recommendation from this week’s guest Daren is Digital Darwinism: Survival of the Fittest in the Age of Business Disruption by Tom Goodwin. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: List some of the recent technological advancements in the insurance industry Explain how the nature of technology is changing and why our relationships with technology must develop with it Outline a range of examples of successful IOT implementation by insurers If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 248 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

This week we’re back talking to Synergy Cloud - it's about claims - and Matthew Grant is talking to Tom Burroughs, Chief Technology Officer, the intrapreneur within the parent company Claims Consortium Group creating a new product and a new business. We cover a range of topics relevant to anyone building or using software, not just in claims, including: What insurance can learn from the travel industry How to build technology in collaboration with the customer It plugs but does it play? Tips for finding the best integrations tools for your product Designing with your customer’s customer in mind Digital collaboration today in a post-pandemic world To learn more about what you should value when you are developing software, podcast guest Tom recommends the Agile Manifesto. If you enjoyed this episode and want to keep listening, we recommend Episode 166 with Jeremy Hyams, CEO of Claims Consortium Group. We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: List some of the considerations made by product developers when selecting appropriate integration tools Explain the role of the customer in technology development and the importance of effective collaboration Summarise the benefits and limitations of digital collaboration for software providers If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 247 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Reinsurers are often the leaders in innovation - and usually identify earlier trends before they go mainstream. In this episode, Robin Merttens talks to Brian O'Reilly, Head of Innovation and Nicole Van Allen, Associate, to discover what Greenlight Re looks for in its business partners. Topics include: What to look for in founders Why actuaries still have a critical role Where to find the best innovation What the future will look like Examples of companies Greenlight Re has worked with We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe the key attributes of a successful founder Identify the role of an actuary and the significance it has in measuring risk Explain the challenges investing brings to start-up businesses If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 246 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

We’re back talking about life and health for this week’s special edition with Tim Smith and Lisa Balboa from Hannover Re. Robin Merttens leads the discussion. Topics include: The role of a reinsurance company in providing protection for insurers and their clients An update on the use of wearables Making health insurance affordable for many How Hannover Re nurtures innovation We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe the key attributes of reinsurance companies and the significant role they undertake Identify some of the ways technology can help to assess risk levels within health insurance List some of the reasons there are gaps in life and health insurance and what can be done to overcome them If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 245 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Concirrus was founded in 2012 and has evolved to become one of the leaders in supporting marine underwriting through tracking ships and managing data. Today the company is expanding into a platform for multiple risk types and provides analytics into areas including aviation and liability. The goal is to make all underwriters as smart as the smartest underwriter in a company using AI tools. With his fourth appearance on the InsTech podcast and third dedicated interview, Co-founder and CEO Andy Yeoman explains to Matthew Grant the lessons and insights since founding the business. Topics include: Creating “decision optimizations solutions” and what they are How to make technology work better for underwriters What it means to move AI from a point solution to a platform solution Lessons from Silicon Valley to Silicon Roundabout When looking to the future, consider the “but for… Why insurers should study the designed instability of the F-35 fighter jet If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe the different components of an optimisation solution and how to implement each one Identify the key advantages of using a platform system with AI instead of a single-use approach Explain the significance of advanced technology to create underwriting efficiencies If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 244 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

As climate extremes worsen, insurance plays a more important role in helping people recover from disasters. Yet even many of the most exposed people do not buy the coverage they need, while the global protection gap continues to widen as more homes are developed in high-risk areas. In this episode, InsTech's Ali Smedley and Henry Gale talk to Carolyn Kousky, Associate Vice President for Economics and Policy, Environmental Defense Fund and author of 'Understanding Disaster Insurance: New Tools for a More Resilient Future'. The book provides an overview of disaster insurance markets and the role of the public sector, then focuses on how innovations in insurance, such as parametric coverage and community-based catastrophe insurance, can build resilience. Topics include: Encouraging risk reduction and mitigation How to design effective parametric microinsurance products Implementing community-based flood insurance in New York City How insurance can help create a nature-positive economy The roles of the public and private sectors in building disaster resilience Why countries with developed insurance markets still have large protection gaps We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe some of the ways insurance can increase resilience in disaster-prone communities Explain some of the reasons large protection gaps still exist in the insurance market List the key resources required to design microinsurance products successfully If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 243 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Guidewire is known for providing technology to the property, casualty and workers' compensation insurance industry. The company is expanding its analytics capabilities and also has an open ecosystem of partners which offer a variety of hardware, consulting and application services. Matthew Grant is joined by Charles Clarke - Group Vice President, Sales and Advisory and Chris Cooksey - Senior Director, Advanced Analytics. Topics covered include: Overcoming the challenges of interoperability for insurers How to deliver data to underwriters when they need it and where they need it Introducing change one step at a time Opportunities for more industry collaboration The problems Guidewire is solving for its clients You can learn more about Guidewire at our forthcoming event in London on 27 June. Registration details here We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Define interoperability and how to overcome the challenges it poses Describe some of the ways to differentiate the data required by underwriters Explain the importance of strategic planning to successfully change & grow a business If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 242 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

With all the sophisticated models, data and tools available to insurers, it's as important as ever to know where something is. Managing aggregation is vital for successful underwriting and we are going to be seeing a lot more about platforms that bring together different data sources. In this episode Matthew Grant talks to Jacqueline Legrand, Co-founder & CEO, Maptycs. She had a problem - so she built a company to fix it. Topics include: How a problem for insurance brokers inspired the founder of Maptycs Why understanding risk aggregation is so important What risk managers, insurers and others need to know Why getting simplicity right requires complex coding A partnership strategy to deliver data How to build software that is easy and intuitive to use Data quality is important but API quality is essential To learn more about Maptycs, visit their member profile page here. We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Define risk aggregation and the critical role it plays in insurance Explain some of the advantages of having a business strategy, especially between partners Summarise the tools required for successful underwriting If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 241 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Insurance runs on data which has to be moved between counterparties. Insurers, brokers, MGAs and many others still rely on spreadsheets (or worse) to do that, which causes friction and errors. In this episode, Robin Merttens talks to Dave Connors, Founder and CEO of distriBind, about why he set up the company and how they are working with insurers and others to provide a way to move beyond spreadsheets at the pace that suits them best. Topics include: Avoiding million-dollar mistakes through more robust data transfer Why spreadsheets for data transfer doesn’t work Validation and reconciliation Why the industry has found it so difficult to wean itself off spreadsheets Common data standards - does the industry need them? The benefits of being in the Lloyd’s Lab What the future holds We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe some of the negative impacts of transferring data when using dated systems List some of the advantages for businesses evolving into a digital world Identify the key pieces of information required to create maximum efficiency when processing data If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 240 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

We might be buying our personal insurance directly these days, but brokers still play a key role when it comes to all but the simplest of coverage. Costero goes one step further and finds solutions for risks that are unusual, and often hard to place but which are solving some of the world’s insurance protection gaps. Intrigued to learn more? This week Matthew Grant joins Managing Director Jamie Webb and Divisional Director James Gadbury, of Costero Brokers. UK-based - but with global clients. Topics include: The role of a broker for speciality business Why US businesses come to Lloyd’s to find insurance and capacity Supporting hard-to-place risks such as micro-mobility, autonomous vehicles and cryptocurrency Solutions for new companies pushing the boundaries of insurance such as Coincover, Nirvana, Thimble, ChAI and Aurora Partnerships with Atrium, Markel and others How Lloyd’s is helping create a market and opportunity for new solutions We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Identify some of the challenges insuring unusual and riskier events creates Summarise the key differences between an insurer and a broker and understand their roles Describe some of the ways new companies can protect themselves whilst still offering insurance solutions If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 239 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

No technology innovation survives long without a client. Chaucer Group is well known as a successful Lloyd’s insurer and embodies the spirit of Lloyd’s by underwriting unusual and complex business. Matthew Grant is joined by Duncan Gemmel, Chief Strategy Officer, and Hayley Maynard, Head of Innovation, Chaucer Group, for a live recording. Topics covered include: How to engage underwriters in new opportunities Why it pays to go narrow and go deep What Chaucer look for in technology and data offerings The opportunities to provide insurance cover for IVF Treatment, Political Violence, Carbon Offsets and pandemic-related losses Building a business for the future whilst generating results in the short term We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Identify some of the techniques used to successfully onboard underwriters Summarise the different ways applying innovation to a business creates success Describe some of the key benefits to a business when investing in partnerships If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 238 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

The consequences of non-damage business interruption (NDBI), when events like pandemics don't cause physical damage to a business but do result in significant drops in revenue, have been particularly clear since 2020. Small businesses and gig workers are particularly vulnerable to losses of income during events beyond their control, but these losses tend to be uninsured. OTT Risk, an MGA founded during the Covid-19 pandemic, is developing new approaches to underwriting non-damage business interruption insurance. It's now partnered with Apollo ibott Syndicate 1971, at Lloyd's, to offer revenue protection to the users of digital economy platforms. Topics include How the principle of parametric insurance is extending from covering catastrophic events to non-physical losses Examples of how small businesses and gig workers could be affected by future NDBI events How digital economy platforms could offer revenue protection to their users The data sources you need to underwrite NDBI insurance OTT Risk's experience in the Lloyd's Lab We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or leave a post on Linkedin or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe some of the challenges faced by small businesses during non-damage business interruption events (NDBI) Identify the advantages of using digital economy platforms and how they can offer revenue protection Summarise the obstacles underwriters face with NDBI insurance and the tools required to overcome them If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 237 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

With the increasing choices that insurers have of data sources to identify property characteristics, choosing the right level of detail and certainty is essential. This week Matthew travels virtually around the world to talk to Tony Agresta, EVP and General Manager of Nearmap and Dr Michael Bewley VP of AI and Computer Vision. Topics covered include: Achieving 3-D imagery and creating virtual images of property to walk around Differences between aerial imagery from aircraft compared to satellites Working with partners The future opportunities following the Thoma Bravo acquisition We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or leave a post on Linkedin or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe some of the advantages using aerial imagery from aircraft has, as opposed to satellites. Define what makes a partnership compatible and the benefits of collaboration Summarise how to best use data to make it useful to insurers If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 236 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

With so much data now available from above us and around us to help understand properties, how should insurers, governments and others know which is the most reliable to use - and importantly - how to deal with the uncertainty and sometimes conflicting opinions? This week Matthew Grant is talking to Rachel Olney, Founder and CEO of Geosite. Join us to discover: The key problem Geosite is solving for insurers and others How Rachel discovered that insurance offered the biggest opportunity to launch a new business Lessons from working with the US Department of Defense Why does “accuracy” mean different things when identifying building locations depending on the hazard? What are the top three attributes founders need to be successful? We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or leave a post on Linkedin or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: List some of the opportunities the insurance industry presents for start-ups Describe some of the key differences between organisations when it comes to decision-making Identify the different solutions to some of the biggest challenges insurers face If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 235 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

We hear a lot about insurance protection for major catastrophes, but losses from frequent, local events now cause as much damage as the larger disasters that make the news. But insurance coverage is lagging behind leaving insurers and enterprises exposed to loss with no insurance protection. The Demex Group, a spin-out from reinsurer Munich Re is offering parametric cover to fill that insurance gap. This week Matthew Grant and Henry Gale are talking to President & CEO Bill Clark and Chief Risk Officer Matt Coleman, both of whom bring deep industry expertise to Demex. Topics include: Why traditional insurers and reinsurers are reducing their insurance cover for weather risks The impact of climate change on frequency and severity Why brokers are supporting the Demex offering The problem of lack of insurance and the “stub period” Understanding hyper localisation We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or leave a post on Linkedin or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe some of the disadvantages climate change is having on the insurance industry List some of the benefits of small-scale insurance cover Explain how the use of hyper-localisation can increase business efficiency If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 234 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Digital innovation is creating new opportunities to support customers and create efficiencies for claims handling. Oliver McGuinness, CEO of RightIndem, and Tim Rankin, Managing Director of AA Accident Assist, join Robin Merttens to discuss how the two organisations are working together. Talking points include: How RightIndem has evolved since being launched in 2016 with a new founder and new focus The opportunities presented by Electronic First Notification of Loss (EFNOL) Advances in claims for motor and auto The role of "estimatics" We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or leave a post on Linkedin or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Summarise some of the opportunities that digital claims handling can create Describe a range of the key points and considerations in evolving a business Identify how new digital tools such as estimatics can enhance the digital claims experience If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 233 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Oliver Werneyer launched his first business aged 16 and later went on to launch Imburse when he discovered the true cost to insurance companies of collecting premiums and paying claims. Another fascinating story about building a business, identifying opportunities and building confidence with clients. Imburse is the glue and pipeline between insurers, their clients and payment providers. Join Matthew and Oliver as they cover topics including: How to find a problem to solve - then build a business Revealing the true cost of inefficient processes - and fixing them Gaining confidence and credibility with insurance buyers Why the regulator is your friend Why Imburse built its technology in-house The importance of partnerships We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or leave a post on Linkedin or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Explain some of the advantages using in-house technology creates Describe the importance of maintaining processes for business efficiency Identify the significance of building a strong network of partners If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 232 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

We’re covering two main themes here - building a business that survives and thrives after ten years - and assessing the growing risk from a flood. We’ve been working closely with Fathom for many years. In Matthew Grant’s discussion with the co-founders of Fathom, you’ll discover topics such as: The advantages of building a business with close links to a university How increases in the resolution of data and increased computing power have fundamentally changed flood modelling in 10 years Why and when co-founders should bring in an external CEO Why insurers are better at understanding risk than many other industries How to represent uncertainty in decision making River gauges and aerial images - creating credible data sources to plug the information gaps Working with partners such as Reask If you enjoyed this, we recommend Episode 220 for more information about Fathom, Reask and climate assessment. We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or leave a post on Linkedin or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe some of the advances in data and analytics that are enabling the development of global flood models Identify when co-founders should consider bringing in a CEO Summarise how insurers compare to other industries in assessing risk If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 231 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Eigen Technologies provides natural language processing (NLP) technology to clients across multiple sectors. Chris Mullan, SVP of Product; and Tim Crowe, Director of Insurance Solutions, joined Robin Merttens on this episode to discuss how they help the insurance industry get access to all the insightful data trapped in the many bespoke, complex and rapidly changing documents that the industry relies on. Talking points include: Unstructured data and the inherent issues it causes in the insurance process The unique issues that arise from London’s Market reform contracts Past experiences of the insurance industry, including the overpromising of vendors and failure to deliver The role of AI, Machine Learning and how to accurately describe them How documents vary across geographies and the issues that creates. We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or leave a post on Linkedin or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe some of the reasons it is imperative to maintain structured data and the issues that arise from unstructured data Summarise how past challenges have enabled future success Explain some of the pros and cons of using artificial intelligence and the vital role it plays in the digital world If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 230 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

This week Matthew Grant is talking to Nigel Walsh, Managing Director of Insurance, Google Cloud. You'll find out why Google launched its recent “start-up” - Google Cloud - growing in excess of 36% quarter to quarter. Nigel is well known for his love of insurance and engagement across a whole range of innovative topics - and his annual predictions. He relocated to the US from the UK last year so we get a perspective of how attitudes, and technology, vary on both sides of the Atlantic. Topics include What’s changed since the phrase “Insurtech” was invented 7 years ago? What consumers really want? Don't mistake a clear view for a short distance Are insurers returning as investors with a fresh appetite for innovation? Predicting the future and scoring past forecasts We’d love to know what you think about this episode - click here and add your thoughts to our LinkedIn post about it. If you like what you're hearing, please leave us a review on whichever platform you use or leave a post on Linkedin or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe some of the advances in insurance operations since Insurtech came about and the benefits this has brought for insurance businesses. Identify the key trends when insurers decide to return as investors. Learn some of the techniques used to predict future business growth & success If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 229 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

This week we are back talking to another leader from one of the largest insurance companies in the world. Liberty Mutual. Parul Kaul-Green is Chief Digital Strategy Officer for Liberty Specialty Markets. Parul is at the sharp end of driving innovation across many of Liberty’s businesses as the company moves to digital. Join us as Matthew Grant discovers how Parul is supporting Liberty’s underwriters and its clients including some of the following: All insurers are moving to become truly digital, but how does a Chief Digital Strategy Officer achieve that? Parul has a team around the world - how does she bring the underwriters and other business units along with her? What are the differences between “outputs” and “outcomes” and why is that important? Liberty’s three areas of focus: digital distribution, analytics and digital products Examples of companies that Liberty is working with If you like what you're hearing, please leave us a review on whichever platform you use or leave a post on Linkedin or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Identify key roles a Chief Digital Strategy Officer must undertake to achieve a successful digital presence Describe some of the important differences between outputs and inputs and understand why it is imperative to differentiate the two Explain in further detail the advantages of using digital distribution, analytics and digital products when transitioning to becoming fully digital If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 228 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Cytora is well known in London and increasingly in the US too, as providing analytics for insurers - founded in 2014 and with some well-known clients including Allianz, Beazley and Markel - this is another company that’s made the transition from start-up to scale-up. Richard Hartley is the Co-founder and CEO. In this episode you will discover why the company pivoted from its original premise of sourcing data to help with commercial underwriting pricing - to its new solution, which is making underwriters' lives better, improving, as Richard puts it, how information glides through companies. You will also hear: How Richard and his team refocused the business when they realised that it's not the lack of data that is often holding insurers back, but too much data and data that’s hard to organise. When insurers should be making decisions to buy versus build their own technology Some of the differences between those of you in the US compared to us here in the UK. When it's better for hiring to go and find people with fresh ideas from outside the industry or tap into the experts from within Which insurance company - and Cytora client - has a goal of getting 80% of its insurance submissions managed with straight-through processing - untouched by human hands And finally - you can’t do everything so how do you say no to your client? If you like what you're hearing, please leave us a review on whichever platform you use or leave a post on Linkedin or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Identify how to make important investment decisions regarding buying and building technology List some of the benefits a business can achieve by recruiting externally and compare this to using in-house expertise Describe some of the issues surrounding data and the challenges a business can face if there’s too much If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 227 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Since being founded in 1688 Lloyd’s of London has grown into a marketplace supporting over £35 billion of premium. Innovation is at the heart of its success. More recently the “Lloyd’s Lab” has supported over 100 companies from around the world that are helping insurers find new solutions for the insurance protection gap and improving efficiencies. Dawn Miller joined Lloyd’s of London as the Commercial Director in 2022 after a career with some well-known global insurers - having cut her teeth as an investor and entrepreneur. One of Dawn’s responsibilities is helping the Lloyd’s market (which includes 50 insurance companies and 380 brokers) identify new types of insurance to offer, improve efficiencies - and support customers from global enterprises to small businesses around the world. Join us for this episode to discover: The range of Dawn’s responsibilities which includes the Lloyd’s Lab, the Product Launch Lab and FutureMinds. Some of the milestones and success stories from the Lloyd’s Lab. What is involved with applying to the Lab and becoming a mentor. Tips and great insights to help you apply for the Lab right now - wherever in the world you are. How Lloyd’s is addressing the evolving challenges and opportunities in the measurement and management towards reducing carbon emissions and ESG more generally. Implications of insuring new assets such as a hydrogen pipeline compared to other liquified gases. What’s going on with all the debris in space and if it is insurable. Whether Lloyd’s will ever want to be an investor. We are delighted to be supported by Lloyd’s and supporting the Lab. Many of our corporate members have been through the lab, including the ones we discuss such as Previsico, McKenzie Intelligence Services, OTT Risk, Hyperexponential and Praedicat. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Identify some of the ways a business can reduce its carbon footprint and learn about the three key factors that enables businesses to do this Describe the impact of insuring new assets and what it would look like in practice compared with existing products List some of the pros and cons of becoming an investor If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 226 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

There are some fascinating stories about companies that have existed for 10 years. At this point, almost every company will have found its product-market fit, be generating revenue and, in most cases, moved beyond start-up to scale up - but each of them will also have had to navigate through some tough headwinds and in many cases shift tack to identify what their clients really need. Praedicat is one such company and Matthew Grant caught up again with Bob Reville, Co-founder and CEO. With a mission to help insurers, and others, understand the emerging risks and potential litigation costs from substances that have the potential to be as expensive as asbestos is - Bob and his team reveal some of the hidden problems facing society, and insurers, in the years ahead. But you don’t have to be a casualty underwriter, or even have any knowledge of liability insurance to find a lot of value from this discussion. We cover a lot. Bob explains why a change of name from its original offering - as a casualty catastrophe model - got the attention of underwriters as buyers. You will learn about the major new threat from “litigation finance”. Hear about the three phases of emerging risks and what insurers can do about them - look out for “emerging interest, emerging damage and emerging litigation.” Do you ever wonder how to determine the cost-benefit of the data, analytics, or technology you are buying or selling? Bob reveals some of the approaches and measurements that Praedicat uses to demonstrate the value to its clients of using its product, the Nekomodel X. (Nekomodel X - if you are wondering what it does - and where the name came from - we reveal that too.) We’re delighted to have Praedicat as one of our corporate members at InsTech. Details of how to contact Bob and his colleagues are in the episode notes. If you are an insurer looking for technology partners - or building and selling your own solutions and are interested in membership, please contact me, Matthew Grant on LinkedIn or any of us - [email protected] There is so much fascinating content in there, we’re going to be releasing this as a feature article in the near future so look out for that. In the meantime, to find out more about what we are doing at InsTech with our events, reports, articles and newsletters - and what we can do for you - head to www.instech.co. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Describe some of the potential future issues affecting insurance industries and how to overcome the challenges List some of the advantages rebranding a product can make a positive impact on a business Explain some of the ways transparency and accuracy in underwriting can reduce churn rate If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 225 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

It's New Year's day as we release this so we're giving our regular listeners a break with just a quick word from the InsTech podcast. Matthew Grant reflects on the takeaways from 2022 and a brief look at 2023. Only 4 minutes. Back with our full schedule of great guests in January. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected]

Even podcasters need a break, so we're borrowing the podcast for this episode from Supercede to bring you founders Ben Rose and Jerad Leigh interviewing InsTech's Robin Merttens. This was recorded back in August 2022 and reviews our Marketplaces and Exchanges report released at that time (available here). Topics include What Is a Platform? The Evolution of Technology Lessons from RI3K Challenges of Digital Risk Documents Vs. Data Difficulties of Industry Consensus The B3i Blockchain Initiative InsTech: Collaboration & Partnerships InsTech Marketplace & Exchanges Report Benefits to the End Consumer If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe some of the recent advances in the digital sharing of data in insurance Summarise the challenges for underwriters and how these are being overcome Explain further about the resources available to continue your learning If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the podcast page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

We’re back with our occasional “Partner Chats”. Robin Merttens and Matthew Grant reflect on what is going on in the world of innovation and insurance. As usual, there are some things to celebrate, and some things to grumble about. We are the guests of QBE Ventures, the venture investment and development arm of QBE Insurance Group for this episode. Peta Kilian, UK Head of Strategy and Partnerships, joined us ready with a list of questions from her colleagues across QBE. Talking points include: Does insurance need underwriters? What is algorithmic underwriting and does it really work? Sharing data between insurers and their partners - is there anything to celebrate in 2022? Energy transition and the move to reduce carbon emissions - what’s coming next? Cyber insurance - is now the time to get involved? And a lot more Thanks to QBE for inviting us and allowing us to record this session. For a quick look at what this looked like on the day take a look at our video here. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe the pros and cons of underwriters in the modern insurance industry Identify key points on whether data-sharing between insurance partners is beneficial to improving business efficiency Explain some of the advantages of using algorithms and whether they are really as accurate as expected If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 222 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

We’ve released over 200 podcasts through our usual InsTech channel. At InsTech, we’re also keen listeners of other people’s podcasts. During 2023, we will be sharing a selection of the podcasts that we like, or appear in, through an occasional mid-week or holiday season release. For this episode, we’re bringing you the “Making Risk Flow Podcast” from Cytora. Cytora’s Chief Commercial and Operations Officer, Juan de Castro, is talking to two insurance companies about the challenges that insurers and brokers are facing and how they’ve overcome those. Nic Brown, Divisional Director - Broker from Markel UK and James Wright, Head of Technology at Beazley Digital joined Juan in front of a live audience. Topics include: How technology can add value to the broker The opportunities within the sector around data analysis How Cytora helps companies to gain efficiency savings through automating processes You can learn more about Cytora and what we are doing with them from the company’s dedicated page on the InsTech website. Cytora, Beazley and Markel are all InsTech corporate members. Contact us [email protected] to learn more about why over 170 companies around the world are working with InsTech. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. This podcast can be included as part of your CII CPD requirement should you consider it relevant to your professional development needs.

In this episode we cover the highlights of our recent live event in London “Tropical Cyclone - Managing Tomorrow's Climate Risk Today with Reask and Fathom”. We heard about how insurers and portfolio managers are taking account of the increased need to understand the combined risk of floods and hurricanes. We were joined by some of the companies providing climate analytics and data including: 1:38 Jamie Rodney, CEO, Reask; Andrew Smith, Co-founder and Chief Operating Officer, Fathom; David Vicary, Research and Development Manager, Brit Insurance 15:01 Robert Porter, Product Director, VAVE; Oliver Wing, Chief Research Officer, Fathom; Sue Barenbrug, Independent Consultant 27.46 Paul Wilson, Partner, Securis Investment Partners; Thomas Loridan, Co-founder and Chief Science Officer, Reask 43.41 Dickie Whitaker, Founder and CEO, Oasis Loss Modelling Framework Talking points include: What a globally correlated cyclone model looks like The valuation of properties and how open data is impacting this Applying science at the point of sale Aggregating and pricing flood risk How a puppy called Jasper demonstrates climate versus natural variability If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: List some of the reasons why establishing an understanding of the combined risks of floods and hurricanes is essential in current economic times Describe some of the issues relating to tropical cyclone statistics, including the effects of global warming Identify the different ways of sourcing data to effectively evaluate and price flood risk If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 220 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

McKenzie Intelligence Services (MIS) provides catastrophe event response intelligence to the insurance market. It combines space and ground imagery with human intelligence and AI to estimate losses, helping insurers aggregate exposure data. Brush Claims is a US-based property and liability claims service provider. Matthew Grant and Ali Smedley spoke to Daniel Grimwood-Bird, Head of Sales and Marketing at MIS and Troy Stewart, COO and President at Brush Claims. They cover the way the two companies are working together and how responses to future events will change as a result. Other talking points include: MIS’ provision of event intelligence following Hurricane Ian How MIS integrates data from various sources into its GEO platform to estimate losses How MIS identifies flood and wind damage at the property level using satellites and Synthetic Aperture Radar Troy’s experience at the Lloyd’s Lab The detrimental impact of uncertainty on a claims process and how MIS and Brush Claims partnership is addressing this How Brush works with InsTech members Liberty Specialty Markets and Markel International Learn more about MIS including our past interviews, podcasts and reports here. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Describe some of the ways integrating data can have a healthy impact on a business when measuring losses Identify how collaboration between businesses can improve event intelligence and responses List some examples of how advances in science and technology play a key role in understanding flood and wind damage severity If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 219 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

PwC is a professional services network of firms. The company is one of the largest professional services networks in the world and is considered one of the Big Four accounting firms. Glynn Austen-Brown and Michael Cook, Partners at PwC, joined Matthew and covered topics including why insurance companies need to move to be fully digital and what that takes. Other topics include: Examples of where analytics are improving how companies support their customers How companies are overcoming the historical challenge of the “trust gap” Underinsurance in Southeast Asia and how insurtechs can address this market How PwC is working with companies in the insurance industry such as Admiral You can find PwC’s report referred to in the podcast here. Learn more about PwC including our past interviews, podcasts and reports from our dedicated website page If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Describe some of the ways insurance companies will benefit by going fully digital and the processes involved in making the transition Identify key points on how collaboration between different industries can improve business efficiency Explain some of the advantages of using analytics and list examples of how implementing this feature can enhance customer support If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 218 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Tensorflight uses AI, aerial and street view imagery to provide property data for risk analytics on commercial, personal and industrial properties globally. Matthew Grant was joined by Jacob Grob, the Chief Revenue Officer at Tensorflight. They discuss his personal experience with Hurricane Ian, some of the latest developments in providing property data and the challenges of social inflation pushing up costs. Other topics include: The difference in the way insurance is sold in the US compared to the rest of the world The “assignment of benefits” and how it impacts Florida Using data to make better decisions Learn more about Tensorflight including our past interviews, podcasts and reports from our dedicated website page. If you like what you are hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Describe the challenges social inflation brings and understand the factors that can be difficult to foresee Summarise some of the ways in which insurance is sold around the world and compare the advantages List some examples of the ways in which data can be implemented to enhance a business model If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 217 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Chubb is one of the largest global property and casualty insurance companies. It provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to individuals, families and businesses of all sizes. Sean Ringsted is the Chief Digital Business Officer at Chubb and joined Matthew Grant to discuss developments at Chubb including Chubb Studio and increased use of IoT devices in insurance. Topics include: How Chubb is expanding its global client base with Chubb Studio Why the growth of neobanks in developing economies is making insurance easier to buy What artificial intelligence can do and what it cannot What to expect in 2023 Lessons for Chubb from building its own technology Learn more about Chubb including our past interviews, podcasts and reports from our dedicated website page. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us [email protected] Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Describe what a neobank is and understand the benefits they bring when purchasing insurance in developing economies Summarise the key advantages of using artificial intelligence and the pros and cons of how it impacts a business List some examples of the methods used to expand and grow a business If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 216 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

DQPro is a data monitoring platform designed for the operational and regulatory needs of the specialty insurance market. Nick Mair, DQPro’s CEO and Co-founder, joined Matthew Grant to discuss APIs, the London insurance market’s history and MGAs. Talking points include: The founder’s story - the problem Nick saw and what he has done to help fix it Why fixing poor data is now recognised at board level as a top priority The cost of the data being incorrect and the fines being levied A day in the life of a data quality analyst Why processes set you free Automation - what it can do and what it can’t do Essential skills for building a product - listening to your customers, but making your own decisions and knowing where to focus. Companies mentioned in this episode include Send Technology and VAVE. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Identify what poor data is and why fixing poor data is a key priority in achieving operational excellence List some of the pros and cons of automation and the impact this can have on a business Summarise essential product-building skills and understand the advantages of listening to customers whilst maintaining initiative and focus If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 215 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Stripe provides technology infrastructure for the movement of money. Businesses use Stripe's software and APIs to accept payments and run financial operations in more than 100 countries. Robin Merttens sat down with the head of UK Enterprise Sales - Insurance & Insurtech, Calogero Scibetta. Talking points include: Why the insurance industry has been slow to embrace modern payment technology Supply chains, traceability and understanding transactions What an optimal payment infrastructure is and how it can be achieved How Stripe Climate is helping fund carbon capture projects If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Summarise the key factors considered by insurers when looking to optimise a payment infrastructure List the benefits of modern payment technology when compared to legacy systems in the insurance industry Explain what carbon capture entails and how insurers and technology providers are contributing to these projects If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 214 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Loadsure is a Lloyd's backed MGA using analytics to automate the underwriting of shipped goods and cargo. Matthew Grant is joined by Johnny McCord, Founder and CEO of Loadsure. Topics they discuss include the benefits of an instant embedded solution to offer insurance, why traditional insurance is unable to offer flexible products and the importance of a strong company culture in attracting the right talent. Further talking points and learning points include Examples of how practical ways that improved use of technology and digital exchange of information support the customer needs. How the use of data and analytics can overcome shortcomings such as the difficulty for traditional freight insurance, to provide the necessary cover for products such as alcohol, foods, frozen produce and fireworks. Loadsure’s experience with the Lloyd’s Lab and how to make remote working a benefit for the business. The power and efficiency that comes from using existing categories and industry codes to gain a better understanding of the location and movement of commodities being insured. Find out more about Loadsure and everything else we are up to at InsTech from our website www.instech.co Please tell us what you think of the podcasts - or to learn more about how InsTech can help you by contacting Matthew Grant or any of the team [email protected] If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: List some of the ways in which data and analytics can be advantageous in overcoming the difficulties of traditional freight insurance Summarise how the use of technological & digital advancements can benefit customer needs Identify key advantages of instant embedded solutions when offering insurance If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 213 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Gamma is a location intelligence provider, offering solutions to geographical questions. It uses software, data and spatial analytics to help companies reduce the risk of losses. Matthew was joined by Gamma’s Chief Commercial Officer, Richard Garry and CEO, Feargal O’Neill. Talking points include: Overcoming the challenges of local address data in Ireland and the UK Creating complete crime data analytics from different sources Working with partners such as JBA Risk Management and Terrafirma (part of Dye & Durham) Case studies of how companies use Gamma’s data Scoring data quality The incentives available to people for reducing wind and flood impact to their properties If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Summarise how software, data and spatial analytics are being used within the location intelligence space Explain the challenges of local address data in countries such as UK and Ireland, and ways in which these can be overcome Identify the key advantages offered to customers when reducing wind and flood impacts on their properties If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 212 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Súper is an MGA selling consumer insurance products in Mexico, including life, home contents and parametric earthquake cover. Matthew Grant and Henry Gale are joined by Dario Luna, Executive Chairman and Co-founder of Súper, to discuss parametric insurance, digital distribution and insurance trends in Latin America. Talking points include: How Mexico City is exposed to earthquake risk Why demand for earthquake insurance spikes in September Acknowledging how policyholders perceive risk Issues of underinsurance and how to distribute consumer insurance products in Mexico How parametric triggers can bring insurance to underserved communities How Súper is working with Munich Re and Swiss Re If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Identify key insurance trends and perceived risks within the Latin American market Describe how disadvantaged countries such as Mexico gain from parametric insurance Define what underinsurance is and evaluate the issues it presents to underserved communities If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 211 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Gaia uses medical data to offer personalised financial plans to remove the financial barriers to accessing fertility care. It is the world’s first IVF (in vitro fertilisation) insurance product that predicts fertility outcomes and insures against the risk of failure. Robin Merttens is joined by the Founder and CEO of Gaia, Nader AlSalim, to discuss why he wants to remove the financial barriers to fertility treatment. Talking points include: The insurance gap Nader’s personal journey that encouraged him to start Gaia Gaia’s experience with Lloyd’s Lab Gaia’s identity as a brand and the long-term plans for its evolution The partners they’re looking for as they expand into new markets and geographies More InsTech content featuring Gaia is available on the company’s member profile page. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Summarise the key financial barriers faced by potential fertility treatment patients Explain how medical data is used by insurers to create a personalised insurance offering List some of the benefits and initial challenges for an organisation engaging with Lloyd’s Lab If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 210 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Inari delivers core technology platforms that provide cloud-based end-to-end management for insurers and reinsurers. Since launching 5 years ago, Inari has helped its clients increase operational efficiency, business flexibility and provide data governance. Inari uses Distributed Ledger technology within its platforms to record every event in the life cycle of a risk. Frank Perkins, Founder and CEO of Inari, joined Robin Merttens to talk about: The benefits of interconnected systems The immutability of data and how it applies to distributed ledger technology Frank’s experiences of scaling up Inari Plans for partnerships and funding Frank’s experience as a professional gamer and how it makes him a better entrepreneur More InsTech content featuring Inari is available on the company’s member profile page. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Describe what distributed ledger technology entails, and the benefits of incorporating it within insurance platforms List some of the advantages of implementing interconnected systems for organisational practices Summarise the key factors organisations in the insurance industry need to consider when looking to scale up If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 209 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Arbol provides parametric climate and weather risk management solutions for sectors such as agriculture, energy, maritime and hospitality. Siddhartha Jha, Arbol’s Founder, CEO and Chairman, joined Matthew Grant and Henry Gale to discuss how his experience of commodities trading helped inspire Arbol, how he built a company and a product and how it is addressing the needs of its customers with climate risk transfer. Talking points include: Insuring cotton gins against low yields Combining parametric and traditional property insurance in Florida Applying parametric triggers to reinsurance on an individual property level How Arbol’s parametric captive programme offers analytics and insurance to corporates The recent acquisition of Oasis Hub and how it will enrich Arbol’s dClimate network If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: List some of the ways in which commodities trading experience can benefit the insurance field Describe the key differences between parametric and traditional property insurance, and where these can be combined effectively Summarise what a parametric captive programme entails and its benefits for corporate organisations If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 208 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Archipelago is working with large global corporations to identify and source information about a property that's then shared with insurers and brokers. The company has over 170 people and according to PitchBook, has raised $57 million. Co-founder Hemant Shah last spoke to us on episode 145 and returns to the evolution of Archipelago in the last year. Talking points include: How Archipelago is working with companies to collect information about properties for insurers and brokers Issues associated with matching loss history data to exposure data How exposure data is described, validated and standardised The potential role of intelligence augmentation and the process behind implementing machine learning How ESG requirements are changing resilience reporting If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: List some of the methods used by organisations to source relevant property data Explain the potential disparities between loss history data and exposure data Describe how technological implementations such as intelligence augmentation are aiding property insurance If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 207 page of the InsTech website or email [email protected] to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.