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of Clearcover and Dearborn Labs to explore why the first wave of digital transformation in insurance may already be outdated.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.

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.  

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
• 
  

This episode is packed with actionable insights and forward-thinking perspectives for anyone navigating the evolving insurance landscape.

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.

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.

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.

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.

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.

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.

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.

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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Joining us in today's episode is CEO of Insurtech Australia, Simone Dossetor. Heading up a national not-for-profit organisation with a vision to create a world-leading insurtech ecosystem, Simone's goal is to create a diverse community of insurance innovation and collaboration across the Australian insurance industry. Her breadth of experience on the corporate side and the not-for-profit side as Chief Operating Officer for Munich Re and Non-Executive Director of ANZIIF respectively, gives her a unique perspective of the vibrant insurtech market in APAC.

In this episode we'll explore:

• The forces driving innovation within the insurance industry
• The unique strengths and challenges of the Australian insurtech ecosystem
• The opportunities for collaboration and expansion both within the region and globally
• Predictions for the insurtech market in 2023

Get ready to be inspired and informed as we explore the cutting edge of the insurance industry with Simone Dossetor. Tune in now!

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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.

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.

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.

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

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

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.

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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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.

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.

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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 

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.

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.

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.

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.

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. 🎧

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.

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.

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.

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

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!

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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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.

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.

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

In this illuminating episode of Building Tomorrow's Insurer, host Nigel Fellowes-Freeman is joined by Daniel Elliott from Blake Oliver Consulting. With extensive experience in talent acquisition and management across the insurance and insurtech sectors, Daniel provides unique insights into the evolving landscape of talent in the insurance industry. Here are some key themes covered in this episode:

• The changing dynamics of talent acquisition in the APAC insurance market
• Strategies for attracting top tech talent to the traditionally "unsexy" insurance sector
• The impact of AI and digitalization on hiring practices and job roles
• How to future-proof talent pipelines in a rapidly evolving industry
• The potential for "acqui-hires" in the insurtech space
• Balancing technical skills with cultural fit in recruitment
• The importance of diversity, equity, and inclusion in building tomorrow's insurance workforce

Whether you're an insurance executive looking to build a cutting-edge team, an HR professional in the financial services sector, or an insurtech entrepreneur aiming to attract top talent, this episode is a must-listen. Tune in for Daniel Elliott's expert insights on navigating the talent landscape and building the workforce that will shape tomorrow's insurer.

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman sits down with John Warburton, CEO and Co-Founder of Konsileo and Co-Chair of InsurTech UK. From cutting his teeth in regional branch offices to building a tech-driven brokerage with a people-first model, John shares a refreshingly human take on the future of insurance.

🔹 Why the real disruption in broking is cultural—not just digital
🔹 The untapped potential of brokers as “insurance artisans”
🔹 What insurers can learn from Robocop, Iron Man—and the SAS
🔹 How Konsileo is rethinking everything from commissions to capability

This episode is a masterclass in blending technology with human insight—and why the next wave of insurance innovation might feel more personal, not less.

In this insightful episode of Building Tomorrow's Insurer, host Nigel Fellowes-Freeman is joined by Dr. Andrew Johnston, the author behind Gallagher Re's influential quarterly insurtech reports. With extensive experience in analyzing global insurtech trends, Dr. Johnston provides a unique perspective on the evolving landscape of insurance technology. Here are some key themes covered in this episode:

• Unpacking key findings from Gallagher Re's Q2 2024 Insurtech Report
• The shift towards B2B models and strategic investments in insurtech
• Exploring the growing role of AI in insurance and reinsurance
• Navigating regulatory challenges in the age of AI and insurtech
• The future of insurance and predictions for the next decade
• Advice for insurtechs navigating the current market landscape

Whether you're an insurtech entrepreneur, an insurance industry professional, or interested in the future of financial services, this episode is a must-listen. Tune in for Dr. Andrew Johnston's expert insights on the transformative trends shaping tomorrow's insurer.

In this riveting episode of Building Tomorrow's Insurer, host Nigel Fellowes-Freeman is joined by Alex Taylor, Global Head of Emerging Technology at QBE Ventures. With extensive experience in innovation, disruption, and futurism in the insurance industry, Alex provides a unique perspective on the rapidly evolving forms of emerging technology in insurance. Here are some key themes covered in this episode: 

• The transformative role of artificial intelligence (AI), machine learning (ML), and large language models (LLMs) on the insurance industry
• Exploring the impact of emerging technologies like geospatial imaging on claims processing
• Navigating the tricky balance between policy and progress
• Uncovering the potential applications of crypto and NFTs in insurance 
• Establishing a blueprint for navigating disruption for next-gen insurers

Whether you're a tech enthusiast, an innovative insurer or interested in ventures, this episode is a must-listen. Tune in for Alex Taylor's invaluable insights.

In this episode of Building Tomorrow’s Insurer, Walter de Oude, Founder and CEO of Chocolate Finance (and previously Founder of Singlife), joins Kanopi CEO Nigel Fellowes-Freeman for an honest conversation about risk, reinvention, and the blurry lines between banking, insurance, and asset management.

Walter shares his journey from actuary to founder, including:

• The hard-won lessons of launching Singapore Life from scratch

• Why branding and customer trust can be a company’s strongest assets

• How he’s now building Chocolate Finance, a capital-light model for smarter, happier money

• What the future of financial ecosystems might look like as banks, insurers, and asset managers converge

This one’s for anyone fascinated by where finance goes next—and what it takes to build something truly new.

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman speaks with Lynn Roehrig, Head of Business Development at Descartes Underwriting, about the growing role of parametric insurance in a world where natural catastrophe (nat cat) risks are accelerating.

They unpack how parametrics shift the conversation—from loss adjustment and delays to real-time data, pre-agreed payouts, and clarity for risk managers and brokers alike.

🎙️ Tune in to hear:

• How parametrics are complementing traditional insurance—not replacing it

• Why speed, transparency, and automation matter more than ever

• What clients and brokers are asking for in the face of climate risk

• How underwriting is evolving through AI, satellite data, and modelling at scale

This episode is essential listening for anyone involved in commercial lines, reinsurance, NatCat, or product innovation.

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman sits down with Marc Crossman, Executive GM of Distribution and Strategy at UAA Group, to unpack what it takes to lead transformation in today’s market.

Tune in as Marc shares:

• Why distribution strategy is shifting from visibility to value

• How UAA is embedding tech and culture to drive transformation

• Lessons from leading teams across Australia and Singapore

• The future role of underwriting agencies in insurance

For leaders navigating change and growth in underwriting, this episode is a must-listen.

In this riveting episode of "Building tomorrow's insurer", host Nigel Fellowes-Freeman sits down with Rachel Olney, the dynamic founder and CEO of Geosite. Dubbed the "Google Drive of geospatial", Geosite is revolutionizing the way commercial and government entities access and utilize satellite, drone, and IoT data.

If you've ever wondered about the transformative power of geospatial imaging in insurance, then this episode is for you. Dive deep with us into a thought-provoking discourse on how geospatial technology is not just about maps, but a game-changer for the insurance industry.

In this insightful episode, Nigel sits down with Alison Cameron, Head of Risk and Regulation at HammondCare and Head of Governance, Risk & Compliance at Youi Insurance. With over 24 years of experience in the financial services industry across the United States, Hong Kong, and India, Alison brings a wealth of knowledge in governance, risk management, and regulatory compliance.

The conversation delves into critical topics shaping the insurance industry:

1. The evolving regulatory landscape post-Hayne Royal Commission
2. Strategies for proactive engagement with regulators
3. Balancing innovation with risk management and compliance
4. The importance of data governance and cybersecurity
5. Addressing the needs of indigenous communities in financial services
6. The future of insurance regulation and compliance

Alison shares valuable insights on fostering a culture of compliance while encouraging innovation, the challenges of implementing new technologies like AI, and the importance of transparency in regulatory relationships. She also discusses her work with the ASIC Indigenous Financial Framework Committee and her vision for a more inclusive insurance industry.

Whether you're a seasoned insurance professional or new to the industry, this episode offers crucial perspectives on navigating the complex interplay of risk, compliance, and innovation in the rapidly evolving insurance landscape.

In this compelling episode of Building Tomorrow's Insurer, host Nigel Fellowes-Freeman is joined by Natasha Gale, CEO of ARAG Services Australia, a pioneering force in legal expense insurance. With over 25 years of experience across banking, premium funding, and insurance, Natasha brings a wealth of knowledge and a passionate commitment to democratizing access to justice through innovative insurance solutions.

Key themes covered in this episode:

• The emergence and importance of Legal Expense Insurance (LEI) in Australia
• Breaking down barriers to legal access through innovative insurance solutions
• The role of technology in evolving insurance products and claims processing
• Addressing the growing protection gap in Australian insurance
• The intersection of social justice and insurance innovation
• Partnerships and collaboration in developing specialized insurance products
• The future of underwriting agencies and product innovation

Whether you're an insurance professional, broker, or interested in the evolution of financial services, this episode offers valuable insights into how innovative insurance products are reshaping access to legal services. Join us as Natasha Gale shares her vision for a more equitable insurance landscape and the role of Legal Expense Insurance (LEI) in Building Tomorrow's Insurer.

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman speaks with Steve Tunstall—board director, risk expert, and founder of PARIMA.org and Inzsure. With over 30 years of experience across Asia and global markets, Steve has led risk management for companies like Cathay Pacific and Jardine Pacific and is deeply engaged in how insurers must adapt to remain relevant.

Tune in as Steve shares sharp insights on:
🔹 Why Asia’s insurance penetration lags behind mature markets—and how to close the protection gap
🔹 The role of embedded insurance in reaching underinsured populations
🔹 How climate risks and NATCAT losses will reshape the global reinsurance market
🔹 Whether large insurers can survive another decade without true transformation
🔹 The critical role of storytelling in rebuilding trust in insurance

If you’re interested in the intersection of risk, regulation, and innovation, this episode is packed with thought-provoking takeaways. Don’t miss it!

In this episode, we're thrilled to welcome Gonzalo Rodriguez, Head of Group B2B2C Partnerships at Generali, one of the largest global insurance and asset management providers. Join us as Gonzalo delves deep into the concept of the protection gap in society and the importance of offering compelling value propositions to address it. He shares his expert perspective on how insurers can leverage marketing strategies and innovative partnerships to create tailored solutions that resonate with their target audience.
In this episode we'll explore: 

• How embedded insurance is revolutionizing the user experience in the insurance landscape 
• Gonzalo's thoughts on the latest technological advancements and the opportunities they present for insurers 
• The power of collaboration and how fostering strong partnerships can drive the insurance industry forward 

Don't miss this engaging and informative conversation with one of the industry's leading experts on the future of insurance, marketing, and partnerships. Tune in now and discover the strategies and insights that are shaping tomorrow's insurer. 

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman sits down with Skye Theodorou, Co-founder and CEO of upcover, to talk about building a digital-first insurance platform that empowers small business owners through speed, simplicity, and deep operational empathy.

From founding upcover via Antler, to scaling nationally with a multi-niche strategy, Skye shares the hard-won lessons of raising capital, hiring globally, and automating 20% of her business every few months.

Tune in as Skye shares:

• How upcover is using automation and AI to simplify SME insurance

• What it takes to deliver both compliance and speed in regulated markets

• Why trust, transparency, and customer understanding are non-negotiables

• How she’s scaling a remote-first team—and changing lives along the way

• What the future holds for SME insurance, data, and embedded experiences

If you’re building in insurtech, distributing SME cover, or just want to hear how real impact meets smart innovation—this one’s for you.

The effects of climate change may seem relatively innocuous to insurers, but because climate risk is systemic, it is likely to stress local economies and cause market failures that affect both consumers and insurers. This can make insuring some risks unaffordable for customers or unprofitable for insurance companies. 

In this episode, listen to Kanopi CEO and Founder, Nigel Fellowes-Freeman suggest 4 tips that can help insurers better prepare for the inevitable risks climate change will bring to the insurance industry. 

For more information about insurance technology, make sure to follow Kanopi's YouTube channel. 

For more updates from Kanopi, follow us on social media:  LinkedIn | Twitter 

• Redefining customer-centricity in insurance
• Transforming claims into a "moment of trust"
• Leveraging technology for rapid, transparent claims processing
• Developing proactive intervention strategies to enhance customer well-being
• Balancing cost pressures with customer value
• Exploring the potential of embedded insurance and strategic partnerships

Troy shares his experience in achieving remarkable customer engagement, including the rapid adoption of a health and lifestyle platform by 4 million users across ten countries. He offers a thoughtful perspective on how insurers can transition from passive risk managers to active, trusted partners in their customers' lives.

This episode provides a nuanced exploration of the challenges and opportunities facing the insurance industry, offering strategic insights for leaders committed to driving meaningful change. Join us for a discussion that goes beyond surface-level solutions, delving into the core of what it means to build lasting customer relationships in today's dynamic insurance market. #InsurTech #CustomerTrust #InsuranceInnovation #DigitalTransformation #AustralianInsurance

Insurers want to increase revenues, reduce costs, encourage customer loyalty and promote brand recognition, like any other business. And emerging technologies are absolutely critical to achieving those goals.  

Customers are embracing digital channels and are becoming more used to automated services, and expect companies to respond to their needs quickly and deliver personalised, easy-to-use experiences. That is why insurtech companies help insurers stay ahead of the game by offering new capabilities that are better suited to today’s changing insurance market.

In this episode, Gareth Plummer - Head of Product at Kanopi, explains in under 5 minutes the implications of digital transformation within the insurance industry and how insurers stand to benefit from it.    

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

Stay up to date with all things Kanopi on social media:  LinkedIn | Twitter 

Our guest for today's episode is Andrew Rear, Non-executive Director at MEDGULF, ex-CEO of Digital Partners (Munich Re). Andrew has extensive experience in the insurance industry and brings a unique perspective on how technology is transforming the sector. From growing insurance businesses in UK, Africa and Asia to his current role at MedGulf, Andrew has a deep understanding of the challenges and opportunities in the insurance space. In this episode, we'll delve into his thoughts on: 

• Rise of insurtech and comparison to trends in fintech
• The evolving role of players in the insurance industry and;
• Future predictions for the insurtech market in 2023.

Get ready to be inspired and informed as we explore the cutting edge of the insurance industry with Andrew Rear. 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

• Anita’s journey and her passion for insurance
• Changing attitudes to innovation and technology within the industry
• The vision for Solution Underwriting and the importance of investing in people

Join us as we dive deep into the world of insurance with Anita Lane, and gain valuable insights and perspectives from one of the industry's brightest minds. 

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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

The event brought together leading insurers and domain experts who provided varying perspectives on the paradigm shift in insurance today and the race to digitise.   

Learn about  

• Current areas of insurance where collaboration is booming
• Common challenges faced by insurers and insurtechs when partnering
• Discussions to have early on in the partnership to ensure success  

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 

Technology is transforming the insurance industry. New capabilities and efficiencies mean insurers must keep up with new apps and software and insurtech services can give them a competitive edge. Part of competing means keeping costs low, mostly by implementing new technology while keeping legacy systems running.  Controlling and reducing costs can give an insurance company a competitive advantage and increase profitability.   

Sonali Merhotra, Product Manager at Kanopi sheds some light on how emerging technologies can be the doorway to lower operating costs and new areas of revenue.  

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

Follow Kanopi on social media:  LinkedIn | Twitter 

This is the first, raw bash at a concept I have been procrastinating over for months, so I am just hitting publish to get over that hump!

The concept is simple; ‘insurance in 60’, a daily insurance roundup in 60 seconds.

With it being the first episode I thought I would give a little context. I sit down each morning and trawl through the news, keep across what’s new and so I thought wouldn’t it be great to short circuit this process for everyone else.

The aim is simple; in just 60 seconds whilst brushing your teeth or having your morning coffee, get up to date with what is new insurance, all things insurtech and with occasional a sprinkle of fintech news, so you don’t have to look for it yourself.

Take 60 seconds out of your day and see what you think!

(The timing with news, publishers and social is co-incidental, but an interesting co-incidence!! More beautiful editing to come!)

Alex Taylor, Global Head of Emerging Technology at QBE Ventures, cuts through the noise in this no-nonsense conversation about what's actually working in insurance AI - and what's failing spectacularly.

Discover why agentic AI isn't just "fancy RPA," how insurers are running shadow mode tests to prove AI can outperform human underwriters, and why the real barrier isn't technology, it's data strategy. Alex shares jaw-dropping examples from software development (27-hour autonomous coding sprints!) and explains how insurers are moving from chatbot failures to genuine operational transformation.

Key insights: the difference between vibe coding and provable AI, why observability matters more than accuracy, Microsoft-Allstate's governance playbook, and the one thing every insurance CIO must do in the next 30 days.

If you're responsible for AI strategy, digital transformation, or innovation in insurance, this episode delivers the practical framework you've been missing. No vendor pitches. Just real talk about implementation, regulation, partnerships, and what separates AI winners from the FOMO-driven crowd.

Timestamps

• 0:00 - Introduction - Alex Taylor & QBE Ventures

• 1:30 - The shift from 'what's possible' to 'what works' in insurance AI

• 2:15 - Why insurers underinvested in technology (and why it made sense)

• 3:45 - The real problems insurers are trying to solve with emerging tech

• 5:00 - Internal pressures: cost, complexity, and competitive speed

• 6:20 - Customer expectations and the value proposition (spoiler: they don't care about AI)

• 7:30 - What actually changed in the last 12-18 months

• 8:30 - Agentic AI explained: beyond classical generative AI

• 9:45 - The critical difference between agentic AI and RPA

• 11:20 - The operating system experiment: 27 hours of autonomous coding

• 13:00 - Inversion of control: humans as engineering managers

• 14:30 - Build vs buy vs partner: how the calculation has changed

• 16:15 - What the ideal tech stack looks like: people, process, tech, governance

• 17:45 - The regulatory complexity and governance requirements

• 18:30 - Snorkel's AI leaderboards and model certification

• 19:45 - Case study: What didn't work (the chatbot mistake 99% made)

• 21:30 - What actually works: agents as employees, not buttons

• 22:15 - Metrics that matter: measuring AI against human baselines

• 23:30 - Shadow mode testing: running parallel systems for 12 months

• 25:00 - Partnership models: how CVCs accelerate experimentation

• 26:30 - QBE's Lighthouse Program: 3-week proof of value

• 27:45 - Cutting through the hype: what's real vs. overstated

• 28:45 - The one thing to do in the next 30 days: know where your data is

• 30:00 - Closing thoughts and where to follow Alex's content

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman sits down with Angus McDonald, CEO of CoverGenius, to unpack the company’s remarkable journey. From disrupting traditional distribution to building partnerships with global tech giants, CoverGenius has redefined what it means to deliver protection.

Tune in as Angus shares:

• The vision behind CoverGenius and its rise as a global embedded insurance leader

• Key lessons from scaling a tech-first insurance business

• How embedded insurance is shaping the future of customer protection

• The challenges insurers face in adapting to this new model—and how to overcome them

For insurance leaders looking to innovate, this episode is a must-listen. Don’t miss this deep dive into the CoverGenius success story with Angus McDonald.

In this episode of Building Tomorrow’s Insurer, Nigel Fellowes-Freeman sits down with Ed Wiley (Head of Growth, Monoova) and David Greene (Chief Commercial Officer, Monoova) to unpack one of the most overlooked transformation opportunities in insurance: how money actually moves.

Monoova’s team has spent decades reshaping payment infrastructure across industries. Today, they break down what insurers need to know — and what they can learn from more advanced sectors like e-commerce, utilities, and cross-border payments.

In this episode:

• Why insurance payments are “stuck in the ’90s”

• How real-time payments (NPP & PayTo) unlock instant customer delight

• The hidden cost of direct debit — and why BECS deprecation makes change unavoidable

• What e-commerce can teach insurers about conversion and checkout journeys

• Automating reconciliation: the 5% problem that drives 95% of customer complaints

• How partners can help insurers modernise without multi-year transformation

• The future of payments: ubiquity, automation, and AI-enabled money movement

Whether you’re an insurer, an underwriter, or an insurtech founder — this episode gives you a clear view of where payments are heading, and why the next five years will redefine how premiums and claims flow.

In this episode, host and Kanopi CEO Nigel Fellowes-Freeman speaks with Karen Stephens, CEO of BCyber, about the shifting landscape of cybersecurity and what insurers, brokers, and business owners must do to stay ahead of emerging threats.

With over two decades in financial services and cybersecurity, Karen brings sharp insight, practical advice, and a dose of dry wit as she breaks down the human, emotional and financial cost of cyber breaches—and how to mitigate them.

💥 Topics include:

• Why cyber is everyone’s problem, not just IT’s

• How brokers can better explain what’s actually covered in a cyber policy

• The rise of ransomware-as-a-service and AI-powered fraud

• The real meaning behind “progress, not perfection” in cyber hygiene

• Why "Trust nobody, verify everything" should be your new motto

Whether you're a broker, insurer or just wondering what the heck a deepfake voice attack is—this episode will leave you informed and alert.

🎧 Listen now and join the conversation about what it really takes to insure against cyber in a rapidly evolving threat landscape.

#CyberRisk #Insurtech #SMEs #CyberSecurity #InsurancePodcast #BuildingTomorrowsInsurer #KarenStephens #Kanopi