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Disruptive innovation Disruptive innovation

Disruptive start-ups are set to shake up the insurance industry - and posing a challenge for regulators and incumbents alike. But innovation in the sector goes way beyond some get-rich-or-die-trying Insurtech start-ups, says Global Head of Sales and Markets Gary Reader. New business models, creative collaborations and cross-jurisdictional structures will all demand novel approaches from regulators.

And they're responding. As Director and Insurance Regulatory Lead Janine Hawes explains, innovation sandboxes at regulators such as the FCA are helping both the disruptors, the incumbents and the regulators find ways to push the industry responsibly in new directions. Global Insurance Regulatory Lead Rob Curtis highlights similar moves in the Pacific region - and what we can learn about openness to innovation.

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