Executive Summary

Kitty Ambers, the chief growth officer at AVYST writes that she once might have agreed with InsurTech alarmists who view startups in the space as disrupting the insurance industry at any cost. Now, she views the companies "as enablers with the potential to transform our industry."

If you had visited the Berlin Industrial Exposition of 1879, you would have been transfixed by a new kind of train that seemed to move by invisible means. It was powered not by steam but by electricity flowing through a third rail. The world’s first electric railway, it made clean, efficient mass transit possible. Yet the third rail also posed a danger. It carried hundreds of volts of electricity, enough to kill someone who accidentally touched it.

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