Policy in Wonderland

What happens when one of the most important insurance markets in the world comes under pressure?In this episode of Policy in Wonderland, Evy Amira — founder of Wonders Bridge, insurance advisor, and host of Policy in Wonderland — sits down with Patrick Wolff, financial analyst, insurance professional, two-time U.S. chess champion, and candidate for California Insurance Commissioner, for a deep conversation about the state of California’s insurance market and where it may be heading next.Together, they discuss:♟️ What fundamentally broke in California’s insurance market♟️ Wildfires, catastrophe exposure, and systemic risk♟️ The rapid growth of the FAIR Plan♟️ Why California may be lagging in insurance innovation♟️ AI, underwriting technology, and prevention models♟️ The role of regulation in catastrophe-exposed markets♟️ How incentives can be aligned to reduce losses and improve resilienceThey also explore broader questions around insurance regulation, market structure, transparency, and the future relationship between technology and traditional insurance carriers.And finally, Evy asks Patrick one unexpected question:Which insurance industry figure would he invite to a chess match — and why WB was his answer 👀California’s Insurance Commissioner election will take place on June 2, 2026, making this one of the most important regulatory conversations in the insurance industry today.Important disclaimer:This episode is intended solely for educational and professional discussion purposes.It does not constitute political endorsement or support for any candidate or political position. The purpose of this conversation is to provide meaningful insight, professional analysis, and thoughtful discussion around insurance markets operating under pressure.#Insurance #Insurtech #CaliforniaInsurance

Sometimes the most valuable moments at a global conference don’t happen on stage - they happen at the 19th hole.In this episode of A Wonderland of Possibilities, I talked with Stephen Goldstein (Founder & Managing Principal at TETRA G, ITC Life, Health & Benefits Advisory Board member) about:🔹 The power of authenticity in leadership🔹 How golf can teach you to listen, adapt, and play the long game🔹 Why real connections often start outside the meeting rooms

When two industry leaders Michael Gulla (CEO, ex-Hippo) and Arik Arik Yelovitch (CTO, ex-Hippo) - decided to build Adaptive Insurance, they set out to solve one of the biggest blind spots in commercial insurance: business interruption.As Michael shared: “Most small businesses don't go out of business because of a major climate catastrophe. They're die-by-a-thousand cuts… when they have an insurance event that then takes 3 to 4 months before their carrier can fully adjudicate that claim.”Adaptive’s answer: #parametric #insurance powered by AI and real-time climate data. With simple if-then triggers - “If the power goes down for 12 hours, then I get $10,000” - SMBs get immediate liquidity, backed by Tokio Marine HCC, to keep their businesses running.📖 Read more in our co-article on The Underwriter: From Catastrophes to Coverage - https://www.linkedin.com/pulse/from-catastrophes-coverage-evyatar-amira-jynnf🎧 Watch the full conversation now on Policy in Wonderland Podcast.

Meet Gordon Coyle, dubbed "The Mr. Beast of Insurance" - a third-generation insurance broker who's transformed his family's 95-year-old business through YouTube. With over 600 videos and generating 3-4 qualified leads daily, Gordon shares how he's revolutionizing insurance marketing through digital content. From his key takeaways at ITC 2024 to practical tips on building trust through video, discover how traditional insurance expertise meets modern digital innovation.Gordon's Youtube channel - https://www.youtube.com/@TheCoyleGroupNY

Join us with Rob Secontine, VP of Sales at EmTech Group, as we dive into the future of insurance quality assurance and automation. In this episode, discover: How insurance carriers are revolutionizing their QA processes Why "Day Two" issues matter in insurance software The power of reducing testing time from 2,500 hours to just 30 Fresh insights from ITC 2024 The democratization of quality assurance Whether you're a carrier, InsurTech startup, or insurance professional, learn how quality testing is reshaping insurance technology development. Don't forget to subscribe to our newsletter for more in-depth insurance innovation insights!

In this timely episode of Policy in Wonderland, we're joined by Stephen J. Pyne, America's preeminent fire historian and author of "The Pyrocene." From his 15 seasons fighting fires at the Grand Canyon to becoming a leading voice on fire's role in shaping our world, Pyne offers crucial insights into humanity's complex relationship with fire. As wildfires impact communities worldwide, Pyne explains: Why fire is a "shapeshifter" and how it defines our era The difference between "good" and "bad" fires How urban fire differs from wildland fire Why developed countries face increasing fire challenges What we can learn from fire's history to secure our future Whether you're in insurance, emergency services, or simply concerned about our changing world, this episode offers essential insights into one of humanity's oldest relationships. Our thoughts are with those affected by wildfires - stay safe and informed.

Fresh from ITC Vegas 2024, join us for an insightful conversation with Vidur Nayyar, founder of Upchange.ai and former McKinsey consultant, as he shares his unique perspective on insurance transformation. In this episode, we explore: Plus, Vidur shares invaluable advice for InsurTech startups and his vision for the future of insurance innovation. Whether you're an insurance professional, tech innovator, or curious about the transformation of this vital industry, this episode offers practical insights and strategic perspectives you won't want to miss. Connect with Vidur: LinkedIn: https://www.linkedin.com/in/vidur-nayyar/ Upchange.ai: https://www.upchange.ai/ #PolicyInWonderland #InsurTech #InsuranceInnovation #ITC2024

In this episode, I'm joined by Ian White, an insurance innovator known for his insightful "Hot Takes" on LinkedIn and deep understanding of the intersection between insurance, data, and sustainable growth. Ian shares crucial insights on: Why patience beats speed in insurance innovation The realities of building insurance products with technology What VCs often misunderstand about the insurance industry The evolving role of data in underwriting Fresh perspectives on the insurance ecosystem Plus, candid reflections on what it truly takes to succeed in InsurTech, drawn from his extensive experience in the field. Whether you're a founder, investor, or insurance professional, this conversation offers valuable insights into building sustainable innovation in insurance.

In this episode of Policy in Wonderland, we dive deep into the world of insurance innovation with Franklin Manchester, Global Insurance Strategic Advisor at SAS Institute, Inc. Franklin shares insights on: The role of AI in transforming the insurance industry How to embrace failure as a path to innovation The future of data analytics in insurance Bridging the talent gap in the insurance sector Preparing for climate-related risks Plus, get a sneak peek at Franklin's upcoming panel "F – AI – lure is Always an Option" at InsureTech Connect (ITC) 2024! Whether you're an insurance professional, tech enthusiast, or curious about the future of risk management, this episode offers valuable insights into the evolving world of insurance. Don't miss Franklin's insider tips for making the most of Insuretech Connect 2024 in Las Vegas! Connect with Franklin: LinkedIn: https://www.linkedin.com/in/franklin-manchester-cpcu-52910321/ #InsurTech #AI #InsuranceInnovation #ITC2024 #PolicyInWonderland

Join us on Policy in Wonderland as we explore the cutting-edge climate risk assessment with Valkyrie Holmes, co-founder and CEO of Faura. In this episode, Valkyrie shares: Her journey from SpaceX to InsurTech How Faura is revolutionizing property survivability assessment The future of personalized climate risk mitigation Insights on bridging the gap between homeowners and insurers Faura's expansion into multiple natural disaster assessments Don't miss Valkyrie's preview of Faura's upcoming demo at InsureTech Connect (ITC) 2024 and their participation in the State Farm startup competition! Plus, get insider tips on the best spots to visit in Las Vegas during ITC! Connect with Valkyrie and Faura: LinkedIn: https://www.linkedin.com/in/valkyrieholmes/ Website: https://www.faura.us/

In this episode of Policy in Wonderland, we dive into the world of risk control with John Morlan, founder of Smarter Risk. John shares his journey from insurance sales to becoming a risk control expert, and how he's now transforming the industry with innovative technology. Key points discussed: The challenges of traditional risk control methods How Smarter Risk's Automated Risk Control (ARC) system is changing the game The importance of speed and cost-effectiveness in risk assessment Benefits for insurance companies, agencies, and small businesses The role of AI and technology in the future of insurance The importance of managing Certificates of Insurance John also offers valuable insights on building solutions for long-standing industry problems and encourages embracing change in the insurance sector. Whether you're an insurance professional, a business owner, or simply curious about how technology is shaping the future of risk management, this episode offers fascinating insights into an often overlooked but crucial aspect of the insurance world.

Join us as we dive deep into the future of insurance with Charlie Sidoti, Executive Director of InnSure. Discover how climate change is reshaping the insurance landscape and learn about innovative solutions to close the massive protection gap. Key topics: The climate protection gap Community-based insurance solutions Parametric micro-insurance innovations The role of InsurTech in climate resilience Future market opportunities in green tech insurance Charlie shares insights on how the next generation of leaders can drive change in the industry and why collaboration is crucial for creating sustainable insurance models. Whether you're in finance, insurance, tech, or community leadership, this episode offers valuable insights for navigating the challenges and opportunities in climate-related risk management. 🔔 Subscribe for more episodes on the future of insurance and climate resilience! #ClimateInsurance #InsurTech #RiskManagement #ClimateChange #FinancialInnovation

Dive into the complex world of US insurance recruitment with Audry Torrence, founder of Best Search Inc. and a 30-year veteran in the field. In this episode, we explore: The unique challenges of the US insurance market Building dream teams for InsurTech startups Navigating compensation in the era of remote work The "For the Founders" initiative supporting InsurTech entrepreneurs Plus, get a sneak peek at our upcoming webinar on team building and investor expectations! Don't miss Audry's insights on orchestrating talent in the ever-evolving insurance landscape. Whether you're a founder, investor, or industry professional, this episode is packed with valuable takeaways. Connect with Audry: https://www.linkedin.com/in/audrytorrence/ Best Search Inc.: https://www.linkedin.com/company/best-search-inc/

Join us as we dive deep into the dynamic world of Indian insurance with industry expert Vishal Devalia. With over 13 years of experience and currently working as a Product Manager at Accenture, Vishal offers unique insights into the challenges and opportunities in one of the world's largest insurance markets. In this episode, we cover: ✅ The current state of the Indian insurance market ✅ AI revolution in insurance: from claims to customer service ✅ Tackling trust issues and mis-selling practices ✅ Digital transformation and the demand for simplified services ✅ The future of insurance: embedded, parametric, and blockchain technologies Key topics discussed: InsurTech in India AI in Insurance Digital Transformation Insurance Distribution Channels Embedded Insurance Parametric Insurance Blockchain in Insurance Indian Insurance Market Analysis Whether you're an insurance professional, tech enthusiast, or simply curious about emerging markets, this episode offers valuable insights into the evolving landscape of insurance in India and beyond.

Join us on Policy in Wonderland as we dive into the world of MGAs with Tim Quayle, CEO of OneAdvent. Discover how OneAdvent helps MGAs navigate regulatory challenges and innovate with cutting-edge technology. Key Highlights: 🔑 Tim's journey from IT to insurance 🔑 OneAdvent's role in fast-tracking MGAs to market 🔑 Managing execution risks for new MGAs 🔑 The impact of AI on underwriting processes 🔑 Current trends in the UK insurtech market Watch the full episode to learn more about the future of MGAs and insurtech innovation!

In our latest "Policy in Wonderland" episode, we delved into India's MSME insurance landscape with Ankit Kamra, co-founder of Covrzy. With 85% of MSMEs uninsured despite contributing 37% to India's GDP, the sector presents a $1.8-2.1 billion opportunity. Kamra highlighted challenges like lack of awareness and trust issues. Covrzy aims to simplify insurance through partnerships and innovative bundling. India's non-life insurance penetration is just 1%, but the sector is poised for 15% CAGR. Kamra emphasized cultural nuances, including price sensitivity and a shift towards tech-savvy business owners. As India aims for a $10 trillion economy by 2030, Covrzy's approach of demystifying insurance for MSMEs positions it well for the future. Kamra's message: insurance doesn't have to be complex.

Join me for an exciting episode with Pete Roberts, Co- Founder of Data-Sandwich. In this episode, we'll delve into the world of insurance innovation and explore how Data-Sandwich is empowering companies to drive change and achieve success. Pete Robinson, with his extensive experience in the insurance industry and deep understanding of the need for innovation, has crafted a unique platform that addresses both the challenges and opportunities of bringing new ideas to life. Key takeaways from this episode: Navigating the innovation landscape in insurance: Discover how Data-Sandwich helps insurance companies overcome the hurdles that often hinder innovation projects. The power of the Data-Sandwich platform: Learn about the two main functions of Data-Sandwich: safeguarding projects from unseen risks and fostering authentic creativity. Unleashing innovation potential: Understand how Data-Sandwich guides teams towards effective "outside-the-box" thinking and creative problem-solving.

I had the pleasure of sitting down with Josh Levine the Founder & CEO at Cake & Arrow on my podcast. In the bustling world of insurance innovation, finding the perfect blend of user-centric design and technological prowess can often feel like navigating a labyrinth. Yet, amidst the complexities, there are guiding lights illuminating the path forward.

Buckle up! We dove deep into the rabbit hole of product recall insurance with Marcos Garcia Norris Partner at Axon Crisis Management Today's discussion with Marcos covered a critical but often overlooked topic: crisis management in product recalls. We explored the potential of building an MGA model around product recall insurance, generating valuable insights during insurance underwriting.

I had the great honor of having my friend Tim as a guest on my show. His story really inspired me and I believe that will inspire you two, if you're an insurance agent or entrepreneur. We talked about his book, his journey, the insurance situation in California, tech, and more. Tim wrote a book about his journey to become one of the largest independent insurance firms in both Los Angeles City and the San Fernando Valley (As of late 2021 as ranked by the LA and SFV business journals). "If you are lucky enough to be in this industry, I think insurance is the best industry in the world"

Join me in this episode as we unravel the complexities of captive insurance, guided by an expert whose passion and knowledge are sure to captivate your interest - @Ins_Brkr. Whether you're a novice or an industry veteran, there's something for everyone in this exploration of a field that continues to shape the future of insurance. Stay informed, stay engaged, and join the conversation on Twitter for a deeper dive into the ever-evolving world of insurance.

This week I had the pleasure of speaking with Amir Kabir, an active investor and expert in the field of Insurtech. Our conversation was fascinating and multifaceted, and I was deeply impressed by both Amir's extensive knowledge and his passion for the field. I highly recommend following Amir's work and reading his articles. He is a leading and important voice in the Insurtech field, and I am sure he has many more insights to share. If you enjoyed this, share it with others and follow me Evyatar Amira for more in future.

In our latest podcast episode, we unravel the complexities of insurance product creation with Peter Tilbrook from Loro Insurtech Inc. Discover how Loro's no-code platform is reshaping the industry, providing free access for the first $100,000 GWP annually. Explore their sales model, empowering insurers and MGAs for agile and comprehensive coverage offerings. Dive into Insurtech 2.0, where industry expertise matters. Loro's founders, Peter Tilbrook, Loris Candylaftis, and Diego Silva Villalba, bring a wealth of experience, ensuring a deep understanding of industry challenges.

Kate Terry, initially an aspiring archaeologist, found her passion in insurance. With two decades of experience, she discusses Surround Insurance, revolutionizing accessibility for professionals and clients. The platform simplifies the insurance experience for today's youth, offering transparent access and clear communication. Follow Surround Insurance on TikTok and Instagram for insights.

It's always great to meet a new friend, and even more so when you share the same interests, especially when it comes to CrossFit. As my guest today points out, CrossFit. is the perfect combination of competition and collaboration. And that, in my opinion, is also what succinctly describes our Insurtech and insurance community. On the one hand, there is competition between the different startups (healthy competition that should be) and even the startup itself is in constant competition against time. On the other hand, the essential collaboration between all the stakeholders involved in the community - insurance companies, insurance agents, technologists, claims, loss control, and anyone who is actually on the supply chain in our world. Collaboration is the main topic with my guest, Joshua R. Hollander . Joshua R. Hollander has a leading podcast host in the Insurtech community called Insurtech Leadership Podcast that brings together and presents excellent interviews with various stakeholders in the community. I highly recommend listening, because the interviews are short but comprehensive and give you food for thought and the opportunity to delve deeper into things later. Joshua R. Hollander brings his many years of knowledge and experience from the fintech world to help companies develop themselves in the field. As CEO of Horton International, they advise companies of all sizes and stages, focusing on unique and caring attention. We discussed the insurtech industry, the missing qualities in C-level executives of startups, and his 2025 predictions, some of which were distinct.

Welcome back! You're tuned in to another exciting episode, and today we're diving again into the world of insurance with none other than Bobby Touran, the Co-Founder and CEO of Rainbow, an #MGA carving its niche in restaurant insurance. Trust me, by the end of this episode, you'll be hungry 🤤 for insurance insights! Now, before we unravel the layers of Bobby's insurance journey, did you know that the meaning of 'Baabak' in Persian is Honest? And in the insurance realm, honesty is a cornerstone, shaping the very core of what we do. Buckle up as Bobby takes us through his evolution from an eager insurance learner to building not one (Pathpoint) but two insurtech companies. We'll explore how his industry experience has molded his approach to tackling the unique challenges of restaurant insurance. What sets Rainbow apart? Bobby spills the beans on their unique business model, focused on delivering value-added products and services for insurance agents. Plus, we'll delve into the crucial role trust plays in the insurance game and how Rainbow goes the extra mile to foster strong, trusting relationships with its customers, the insurance agents. There's more! Bobby, or should I say Baabak Bobby Touran, shares his insights on growth opportunities in the commercial insurance space and drops some knowledge for investors eyeing the vibrant world of insurtech. Stick around to discover: The secrets behind Rainbow's unique business model; Must-know tips for investors venturing into insurtechs; Bobby's key takeaways about MGAs; The art of creating a positive Loss Ratio; Uncovering growth opportunities in the commercial insurance landscape

In this episode of Policy in Wonderland, we embark on a captivating journey into the world of insurance alongside with Brett Fulmer AKA Broker Brett. More than just an insurance broker, Brett's multifaceted persona encompasses an enterprising entrepreneur, investor, and influential figure (search for him on YouTube & on X (twitter), and of course, check his website. Join us as we delve into a warm and insightful conversation, reminiscent of sharing tea by the fireplace. Brett's passion for the industry shines through as he generously shares his knowledge on a diverse range of topics: The Evolving Role of Insurance Brokers; Empowering Startups through Insurance Expertise: Discover how Brett guides startups through the complexities of insurance (special shout-out to Brett for introducing me to the great Curtis Goldsborough). MGAs: Gain valuable insights into the role and impact of MGAs on the industry. and more ... Whether you're an entrepreneur exploring the insurance landscape, an aspiring innovator in insurtech, or a seasoned professional seeking to stay ahead of the curve, Brett's insights hold immense value. So, grab a cup of tea 🫖, settle in, and prepare to be enriched by this captivating conversation with Broker Brett.

I had the honor of speaking with Larry, one of the founders of Baches.io. They created a way to simplify payroll processes and make compliance and tax management easier, in a market where they don't know anything but efectivo (cash) Before exploring the insurtech world in Latin America, I highly recommend listening to the interview with Larry. His passion for the problem and his vision for the future are truly inspiring.

There's an exclusive event next month, different from the others. I thought it would be great to interview the creators - David Gritz and Stacey Brown, of InsurTech Slopesץ For more details: 👉 InsurTech Slopes 2024 🐇 This episode was super informative and with a unique POV on the industry, from creating different types of events to providing very valuable insights to investors and founders. A few takeaways for investors and founders before coming to any event (or meeting): Practice, Practice, Practice; Be open-minded; (To VCs) working with other VCs; Come prepared. Enjoy!

The first time I saw Helen was on the stage in Israel, while she was pitching Teambase at the Insurtech Israel summit. Her enthusiasm was inspiring and contagious. I said to myself that I wanted her to be my first guest on my English version of the podcast Policy in Wonderland. Teambase supports Brokers, Insurers, and MGAs around the world to digitally transform their operations and build long-lasting relationships with their Corporate & SME clients by leveraging their portfolio of insurance solutions. As a result of the iterations with brokers and insurers, their solutions are always evolving. Helen describes her unique journey to becoming one of the founders & COO at Teambase. We even talked about bringing in new and younger workers, so if you're wondering how insurance can be your next career, you've got to listen to this episode.