Explorez tous les épisodes du podcast Building Tomorrow's Insurer

Most insurers are asking how to add AI to existing workflows.

Kyle Nakatsuji thinks that's the wrong question.

In this episode of Building Tomorrow's Insurer, Nigel Fellowes-Freeman sits down with the founder of Clearcover and Dearborn Labs to explore why the first wave of digital transformation in insurance may already be outdated.

After spending a decade building one of the world's best-known tech-native insurers, Kyle believes Agentic AI is forcing the industry to rethink everything from claims and underwriting to operating models and core systems.

Together they discuss:

• Why even modern insurers may need rebuilding for the AI era
• The difference between automation and agentic systems
• Why many AI initiatives stall between pilot and production
• The future of headless insurance platforms
• How AI changes the economics of underwriting and claims operations
• Whether insurers should build proprietary AI workflows or rely on vendors
• Why context, judgement and human relationships still matter
• The future of embedded insurance in an AI-native world

If you're a CEO, CIO, COO, Chief Claims Officer or transformation leader trying to understand what insurance operations could look like over the next five years, this conversation provides a practical look at what's changing now.

Topics:
Agentic AI in insurance, insurance digital transformation, AI claims automation, insurance operations, insurtech innovation, embedded insurance, AI underwriting, future of insurance technology, Clearcover, Dearborn Labs.

Your daily dose of insurance and fintech news for 25 February 2021

Is the insurance industry stuck in its old ways? In an era where digital media drives brand loyalty and tech reshapes customer expectations, insurance companies might be missing out on huge opportunities. Featured in Feedspot's Top 10 Insurance Podcasts, Kanopi’s Building Tomorrow’s Insurer brings you insights from leaders who are redefining insurance.  

In this episode, host and Kanopi CEO Nigel Fellowes-Freeman speaks with Ian White, the force behind Turbo Ventures and MGA Labs. Ian’s decades of experience in insurance and media give him a unique perspective on why insurers need to radically rethink how they connect with customers.  

Tune in as Ian challenges traditional approaches and shares eye-opening insights on:

• Why the insurance industry needs media as much as it needs tech  
• How legacy mindsets could be losing insurers a digital-savvy customer base  
• The untapped potential of AI and content to rebuild trust in insurance  
• The insurtech trends no one’s talking about—but should be  

For insurance leaders ready to break out of the status quo, this episode offers fresh takes that just might redefine your approach. Don’t miss this discussion with Ian White as he calls out what’s missing—and what’s possible—in the future of insurance.  

What does it take to revolutionize the insurance industry while staying grounded in authenticity and purpose? In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman sits down with Jeff Shi, founder of Insurtechs.io and a top 50 InsurTech influencer.

Jeff shares his inspiring journey from building a car performance shop in his early days to founding J&J Insurance, where he grew a scratch agency to $27 million in premiums. He brings a wealth of insights on innovation, customer-centric strategies, and the critical role of storytelling in creating trust and brand value in the insurance sector.

Tune in to explore:

• The power of grit and entrepreneurial spirit in building a successful insurance agency
• How storytelling and authenticity are shaping the future of insurance
• The role of AI and technology in redefining customer experience and distribution channels
• Lessons from industry challenges, including managing risks in a rapidly changing environment
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This episode is packed with actionable insights and forward-thinking perspectives for anyone navigating the evolving insurance landscape.

In this episode of Building Tomorrow’s Insurer, host Nigel Fellowes-Freeman dives deep into the evolving world of insurance claims with Sylvia Quang, Head of Claims Solutions for Hong Kong and Macau at Marsh Asia. With an extensive background in law and insurance, Sylvia brings a wealth of experience, having worked across multiple lines of insurance and recognised as one of Australia's Best Lawyers for 2025.

Sylvia shares her fascinating journey from law into the heart of claims management and sheds light on how the claims process is transforming in the digital age. This episode explores critical themes, including:

🔹 The Human Side of Claims: Why claims handling is more than a process—it’s the true test of an insurer's promise.
🔹 Tech in Claims Management: How AI tools, like Marsh Asia’s LED AI, are streamlining processes and enhancing customer service.
🔹 Regulation and Innovation: The contrasting regulatory environments in Australia and Hong Kong and their impact on innovation.
🔹 Catastrophe Management: Preparing for rising claims volumes and training strategies for handling catastrophe-related claims.
🔹 The Future of Claims: Sylvia’s vision for a more efficient, customer-centric claims process and the role of emerging risks like cyber.

Sylvia also touches on the importance of diversity in leadership and how it leads to better decision-making and innovation, especially within claims.

Whether you’re an insurer, a claims professional, or interested in the future of insurance, this episode offers valuable insights into the challenges and opportunities in claims management today.

Tune in to hear Sylvia Quang’s expert perspective on building a better, more empathetic, and technologically advanced claims future.

Is the insurance industry stuck in its old ways? In an era where digital media drives brand loyalty and tech reshapes customer expectations, insurance companies might be missing out on huge opportunities. Featured in Feedspot's Top 10 Insurance Podcasts, Kanopi’s Building Tomorrow’s Insurer brings you insights from leaders who are redefining insurance.

In this episode, host and Kanopi CEO Nigel Fellowes-Freeman speaks with Michael Waitze, the force behind Michael Waitze Media and Asia Tech Podcast. Michael’s decades of experience in global finance and media give him a unique—and sometimes provocative—perspective on why insurers need to radically rethink how they connect with customers.

Tune in as Michael challenges traditional approaches and shares eye-opening insights on:

• Why the insurance industry needs media as much as it needs tech
• How legacy mindsets could be losing insurers a digital-savvy customer base
• The untapped potential of AI and content to rebuild trust in insurance
• The insurtech trends no one’s talking about—but should be

For insurance leaders ready to break out of the status quo, this episode offers fresh takes that just might redefine your approach. Don’t miss this discussion with Michael Waitze as he calls out what’s missing—and what’s possible—in the future of insurance.

Featured in Feedspot's Top 10 Insurance Podcasts, Kanopi's latest podcast series 'Building Tomorrow's Insurer' explores the cutting edge of insurtech and digital innovation in the insurance industry. Join host and CEO of Kanopi, Nigel Fellowes-Freeman as he interviews industry leaders and unpacks the latest trends shaping the future of insurance.

In this inspiring episode of Building Tomorrow's Insurer, host Nigel Fellowes-Freeman is joined by Lisa Carter, the highly acclaimed CEO and Managing Director of Clear Insurance. With numerous industry accolades and a passion for transforming the insurance broking landscape, Lisa provides a unique perspective on client-focused risk advice and the future of insurance.

Key themes covered in this episode include:

• The evolution from traditional insurance broking to risk advisory
• Implementing a transparent fee-for-service model in insurance
• The importance of leadership and mentorship in the insurance industry
• Navigating the changing landscape of risk and insurance advice
• The role of technology in simplifying insurance processes
• The vision for a more transparent and client-focused insurance industry

Whether you're an insurance professional, a business owner seeking to understand risk management, or interested in the future of financial services, this episode is a must-listen. Tune in for Lisa Carter's expert insights on revolutionising risk advice and shaping tomorrow's insurer.

Featured in Feedspot's Top 10 Insurance Podcasts, Kanopi's latest podcast series 'Building tomorrow's insurer' explores the cutting edge of insurtech and digital innovation in the insurance industry. Join host and CEO of Kanopi, Nigel Fellowes-Freeman as he interviews industry leaders and unpacks the latest trends shaping the future of insurance.

In this exciting episode of Building Tomorrow's Insurer, host Nigel Fellowes-Freeman is joined by Anish Sinha, co-founder of upcover, Australia's fastest-growing insurance platform for small businesses. With his background at Goldman Sachs and nearbuy.com, Anish brings a unique perspective on revolutionizing the SME insurance landscape.

Key themes covered in this episode include:

• The journey of building a digital-first insurance platform for SMEs
• Leveraging technology to simplify the insurance buying process
• The role of AI and large language models in shaping the future of insurance
• Balancing innovation with regulatory compliance in insurtech
• The importance of trust and transparency in digital insurance distribution
• Predictions for the commercial insurance industry over the next decade
• Advice for aspiring insurtech founders entering the regulated insurance space

Whether you're an insurtech entrepreneur, an insurance industry professional, or interested in the digital transformation of financial services, this episode offers valuable insights. Tune in to hear Anish Sinha's perspective on building tomorrow's insurer and how upcover is changing the game for small business insurance in Australia.

Featured in ⁠⁠Feedspot's ⁠⁠⁠Top 10 Insurance Podcasts⁠⁠⁠⁠⁠, Kanopi's latest podcast series 'Building tomorrow's insurer'  explores the intersection of InsurTech and digital disruption in the insurance industry. Join host and CEO of Kanopi, Nigel Fellowes-Freeman as he interviews industry leaders and unpacks the latest trends shaping the future of insurance.

In this insightful episode, Nigel sits down with Shirin Danesh - Head of Enterprise Agility at Bendigo Bank and Amazon bestselling author of "Level Up: From Unseen to Sought-After." Shirin brings her extensive experience in driving agile transformation across sectors like banking, insurance, and technology.

The conversation delves deep into cultivating the right corporate culture for fostering innovation within large enterprises. Shirin shares her perspectives on the evolution of customer-centric and employee-first mindsets that are shaping modern organizations.

With real-world examples and thought-provoking anecdotes, Shirin unpacks the key pillars for successful culture transformation - from empowering decision-making to effective communication across diverse teams. She also offers insights into overcoming resistance to change and creating environments that support continuous learning.

If you're keen to gain valuable lessons on building community-driven, future-focused organizations primed for sustainable growth, this engaging discussion with the insightful Shirin Danesh is not to be missed.

Featured in ⁠Feedspot’s Top 10 Insurance Podcasts⁠, Kanopi's "Building Tomorrow's Insurer" embarks on a special series exploring the transformative impact of Large Language Models (LLMs) across the insurance value chain. Join host and CEO of Kanopi, Nigel Fellowes-Freeman, as he engages with thought leaders in a deep dive into the future of insurtech.

In this exciting episode, we're joined by Cambridge Computer Science PhD and Co-founder of oslo.ai, Indigo Orton as we deep dive into how insurers can turn unstructured data into strategic business advantages.

Together, Nigel and Indigo address the challenges of adopting AI or any LLMs from theory to practice, highlighting the importance of quality, cost, and sustainability in tech implementation.

Things you'll learn:

- How new technologies are streamlining insurance processes, creating rapid innovation cycles.

- The transformative impact of automating policy creation and its profound time-saving implications.

- The balance of data security, model ownership, and sustainability in the AI-driven evolution of the insurance sector.

- Success stories where AI has tangibly reduced latency and costs in insurance operations.

Whether you're an AI aficionado or an insurance expert - or both, this episode offers actionable knowledge for those looking to revolutionise the insurance industry.

Featured in ⁠⁠Feedspot's Top 10 Insurance Podcasts⁠⁠, Kanopi's latest podcast series 'Building tomorrow's insurer'  explores the intersection of InsurTech and digital disruption in the insurance industry. Join host and CEO of Kanopi, Nigel Fellowes-Freeman as he interviews industry leaders and unpacks the latest trends shaping the future of insurance.

In this compelling episode, we'll be hearing from Nick Proud, VC Investor at Insurtech Gateway Australia. With over 15 years of experience in financial services, spanning corporate finance, M&A, and strategy, Nick is a seasoned strategist and innovative thinker. He's also the man behind sourcing and incubating the most promising startups for Insurtech Gateway Australia.

Here are some key themes covered in this episode:

• Passion for Progress: Find out what fuels Nick's enthusiasm for the insurance industry, and how that drives his investment choices.

• VC Incubator Insights: Get an inside look into the VC Incubator programs run by Insurtech Gateway Australia. Are there emerging trends or interesting M&A predictions you should be watching?

• Broker Evolution: As embedded insurance 2.0 becomes more prevalent, how will the role of brokers evolve?

• Investment Outlook for 2023: Nick provides his forecasts for investing trends in the insurtech sector for the coming year.

• UK Market Learnings: What can we glean from Insurtech Gateway's UK unit? Are there any takeaways that can be applied to other markets?

• Vision 2050: Nick offers his long-term vision for the future of insurtech. Where will this market head by 2050?

Whether you're an industry professional, a startup founder, or simply interested in the future of insurance, this episode is packed with invaluable insights.

Kanopi's latest podcast series 'Building tomorrow's insurer'  explores the intersection of InsurTech and digital disruption in the insurance industry. Join host and CEO of Kanopi, Nigel Fellowes-Freeman as he interviews industry leaders and unpacks the latest trends shaping the future of insurance.

Our guest speaker this episode, is shaking up the industry with her bold vision to create more things instant in insurance and level up the playfield for smaller players by providing affordable technology. We’re thrilled to be speaking with Tetiana George, Co-founder and CEO of Curium, a revolutionary insurance app. She is also the Board Director of Insurtech Australia, a national not-for-profit organisation with a vision to create a world-leading insurtech ecosystem. 

In this episode we'll explore:

• How Curium has been levelling the playing field in the insurance industry and addressing unmet demand
• Navigating the challenges of a developing Australian insurtech market
• The urgent need for collaboration between players in the insurance industry 
• Tetiana’s experience as a startup founder and the early years of building Curium
• A vision for the ideal future insurer

This episode is a must-listen for anyone who wants to learn about the exciting possibilities of insurtech, as well as the experiences of women who are leading the way in this space. Join us as we explore the world of insurtech with the brilliant and inspiring Tetiana George. Tune in now!

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Got questions about embedded insurance? Talk to an expert

For more information on the latest trends in insurtech, check out Kanopi's Youtube Channel

Follow Kanopi on social media:  LinkedIn, Twitter

Your daily dose of insurance and fintech news for 24 February 2021

Your daily dose of insurance and fintech news for 15 March 2021

Highlights include:
- The race for Commonwealth Bank's book tightens
- CFC Underwriting, Ltd. makes an acquisition
- LeaseLock passes $1b in insured value
- Genesis closes big round

Your daily dose of insurance and fintech news for 22 February 2021

Your daily dose of insurance and fintech news for 26 February 2021

Why do insurance executives keep funding AI pilots that never reach production — and what does it actually take to break the cycle?In this episode of Building Tomorrow's Insurer, host and Kanopi CEO Nigel Fellowes-Freeman sits down with James Benham, Founder and CEO of JBK and Terra, to diagnose the structural reasons AI transformation stalls in insurance organisations and what it takes to move from proof of concept to full-scale deployment.James brings 25 years of insurance technology experience to the conversation, having built bespoke systems for carriers, TPAs, MGAs, brokers, and ancillary providers since 2004. As CEO of both JBK — a full-service insurance technology consultancy — and Terra, a workers' compensation platform, James has sat at the executive table with insurers across the US implementing machine learning, workflow automation, and agentic AI at scale.Key themes covered in this episode:- Why insurers have always lived in Groundhog Day — and why AI is finally forcing them out of it- The CEO-COO-CIO trifecta: why misaligned leadership is the single biggest reason pilots die- Agentic AI versus RPA: what actually changes when you put a high-IQ brain on top of a workflow engine- Data, process, and tooling: which comes first in a real AI transformation roadmap- The metrics that matter — combined ratio, claim load per adjuster, underwriting throughput — and how to set them without accelerating the wrong outcomes- Why dedicated automation teams, not side-of-desk innovation, are the only path to productionEssential listening for insurance CXOs, CIOs, and transformation leaders who are tired of the pilot loop and ready to act.

Your daily dose of insurance and fintech news for 2 March 2021

What does it actually take to embed financial services into a platform?

In this episode of Building Tomorrow’s Insurer, Nigel sits down with Michael Nuciforo, founder of Thriday (now part of Tyro), to explore how fintech platforms are reshaping distribution by owning the customer workflow.

This is not a conversation about theory. It’s about execution.

Michael shares how platforms like Thriday integrate banking, accounting, and financial services into a single experience for small businesses — and what that means for insurers looking to participate in embedded ecosystems.

In this episode, we cover:

• Why workflow ownership is more important than product innovation
• How embedded finance shifts from add-ons to core infrastructure
• What insurers often misunderstand about platform economics
• How to evaluate embedded partnerships from a fintech perspective
• The operational reality of integrating financial products into live platforms
• What makes an embedded model commercially viable
• How platforms think about trust, customer experience, and monetisation

If you’re a leader in insurance, fintech, or digital distribution, this episode provides a clear view into how platforms are redefining where and how financial products are delivered.

Your daily dose of insurance and fintech news for 23 February 2021

Featured in Feedspot’s Top 10 Insurance Podcasts, Kanopi's "Building Tomorrow's Insurer" embarks on a special series exploring the transformative impact of Large Language Models (LLMs) across the insurance value chain. Join host and CEO of Kanopi, Nigel Fellowes-Freeman, as he engages with thought leaders in a deep dive into the future of insurtech.

In this captivating episode, we're joined by Dr Kellie Nuttall, Lead Partner AI at Deloitte Strategy and Business Design. Dr Nuttall shares her journey from the world of statistics and psychology to advising leading organisations on large-scale AI adoption. Join Nigel and Kellie as they explore the integration of AI into the fabric of an insurance provider, from the cultural shifts required to the back-end infrastructure needed to support large-scale AI adoption.

• Uncover the delicate balance between human and AI roles, the massive task of AI education, emphasis on data purity and leadership support.
• Learn about groundbreaking AI applications in risk assessment, personalized insurance, and enhancing client interactions.

Whether you're a pro or a curious mind, this episode offers actionable knowledge for those at the AI-insurance crossroads.

Your daily dose of insurance and fintech news for 1 March 2021

Your daily dose of insurance and fintech news for 8 March 2021

Featured in Feedspot's Top 10 Insurance Podcasts, Kanopi's latest podcast series 'Building Tomorrow's Insurer' explores the cutting edge of insurtech and digital innovation in the insurance industry. Join host and CEO of Kanopi, Nigel Fellowes-Freeman as he interviews industry leaders and unpacks the latest trends shaping the future of insurance.

The future of insurance is about more than policies—it's about protection, prediction, and prevention.

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman sits down with David Lynch, Group CTO at bolttech, to explore the cutting edge of insurtech and its transformative role in the insurance ecosystem. With a wealth of experience in banking, fintech, and sustainability, David shares powerful insights on the evolving insurance value chain, the role of generative AI, and the technologies shaping the next decade of innovation.

Tune in as we discuss:
🔹 The shift from reactive claims handling to predictive and preventative protection
🔹 How bolttech connects insurers, distributors, and customers through hyperconnected networks
🔹 Practical applications of generative AI that go beyond the hype
🔹 Scaling technology across 35+ markets while adapting to local nuances
🔹 The future of hyper-personalized, real-time insurance offerings

From matching supply and demand to solving protection gaps with tech-driven solutions, this episode uncovers what it takes to deliver meaningful impact to customers and society.

Whether you're an insurance leader, insurtech entrepreneur, or tech enthusiast, David's vision for the industry's future is both inspiring and actionable.

Listen now to discover how bolttech is building the future of protection, one connection at a time.

When a single virus can wipe out computers worldwide in 24 hours, who picks up the pieces?

Meena Wahi, Australia's first cyber insurance broker and founder of Cyber & Data Risk Managers, reveals how the cyber insurance landscape has evolved since 2013—and where it's headed next. From the CrowdStrike outage that shocked boards worldwide to the fragmented nature of supply chain risk, Meena breaks down why cyber resilience isn't just a buzzword and how specialist insurers are winning the market share battle. She shares eye-opening insights from ASX 200 boardrooms, explains why Australian regulators might be too "benign," and predicts the convergence of cybersecurity and insurance. Whether you're a startup founder wondering if cyber insurance is worth it or a director trying to understand your organization's risk exposure, this conversation demystifies one of the fastest-evolving sectors in insurance. Host Nigel Fellowes-Freaman asks the questions everyone wants answered but few dare to ask.

Timestamps

• 00:00 - Introduction to cyber insurance and today's guest

• 02:15 - Meena's background: MBA at Monash, consulting at Pricewaterhouse

• 03:15 - The origin story: Researching privacy legislation and discovering cyber insurance

• 04:05 - Getting invited to New York, meeting with AIG and Chubb

• 04:35 - Becoming Australia's first cyber insurance broker in 2013

• 05:30 - Evolution of the cyber insurance market over the past decade

• 06:20 - London market perspective: CFC's leadership and market share battles

• 07:45 - How cyber wording has evolved globally and locally

• 08:50 - The role of specialist MGAs: Emergence, CFC, Coalition

• 09:20 - Why only specialists will survive in cyber insurance

• 10:30 - The aggregated risk problem: 1,000 claims in one day scenario

• 11:45 - 2017 statistic: 4 billion data breaches and $500M in claims

• 12:30 - Key changes in cyber policy coverage and trends

• 13:45 - Supply chain risk has increased dramatically

• 14:30 - The fragmented nature of internet risk and liability ownership

• 16:05 - IT supply chain partners and contingent business interruption coverage

• 17:20 - CPS 230/234 impact on technology vendors and value chains

• 18:45 - How prudential standards are driving demand for cyber insurance

• 19:45 - Why Australian regulators are 'benign and friendly' compared to the US

• 21:10 - Will increased regulatory oversight aid or hinder innovation?

• 22:15 - The board perspective: Generational gaps and skill matrix

• 23:15 - Key insights from ASX 200 AGMs and boardroom conversations

• 24:20 - The information flow problem: Board oversight vs operational reality

• 25:40 - What is cyber resilience? Breaking down the buzzword

• 27:00 - Cyber resilience as risk acceptance and resourcefulness

• 28:30 - Recovery timeframes: Hours vs months

• 29:10 - The CrowdStrike outage: What it revealed

• 29:45 - Outage vs cyber incident: Why definitions matter for coverage

• 30:45 - Are we prepared for the next global cyber incident?

• 31:30 - Educating startups and SMEs about cyber insurance

• 32:40 - The implementation challenge: Cybersecurity maturity levels

• 33:20 - Difference between education and training

• 34:00 - Affordability challenges for small businesses

• 34:45 - The underinsurance problem: $250K extensions on PI policies

• 35:30 - Future trends: Convergence of cybersecurity and insurance

• 36:10 - Warranty insurance from cybersecurity providers

• 36:45 - The need for better collaboration and feedback mechanisms

• 37:30 - Customization of cyber insurance policies

• 38:15 - Fun question: Unconventional insurance ideas

• 39:00 - The concept of subscription cyber insurance with bank accounts

• 39:50 - Final thoughts and wrap-up

Your daily dose of insurance and fintech news for 11 March 2021

Your daily dose of insurance and fintech news for 12 March 2021

Everyone in financial services is being told to move faster on AI.
Boards want innovation. Teams want automation. Regulators want stronger governance.

The problem is that most organisations are trying to balance all three at the same time.

In this episode of Building Tomorrow’s Insurer, Nigel Fellowes-Freeman sits down with Davy Ek, a senior leader with more than 20 years’ experience across operational transformation, governance and regulatory reform in financial services.

Together, they unpack one of the biggest tensions emerging in the Agentic AI era:

How do organisations embrace increasingly autonomous systems without creating risks they can’t fully explain, govern or control?

The conversation explores:

• why so many organisations remain stuck between AI experimentation and operational readiness
• how boards are thinking about oversight and accountability
• whether governance frameworks can realistically keep pace with AI capability growth
• the risks leaders may still be underestimating
• and why operational resilience, trust and decision-making discipline matter more than ever.

This episode is not about AI hype.
It’s about what happens when highly regulated industries collide with technology evolving faster than their operating models were designed to absorb.

#AI #AgenticAI #FinancialServices #Insurance #OperationalRisk #Governance #DigitalTransformation

In an era where insurance must do more than protect—it must empower—how are insurers rethinking the role of data, compliance, and design?

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman is joined by Aurora Voss, co-founder and CEO of Zemble, to explore how insurers can move from monolithic systems to modular, intelligent experiences. From reimagining claims workflows to embedding governance into the fabric of insurance tech, Aurora shares a bold and deeply practical vision for the future.

Tune in as Aurora unpacks:

• Why data isn’t just for assessing risk—it’s the foundation for stronger customer relationships

• How embedded governance can unlock innovation rather than restrict it

• What it takes to scale compliance in a digital-first world

• The “Zemble Manifesto” and how it’s reshaping how insurers work and think

• Her founder journey—from venture capital to building insurance infrastructure from the ground up

Whether you’re rethinking your claims stack or designing the next-gen data layer, this is a must-listen for insurance leaders ready to break the mold.

Kanopi's latest podcast series 'Building tomorrow's insurer'  explores the intersection of InsurTech and digital disruption in the insurance industry. 

Join host Nigel Fellowes-Freeman as he interviews industry leaders and unpacks the latest trends shaping the future of insurance. Our guest for today's episode is Dr Kaenan Hertz, Managing Partner of Insurtech Advisors and Co-Founder of Ahoy! Insurance. Kaenan has played a key role in innovating many start-ups and established carriers, having worked in leading positions with several insurance companies, banks and consulting firms like USAA, Citibank and EY. 

This episode discusses: 

• The latest developments in the InsurTech space globally
• Strategies incumbent insurers can use to accelerate innovation
• How to embrace ecosystem thinking

If you're interested in hearing from more industry leaders and domain experts in this space, watch Kanopi's virtual roundtable discussion embracing the embedded insurance movement here.  

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Got questions about embedded insurance? Talk to an expert

For more information on the latest trends in insurtech, check out Kanopi's Youtube Channel

Follow Kanopi on social media:  LinkedIn, Twitter

Featured in ⁠⁠Feedspot's ⁠⁠Top 10 Insurance Podcasts⁠⁠⁠⁠, Kanopi's latest podcast series 'Building tomorrow's insurer'  explores the intersection of InsurTech and digital disruption in the insurance industry. Join host and CEO of Kanopi, Nigel Fellowes-Freeman as he interviews industry leaders and unpacks the latest trends shaping the future of insurance.

In a compelling new episode, Nigel is joined by Simon Torrance, Founder and CEO of Embedded and Super App Strategies, and Senior Partner at Ark Ventures. A renowned speaker and influencer in the insurtech space, Simon is known for his expertise in educating insurers about the burgeoning opportunities in insurtech and addressing the insurance gap.

This episode promises a deep dive into the innovative world of insurtech. Simon shares his invaluable insights on how emerging technologies and new business models are not just filling gaps in the market but actively transforming the insurance landscape.

If you’re interested in understanding the cutting-edge shifts in the insurance industry and how they can be harnessed for future growth, this conversation with Simon Torrance is a must-listen.

Learn more about Insurance as a Service and how insurers can benefit from it in this blog article

In this episode, Kanopi's Chief Technology Officer - Martin Nuber breaks down the basics of Insurance as a Service, which is all about delivering insurance experiences through software. 

Building on the advent of 'xaas', insurance as a service is an industry-specific type of software-as-a-service. This software, or the technology platforms underpinning it, are often built from the ground up to be flexible so that it can be integrated and delivered into any digital platform, ecosystem or medium available.  

For more updates on insurance technology, make sure to follow Kanopi's YouTube channel.

Follow Kanopi on social media:  LinkedIn | Twitter 

Learn more about how insurers can improve their speed-to-market and become more competitive in this blog post. 

A company that is first to offer a new insurance product or update has less competition. Moving quickly to adjust to trends such as climate change, the move to remote work, and driverless cars can help an insurer capitalise on new coverage needs while others lag. 

Speed to market depends on an insurer’s technology, internal processes and available resources. And in today’s fast-changing world, the ability to react to changes quickly is key to success. 

Gareth Plummer - Head of Product at Kanopi presents some tips insurers can use to increase their speed to market. 

For more updates on insurance technology in general, make sure to follow Kanopi's YouTube channel.

Follow Kanopi on social media:  LinkedIn -  Twitter 

Your daily dose of insurance and fintech news for 9 March 2021

Featured in Feedspot’s Top 10 Insurance Podcasts, Kanopi's "Building Tomorrow's Insurer" embarks on a special series exploring the transformative impact of Large Language Models (LLMs) across the insurance value chain. Join host and CEO of Kanopi, Nigel Fellowes-Freeman, as he engages with thought leaders in a deep dive into the future of insurtech.

Kicking off this series, our first episode features a conversation with Peter Tilocca, a seasoned expert in underwriting, renowned for his pioneering work at Zurich and ANZ. With over 15 years in the field, Peter brings a wealth of experience and innovation to the table.

This episode is an unmissable exploration for anyone intrigued by the applications of LLMs in insurance. Dive into the world of underwriting with Peter and Nigel who discuss everything from:

• The evolution of traditional underwriting processes
• The potential areas and challenges of implementing LLMs in underwriting.
• The ethical considerations of adopting LLMs

Join us for a deep dive into the balance of technology and human intuition in shaping the future of underwriting.

When disaster strikes, speed and coordination make all the difference.

In this episode of Building Tomorrow’s Insurer, host Nigel Fellowes-Freeman sits down with Sam Ratcliff, COO of InsureBuild, to explore how technology, logistics, and human connection come together to transform claims.

From building a nationwide subcontractor network to deploying RPA and machine learning in repair management, Sam shares how InsureBuild is streamlining the claims process—without losing sight of the customer.

Tune in for insights on:

• Building and managing a 1,700-strong contractor network

• Using automation and AI to reduce claim cycle times

• Designing tech to serve people first, not just processes

• Why builders are the unsung heroes of disaster recovery

For anyone working in claims, repair, or customer experience, this is a must-listen.

How do you grow a business fast—without losing what made it special?

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman sits down with Katie Stranaghan, Head of Financial Lines at High Street Underwriting Agency, to explore how High Street scaled from a small family business to one of Australia’s leading underwriting agencies while keeping people and culture at the core.

Katie shares her journey from joining High Street straight out of school to helping shape its next chapter of growth, technology, and leadership.

Tune in as she discusses:

• Building technology that enhances—not replaces—human connection

• Maintaining authenticity during rapid expansion

• How culture drives customer experience

• The next evolution of underwriting and broker partnerships

For anyone scaling a business or leading through change, this episode is packed with lessons on staying grounded while moving fast.

How do insurers balance innovation with an ever-tightening web of regulation?

In this episode, host Nigel Fellowes-Freeman sits down with award-winning litigator and regulatory specialist Kezia David to unpack the forces reshaping insurance in Australia and beyond.

Kezia shares:

• Why ASIC’s crackdown is changing every stage of the policy lifecycle

• The biggest blind spots insurers still face—and how to address them

• How innovation and compliance can (and must) work together

• What startups need to know to avoid regulatory pitfalls

• Why proactive, customer-first approaches to Nat Cat events matter more than ever

A sharp, timely conversation for anyone navigating the next wave of accountability and customer expectation in insurance.

Is the traditional insurance cycle dead? As capital, technology, and consumer expectations shift at an unprecedented pace, insurers can no longer rely on historical patterns of hard and soft markets to drive their strategies.

In this episode ofBuilding Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman sits down with Bryan Falchuk—bestselling author, insurtech advisor, and CEO of PLRB—to explore the forces reshaping the industry.

Tune in as Bryan shares:
🚀 Why insurers must abandon the cyclical mindset and embrace constant evolution
📉 How AI and data-driven underwriting will redefine profitability
🔄 The rise of embedded and dynamic insurance models
🤝 The secret to successful insurer-insurtech collaboration

With leadership transitions and rapid AI adoption on the horizon, the next decade will bring a fundamental shift in how insurers operate. Are you ready for it?

Listen now to gain insights that will shape the future of insurance. 🎧

Featured in ⁠⁠Feedspot's Top 10 Insurance Podcasts⁠⁠, Kanopi's latest podcast series 'Building tomorrow's insurer'  explores the intersection of InsurTech and digital disruption in the insurance industry. Join host and CEO of Kanopi, Nigel Fellowes-Freeman as he interviews industry leaders and unpacks the latest trends shaping the future of insurance.

In this captivating episode of "Building tomorrow's insurer," host Nigel Fellowes-Freeman sits down with Sam White, the remarkable Founder and CEO of Stella Insurance, to discuss her inspiring journey in the insurance industry.
Join us as we discover how Sam's passion for empowering women and her vision for a more compassionate and intuitive insurance experience led her to establish Stella Insurance, a groundbreaking venture that has already made waves UK and now in Australia.
Get access to invaluable insights into:-

• The concept of feminine insurance and why it is crucial in today's world
• The changes that must occur within the insurance industry to foster compassion and create a more intuitive and customer-centric approach for women
• A look into the future of insurance with telematics and big data

As a passionate advocate for diversity, equality, and innovation, Sam outlines her vision for Stella Insurance and its role in revolutionizing the insurance industry. 
Don't miss this engaging episode filled with wisdom, inspiration, and a fresh perspective on the future of insurance. Tune in to "Building tomorrow's insurer" now!
Note: Sam White is the multi-award-winning CEO of Freedom Services, which includes various insurance businesses in the UK and Australia.

Insurance policies aren’t just complex - they’re overwhelming. For brokers, underwriters, and customers alike, navigating thousands of pages of wording can feel like an impossible task.

In this episode of Building Tomorrow’s Insurer, host Nigel Fellowes-Freeman sits down with Jasmin Flori-Hess, Co-Founder of Raindrop, to explore how her startup is tackling one of insurance’s most overlooked challenges: policy complexity.

From Switzerland to Darwin, Jasmin shares her journey from corporate communications and change management to founding an insurtech powered by AI, machine learning, and natural language processing. Raindrop is on a mission to make policy wordings clearer, compliance more accurate, and the customer experience more transparent.

Tune in to hear:

• Why policy complexity is one of the industry’s biggest risks—and opportunities

• How Raindrop builds AI pipelines trained by insurance experts, not just generic models

• The role of trust, accuracy, and explainability in insurance AI

• What a future of hyper-personalised, customer-first insurance could look like

If you’re a broker, underwriter, or insurtech builder, this episode is packed with insight into how AI can simplify the most complex part of insurance.

What does it take to transform restaurant insurance into a data-rich, tech-forward experience that truly supports small businesses?

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman is joined by Bill Deemer, Head of Insurance at Rainbow, to explore how his team is redesigning small business insurance from the ground up. From launching in high-risk markets like Texas to building a platform tailored for restaurants and service-based SMEs, Rainbow is bringing discipline and innovation back to underwriting.

Tune in as Bill shares:

• Why restaurants were Rainbow’s first frontier—and what they learned

• How deeper, industry-specific data unlocks better coverage and pricing

• The role of agents, relationships, and real-world insight in commercial insurance

• Why Rainbow’s approach to prevention and risk visibility goes beyond the claims process

• What’s next: scaling to beauty, wellness, and beyond

For anyone working in commercial lines, MGA growth, or insurance tech strategy, this is a must-listen episode on how to build coverage that truly serves small businesses.

Featured in ⁠⁠Feedspot's ⁠⁠⁠⁠⁠Top 20 Insurance Podcasts⁠⁠⁠⁠⁠⁠⁠, Kanopi's latest podcast series 'Building tomorrow's insurer' explores the intersection of InsurTech and digital disruption in the insurance industry. Join host and CEO of Kanopi, ⁠Nigel Fellowes-Freeman⁠, as he interviews industry leaders and unpacks the latest trends shaping the future of insurance.

In this eye-opening first instalment of our two-part series, host Nigel dives deep into the challenges facing the Australian insurance industry with transformation expert Troy Barnes.

Troy, previously Chief Officer Omne at FWD Insurance and ex-Chief Customer/Digital Experience Officer at Pizza Hut APAC, shares his wealth of experience in driving digital transformation across multiple countries and industries.

Key topics covered:

• The root causes of stagnation in the Australian insurance market
• Debunking myths about legacy tech holding back digital transformation
• Strategies for growth in an aging market with rising living costs
• How to achieve rapid digital transformation in weeks, not years
• The urgent need to engage younger demographics (21-35) with relevant, digital-first insurance products

Troy provides actionable insights on how insurers can break free from the cycle of stagnation, drive innovation, and rebuild trust in the sector. Learn how he achieved NPS scores of 80+ in insurance and transformed operations across 13 countries in just one year.

Don't miss this crucial discussion on finding new growth in a challenging landscape. Stay tuned for Part 2, coming soon!

#InsurTech #DigitalTransformation #AustralianInsurance #InsuranceInnovation

Featured in Feedspot's Top 10 Insurance Podcasts, Kanopi's latest podcast series 'Building Tomorrow's Insurer' explores the cutting edge of insurtech and digital innovation in the insurance industry. Join host and CEO of Kanopi, Nigel Fellowes-Freeman as he interviews industry leaders and unpacks the latest trends shaping the future of insurance.

What does it take to redefine pet insurance for a digital-first world? Guy Farley, CTO and Co-founder of ManyPets, shares the groundbreaking journey that transformed a niche insurtech startup into the third-largest pet insurer in the UK. In this episode Guy Farley dives deep into the story behind ManyPets’ success, exploring the innovative technologies, data-driven strategies, and lessons learned along the way. From pioneering new approaches to pet insurance claims to integrating advanced technology for scalability, this episode is packed with insights for insurtech leaders. Tune in as Guy discusses: - The unique challenges of scaling pet insurance during a global pet ownership boom - How ManyPets leveraged technology to streamline claims and enhance customer experience - The balance of building, partnering, and buying in a modern tech stack - Emerging trends in insurtech and the role of AI and machine learning in the future of insurance - What MGAs can learn from ManyPets’ journey about standing out in competitive markets If you’re curious about how technology, creativity, and customer-centricity can transform insurance, this episode is not to be missed. Stream now to hear from one of insurtech’s most innovative leaders!

Your daily dose of insurance and fintech news for 3 March 2021

As consumers across the world emerge from crisis mode after two years spent in the grip of COVID-19, they expect an elevated level of service from their insurers. Over the past two and a half years life has been in fast-forward mode, requiring us all to rapidly change the way we live our lives. Ecosystem-style services have blossomed in nearly every industry, addressing every aspect of customer demand and in some cases even anticipating them beforehand. But insurance is still viewed as a late bloomer in this space. 

Innovation and agility are the need of the hour, as insurers pivot their operating models to seamlessly blend the physical and digital aspects of customer experience. Kanopi's Founder and CEO Nigel Fellowes-Freeman explains why customers are expecting more out of their insurers and how insurers can respond effectively. 

To learn more about customer expectations in 2022 read the full article here. 

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Insurance for small businesses has always been complex, expensive, and underserved. But what if technology and partnerships could change that?

In this episode of Building Tomorrow’s Insurer, host Nigel Fellowes-Freeman sits down with Eric Mignot, Founder and Chairman of +Simple, to explore how one of Europe’s most ambitious digital brokers is reshaping SME insurance.

From CFO at Suez, to leading Hiscox, to launching +Simple, Eric’s journey shows how insights from telecoms, utilities, and digital banking inspired him to reinvent insurance distribution.

Tune in to hear:

• Why expense ratios—not loss ratios—are the real challenge in SME insurance

• How +Simple scaled to 14,000 brokers across five countries

• The role of technology in simplifying underwriting, claims, and accounting

• Why programmatic M&A and capacity pooling became game-changers

• Eric’s lessons on raising capital, partnering smartly, and scaling across Europe

This is a must-listen for anyone building insurtech, rethinking distribution, or leading digital transformation in insurance.

As insurers look ahead to 2026, one question looms large: how do you stay trusted, relevant, and competitive in a world shaped by platforms, AI, and rising customer expectations?

In this standout end-of-year episode of Building Tomorrow’s Insurer, Kanopi Founder & CEO Nigel Fellowes-Freeman is joined by Emma Fawcett, CEO of Compare Club - Australia’s largest independent comparison platform.

Emma brings a rare perspective shaped by leadership roles at MYOB, News Corp, and now the centre of insurance distribution. Together, they explore what insurers can learn from platforms that sit closest to customer decision-making.

This conversation dives into:

• Why value matters more than price in modern insurance

• How comparison platforms are reshaping trust, advice, and distribution

• The role of data and AI in delivering personalisation without crossing the “creepy” line

• Where insurers are missing opportunities across claims, complaints, and lifecycle moments

• How partnerships, ecosystems, and comparators can fuel smarter product design

• What agentic AI really means for insurers, and where human expertise still matters most

If you’re thinking about customer experience, platform partnerships, AI adoption, or the future of insurance distribution, this is a must-listen conversation to close out the year.

"Insurtech start-ups make up a tenth of all companies that have achieved unicorn status in the global fintech space, making the sector among the industry’s strongest players." - Centre for Finance, Technology and Entrepreneurship (CFTE) Report 2022 

But the shift towards ecosystems goes beyond just tech-led unicorns. In fact, it reflects a broader move away from vertical integration and towards compelling new value propositions from independent, specialised and modular players. The result? A radically changed economic landscape. 

Within the next decade, no sector will be left untouched and insurance is no exception. 

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Get insights from some of the insurance industry's brightest minds in Kanopi's virtual roundtable discussion "Embracing embedded insurance". Join our panel as they discuss the next iteration of embedded insurance and its impacts on the insurance value chain. Watch the video: https://blog.kanopicover.com/on-demand-embracing-embedded-insurance

What you'll learn:

✔️ How various players in the insurance value chain are approaching and planning for the embedded insurance 2.0 revolution

✔️ How major players in other industries are succeeding through strategic partnerships

✔️ How incumbents, insurtechs and new entrants can generate new value and net new growth for the industry through collaboration