Research Paper: Is the Workplace Getting Safer

This report argues that the insurance market has been reading outcome data as though it were a scoreboard

Is the Workplace Getting Safer?

Buy Now Research report · Summary In 2025, road deaths in Great Britain fell by 4 per cent while the number of people killed or seriously injured rose by

Load Volatility, Not Load Level

511,000 UK workers report a work-related musculoskeletal disorder. These are not accidents. A shoulder fails because of a load pattern sustained over months — and that pattern already sits in rostering systems.

The Safety Data You Already Hold

Fleet telematics, digital checklists and warehouse vision were bought for fuel, compliance and throughput. The resulting data estate describes work as actually performed — the one thing insurance has spent a century approximating.

Should You Charge for the Pilot? The Commercial Architecture of Insurance Technology Trials

The Five Gates

What separates a number that impresses from evidence an underwriter can price. Any vendor can produce a percentage. “Our technology cut claims by twenty per cent” is a

The Advice Discount

Equity markets have started to price artificial intelligence disruption directly into the valuations of firms that sell professional judgement. Insurance broking has had its first repricing. It was

From Transfer to Control

How technology companies, investors, and the insurance market navigate the most significant structural shift in a generation

The Counterfactual Contract

How risk technology can be paid directly out of the losses it prevents — the actuarial conditions that make a "counterfactual contract" work, and where it breaks

Pricing the Shape, Not the Score: What Underwriters Should Extract from Risk-Technology Data

The Benefits Bridge: What P&C Can Borrow from Health Insurance — and the Data It Should Refuse to Hold

Strategy · Partnerships · Casualty · 11 min read Health insurance solved sustained engagement with prevention before P&C did. The lesson is transferable. The data appetite is not. The

Part 4: Working With the Technology, Not Just the Vendor: How Brokers and Insurers Should Approach Risk Technology Partnerships

Part 3: Backing the Category, Not Just the Company: How Investors Should Evaluate New Risk Technology

Part 2: Building the Case: How to Answer Why This, Why Us, and Why Now

Part 1: The Three Questions Behind Every Stalled Insurance Pitch

Analysis · Distribution · Part 1 of 4 A technology vendor pitching into insurance distribution is being asked three different questions by three different audiences. Most pitches answer one of

The Prevention-to-Pricing Gap

Analysis · Risk Control Prevention technology now demonstrably lowers the frequency and severity of loss. Yet most propositions never convert that capability into the one currency an underwriter recognises:

Digital Twins in Commercial Property: From Buzzword to Underwriting Input

The digital twin concept has accumulated extraordinary momentum. McKinsey estimates global digital twin investments will exceed $48 billion by 2026, with 70% of C-suite technology executives at

The Parametric Paradox: Why Removing Claims Friction Can Break Product Economics

The Missing Layer in Loss Control: Why Technology Alone Doesn’t Reduce Claims

Annual Strategy Report -2026

The strategic edge now sits at the intersection of decisioning, prevention, and workflow control. That is where margin becomes more defensible, loss becomes more manageable, and differentiation becomes harder to commoditise.

The Loss Control Imperative: Why the Winners in Insurance Will Be the Ones Who Reduce Risk, Not Just Price It

Why Your First Insurance Client Should Be a Broker

The Compliance Conversation You're Not Having Early Enough

Every technology company we assess has a compliance gap. Not because they are negligent — most are GDPR-aware and take data security seriously — but because they have no

The Data Question Every Underwriter Should Ask a Technology Partner

Every technology company pitching to an insurer leads with the same claim: "Our data will improve your underwriting." The claim may be true. But in our

How to Evaluate a Technology Partner Without Getting Stuck in Procurement

If you work in insurance innovation, partnerships, or digital transformation, you've lived this story. You find a technology company with a genuinely compelling product. The underwriting

From Pilot to Production: Why 90% of Insurance Technology Partnerships Stall After the Proof of Concept

The insurance industry has a pilot problem. Not a shortage of pilots — there are more technology proofs of concept running inside insurers and brokers than at any point

What Insurers Actually Mean When They Say "We're Interested"

If you've spent any time selling technology into insurance, you'll recognise the experience. The meeting goes well. The underwriter nods. The innovation director calls

Build, Buy, or Partner? A Decision Framework for Insurance Technology Strategy

The Technology Radar: Ten Technologies Reshaping How Risk Is Understood, Managed, and Insured

The Two-Way Partnership Test: What Technology Companies Should Be Asking Insurers and Brokers

Beyond the Black Box: When Telematics Becomes an Underwriting Conversation

The Insurance Readiness Gap: What We Find Every Time We Assess a Technology Company

What Every Insurtech Gets Wrong About Broker Distribution

Ask any insurtech CEO about their go-to-market strategy and you'll hear some variation of the same answer: "We're in discussions with

The Pilot Graveyard: Why Most Insurtechs Never Get Past the First Meeting

Getting a meeting with an insurer isn't hard. Most technology companies with a credible product and a reasonable pitch deck can secure a conversation with an