FNO: InsureTech
A podcast that interviews leaders from insuretech and insurance to get up-to-date ideas and perspectives on how technology is disrupting and transforming the industry. We bring stories, trends, and useful insights to our audience from carriers, insuretechs, service providers, and various industry groups. New episodes feature people who are on the forefront of inventing, using, developing, or transforming the insurance world through applied technology. FNO: InsureTech is created and produced by Alacrity Solutions.
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Ep 293: Nic Sproul, Managing Partner, SP Partners
11/14/2025
Ep 293: Nic Sproul, Managing Partner, SP Partners
In this episode, FNO: InsureTech hosts Nic Sproul, managing partner at SP Partners, for a close look at bridging engineering with property claims innovation across the UK and Europe. Nic discusses his transition from a foundation in mechanical engineering and his formative years as an engineer with a leading US silicon chip firm, to building and advising businesses at the intersection of insurance and technology. The conversation explores how a mindset shaped by analytical rigor and operational experience advances property claims management, technology pilots, and collaborative initiatives within the sector. Key Highlights Nic details his professional journey, reflecting on how an engineering apprenticeship and experience with a Fremont-based US silicon chip company created a foundation for bringing a technical perspective to the property claims arena. Emphasis on a practical, analytical mindset as the throughline connecting Nic’s work in technology and insurance. He highlights that identifying the right problems to address is key to adding value. Nic participates as an active collaborator with I Love Claims, the UK’s largest claims-focused open forum, supporting peer engagement, industry exchange, and charitable initiatives. Insight into innovation projects, including Nic’s advisory role with a team pitching what they believe to be Europe’s first AI model for PFAS (“forever chemicals”) risk at Lloyd’s Lab, aimed at understanding emerging environmental liabilities. Discussion of how Optira’s satellite data solutions are helping accelerate detection of property subsidence, reducing assessment periods from many months to a matter of weeks, and commentary on cost and adoption considerations. Reference to AI-powered risk modeling for perils such as subsidence and flood, citing experience with WeatherMind and the importance of working alongside scientists and data specialists. Nic’s guidance for InsurTech founders: define your core problem with precision, ensure solutions demonstrate tangible ROI for insurers, and focus especially on efficient management of high-frequency, low-value claims.
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Ep 292: Michael Balarezo, Founder & CEO, Adjusto
10/31/2025
Ep 292: Michael Balarezo, Founder & CEO, Adjusto
In this episode, Rob Beller and Lee Boyd are joined by Michael Balarezo, Founder & CEO of Adjusto, for an in-depth discussion about the complexities and opportunities in contents claims. Michael recounts Adjusto’s founding story, rooted in his own experiences both as an adjuster and as a policyholder impacted by catastrophe. The conversation explores how Adjusto’s platform was purpose-built with artificial intelligence at its foundation to address longstanding inefficiencies for both policyholders and adjusters. Key themes include the adaptive use of machine learning and data science for multi-format input (written, CSV, and photo data), transparent and fair valuation practices, and integrations that streamline industry workflows. Michael details the patent-pending “FairMatch” system, the importance of personalized service in contents claims, and the role of technology partnerships across the insurance ecosystem. Key Highlights Adjusto was founded to address persistent pain points in contents claims, informed by Michael’s background as both an adjuster and a policyholder affected by large-scale property loss. The platform is built from the ground up with AI and machine learning, enabling sophisticated handling of written lists, CSV uploads, and photographs for contents documentation. Adjusto’s architecture enables real-time data processing and transparent interactions for both adjusters and policyholders, simplifying the experience and supporting trust in claim outcomes. The FairMatch algorithm—patent-pending—combines expert adjuster logic with data from consumer sources to generate accurate, fair valuations recognized by both insurers and policyholders. The solution serves carriers, TPAs, independent adjusting firms, and content specialists, and can be deployed as a standalone tool or integrated into existing claims environments. Adjusto integrates with platforms such as Snapsheet, participates in the Guidewire Vanguard Program, and is actively pursuing integration with Verisk marketplace. Michael discusses how dissatisfaction with contents claims can lead to policyholder churn, underscoring the need for tailored, data-driven processes in personal property claims.
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Ep 291: Arvind Sontha, CEO & Founder, Kyber
10/17/2025
Ep 291: Arvind Sontha, CEO & Founder, Kyber
Join us on this episode of FNO InsureTech as we welcome Arvind Sontha, the visionary founder and CEO of Kyber. Hear about his interesting journey from Google's cutting-edge technology to revolutionizing claims processing through AI-powered document solutions. Arvind shares his insights on tackling the complexities of compliance and personalization in the insurance industry, alongside inspiring and honest stories of building Kyber from the ground up. Whether you're curious about the intersection of AI and insurance or eager to learn from a startup pioneer's experiences, this episode is packed with valuable insights and inspiring tales. Key Highlights Kyber leverages AI to automate document creation for insurance carriers, addressing the industry finding that “40% of claims time is spent on paperwork.” The platform supports multilingual output, including Spanish, Italian, and French, with pending carrier requests for Haitian Creole and Russian. Kyber integrates efficiently with core systems such as Guidewire, SnapSheet, and PCMS, enabling streamlined workflow within carriers’ existing technology environments. AI-driven templates are designed to maintain regulatory compliance and reduce manual intervention in claims documentation processes. Founder Arvind Sontha brings experience from applied machine learning at Google and practical knowledge gained as a licensed insurance broker.
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Ep 290: Paige Roepers, CEO & Co-founder, Ocean Ledger
10/03/2025
Ep 290: Paige Roepers, CEO & Co-founder, Ocean Ledger
On this episode of FNO: InsureTech, host Rob Beller interviews Paige Roepers, CEO and co-founder of Ocean Ledger. Roepers discusses how Ocean Ledger leverages satellite imagery, historic shoreline data, and environmental analysis to provide objective, transparent analytics for coastal risk in the insurance sector. She details the company’s approach to supporting underwriting and risk management, shares experiences from the Lloyd’s Lab accelerator, including their May–July program in London, and addresses the challenges and opportunities in modeling evolving coastal exposures. Key Highlights Ocean Ledger uses satellite data archives reaching back to 1985, such as the Landsat program, to capture and analyze long-term shoreline changes, erosion trends, and natural defenses, offering measurable context for coastal risk. Roepers explains how Ocean Ledger’s analytics enable carriers to interrogate and validate existing vendor models—addressing discrepancies, clarifying over- and underestimation of risk, and informing decisions in highly exposed coastal areas. The company incorporates natural defense features, including mangroves and wetlands, into elevation and storm surge modeling—quantifying the protective roles these ecosystems play within insurance and government risk assessments. Roepers reflects on Ocean Ledger’s experience in the Lloyd’s Lab accelerator, highlighting the value of direct industry engagement and the two-month program’s impact on product direction, insurance market fit, and relationships in the London market. The discussion emphasizes partnerships with governments and NGOs for ground-truth validation and credibility, strengthening the reliability of Ocean Ledger’s analytics for both public and private stakeholders. Looking ahead, Roepers outlines plans to keep the Ocean Ledger team lean and London-based for the initial proof-of-concept phase with insurance customers, with plans to scale to the US contingent on results.
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Ep 289: Piers Dormeyer, CEO, Eagleview
09/19/2025
Ep 289: Piers Dormeyer, CEO, Eagleview
In this episode, FNO: InsureTech hosts Rob and Lee sit down with Piers Dormeyer, CEO of , to discuss the company’s journey from its roots in aerial roof measurement to its current role as a leading data company in geospatial intelligence. Dormeyer details how Eagleview’s early focus on insurance claims transformed through investments in proprietary aerial hardware, integration with Pictometry, and continual improvements in imagery resolution. The conversation explores how Eagleview leverages high-quality data and recent advances in artificial intelligence, including large language models, to streamline claims, enable rapid disaster response, power fraud detection, and support a range of customers beyond insurance. Key highlights Eagleview’s origin: founded by a roofer and a software engineer, developing accurate 3D roof measurements from 2D imagery with insurance as an initial market Emphasis on control and accuracy: operating a national fleet and merging with Pictometry to deliver higher-quality imagery, supporting measurement accuracy now at 99% based on third-party comparisons Shift to data company: delivering granular, extractable property data such as roof material, proximity to water, and additional attributes for application across various workflows AI’s impact: improved imagery enhances model reliability, with large language model-enabled features introduced in Eagleview One to support data extraction and new workflow automation Eagleview Disaster Response Program (DRP): mobilizing rapid image capture following disasters to meet the needs of insurers, government agencies, and infrastructure managers Partnership approach: close collaboration with industry leaders like Cotality and Verisk facilitates efficient integration and data delivery
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Ep 288: Cameron MacArthur, Founder & CEO, AI Insurance
09/12/2025
Ep 288: Cameron MacArthur, Founder & CEO, AI Insurance
In episode 288 of FNO: InsureTech, , Founder and CEO of , returns to share how his company, operating for over seven years, has navigated dramatic changes in insurance through the practical application of artificial intelligence. Drawing on experiences since Y Combinator in 2019, Cameron discusses the platform’s growth to more than 100 specialty and commercial insurance programs, and offers specific examples where AI replaces manual tasks, such as data extraction and invoice processing. The conversation also addresses the shifting insurance landscape, evolving customer expectations, and the leadership challenges of adopting automation while retaining vital insurance expertise. Key Highlights AI Insurance recorded 150% growth in the past year, now supporting more than 100 programs for MGAs, MGUs, captives, and risk retention groups. Cameron describes AI’s effectiveness in automating loss-run data import, handling invoices, and migrating complex data—with internal tests and client experiences indicating accuracy and time savings compared to manual processes. The rise of MGAs and MGUs is reshaping the market, with premium volume in this sector doubling since 2020, while traditional carriers and captives remain static or decline. Modern SaaS and AI solutions have reduced the barriers and costs of launching insurance programs, enabling new entities to go live in weeks rather than months. Cameron details a significant change in client expectations: prospects increasingly seek direct access to AI, APIs, and custom tooling, reflecting greater technical familiarity within insurance operations. Leadership must recognize and address staff concerns as automation alters job scopes, emphasizing the need for communication, retraining, and a continued focus on deep insurance knowledge. Cameron shares personal perspectives on the ongoing complexity of insurance, the rewards of continued learning, and the realities of leading sustainable growth. Special Offer: Use our coupon code ITCFNO200 to get $200 OFF your ITC Vegas pass! See you in Vegas!
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Ep 287: Kyle Geoghan, Co-Founder & CEO, Indemn
08/22/2025
Ep 287: Kyle Geoghan, Co-Founder & CEO, Indemn
In this episode of the FNO: InsureTech Podcast, we welcome Kyle Geoghan, Co-Founder and CEO of Indemn, for a deep discussion on the real-world impact of generative AI in insurance. Kyle shares his trajectory from early days in a family insurance agency, through his experience at CoverWallet, to launching Indemn in 2021. The episode details how Indemn began by building an MGA for event insurance with Markel—where nearly 95% of its direct-to-consumer operations rely on AI agents—and how the firm is now focusing primarily on its core SaaS platform. Listeners gain a data-driven understanding of how Indemn’s technology automates quoting, underwriting, broker support, and especially broker portal workflows, as well as Kyle’s evidence-based view of industry adoption. Key Highlights Kyle traces his roots to his family’s Long Island insurance agency, starting at age 12 and later moving to digital innovation at CoverWallet before co-founding Indemn. Indemn was launched in 2021 as a generative AI company for insurance. It initially operated as an MGA selling Markel-backed event and wedding insurance, introducing an AI agent model—at EventGuard, approximately 95% of customer interactions are handled by AI agents. As part of a strategic pivot, Indemn is selling the EventGuard MGA subsidiary to devote greater resources to SaaS technology enablement for carriers, MGAs, and broker networks. Indemn’s platform supports AI-driven quoting, stepwise underwriting, certificate generation, and status updates. Broker portal assistance is a core use case, enabling agents to receive accurate, real-time answers to underwriting and product questions, reducing repetitive workload by 30–40% for underwriters and CSRs. Adoption patterns show most consumer users are comfortable with AI workflows, while a majority of brokers also warm to this model over time—particularly when embedded in broker portals with feedback mechanisms for user trust. Kyle notes that, historically, insurance industry adoption has been cautious; however, he identifies late 2022 and 2025 as crucial milestones, with 2025 predicted as a year of significant scaling in generative AI deployment across the sector.
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Ep 286: Spencer McInvaille, Envista Forensics
08/08/2025
Ep 286: Spencer McInvaille, Envista Forensics
In this episode, FNO: InsureTech hosts a conversation with Spencer McInvaille, Director of Digital Forensics at Envista Forensics, to examine the expanding role of digital evidence in insurance investigations. The discussion explores practical methods for extracting and interpreting data from everyday devices—such as cell phones and vehicles—to assist with claims validation. Listeners gain a measured perspective on how location information, privacy considerations, rapid advancements in technology, and evolving threats like AI-manipulated imagery intersect in contemporary claims handling. Key Highlights Comprehensive overview of digital forensics as applied in the insurance space, with emphasis on how cell phones, computers, and vehicle data are leveraged to answer critical questions in claims and litigation. Practical applications of digital location data: Spencer explains how investigators may use cell phone and carrier records to determine an individual’s whereabouts during an alleged loss and support or refute policyholder narratives. Data privacy, security, and generational perspectives are addressed together—touching on device security practices, informed consent, differences in comfort levels across age groups, and the realities of data retention and access. Discussion of connected vehicle data and the volume of information modern vehicles and rentals may store; Spencer references an “Inside Edition” segment that illustrated data retrieval capabilities, noting this as a demonstration of industry techniques rather than proprietary information. Examination of artificial intelligence in the investigative process—Spencer discusses both the use of AI to manage large digital datasets and the growing need to detect manipulated images or synthetic media; only general capabilities are described, with no specific product endorsements or recommendations. Guidance for insurance practitioners and the public on applying basic device security measures, understanding personal data tradeoffs, and responding swiftly to preserve evidence following an incident.
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Ep 285: Amrish Singh, CEO & Co-founder, Liberate
07/25/2025
Ep 285: Amrish Singh, CEO & Co-founder, Liberate
Rob Beller and Lee Boyd are joined by Amrish Singh, CEO and Co-founder of Liberate, for a detailed look at how Liberate’s AI-powered agent, Nicole, is redefining intake and service for insurance carriers and agencies. Nicole automates not just first notice of loss (FNOL), but also handles ongoing service requests—including endorsements, ID cards, and claim status—across phone, SMS, and email channels. Amrish walks through the platform’s insurance-focused approach, its blend of technical and domain expertise, and the impact of standardized, always-on service that parallels human performance. Key Highlights: Nicole, Liberate Innovations’ AI agent, manages FNOL intake and a range of service tasks (such as endorsements and ID card delivery) across voice, SMS, email, and chatbot, providing support around the clock. The platform natively integrates with core systems including Guidewire and others, emulating a human staff member’s ability to read from and write data to existing insurance technology—without requiring a “rip and replace.” Nicole delivers service consistency organization-wide: every customer receives the same empathetic, informed interaction, at parity with human agents (currently performing at the 72nd/73rd percentile compared to people), and can handle unlimited simultaneous requests—crucial during catastrophe-level surges. Liberate requires that Nicole always disclose to customers that she is a virtual agent or AI, supporting responsible transparency—Amrish notes about 18–22% of customers initially want to speak to a human, but comfort increases with experience. Human supervisors use Liberate’s “AI Supervisor” tool to review and rate every Nicole conversation, from claims intake to service calls, providing feedback for systematic, measurable quality improvements. Automation is limited to non-licensed activities and data gathering; Nicole surfaces relevant data for functions like SIU but does not make claims or fraud determinations—those remain strictly with human professionals. The future vision: insurance operations where a small human team coordinates with scalable AI agents to support efficient, standardized, and compliant service, enabling carriers to reduce costs and refocus on promise and trust.
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Ep 284: Charlie Wendland, Chief Claims Officer of Branch
07/11/2025
Ep 284: Charlie Wendland, Chief Claims Officer of Branch
Scaling claims operations while harnessing AI, automation, and real adjuster insights is not easy but Branch is doing just that. Returning for a second time to FNO: InsureTech, Chief Claims Officer Charlie Wendland provides an in-depth update on how Branch’s claims team has intentionally built and evolved a fully in-house claims process focused on solving genuine adjuster pain points rather than chasing flashy tech trends. This episode explores how Branch leverages voice powered AI for FNOL, sophisticated fraud detection techniques, and large language model driven letter generation to streamline workflows. By involving adjusters closely in pilot programs, Branch ensures technology adoption is practical, meaningful, and impactful, pushing the boundaries of what a modern claims team can achieve. Key Highlights: Branch is a fully licensed insurance carrier operating as a reciprocal exchange. It bundles auto, home, and renters’ policies with an emphasis on speed and simplicity. The claims operation was built in-house and scaled through intentional, metrics driven process design prioritizing results without dramatically increasing headcount. First Notice of Loss (FNOL) is largely handled via Liberate’s voice powered AI. Fewer than 30% of FNOL submissions route to a human, and that number continues to decline as users opt into self-service. Fraud detection measures include checks for duplicate images and photos pulled from the internet. These filters help fast-track genuine claims and reduce investigation lag. Branch uses large language models via its “Letter Gen” tool (developed with Kyber) to automatically draft state specific coverage letters, which are then reviewed by adjusters saving time without sacrificing accuracy. Adjusters are included in pilot testing for every new tech rollout. Their feedback directly shapes how tools are adopted and refined creating a smoother, more meaningful change management process. Quotes: “We built our claims operation from the ground up, focusing on efficiency metrics at every step so we could scale without just adding bodies.” — Charlie Wendland “Fraud detection isn’t just about flags it’s about giving our adjusters confidence that clear claims can move faster through the system.” — Charlie Wendland “We’re not using technology to replace humans we’re using it to relieve them of rote tasks so they can focus on what matters complex problem-solving and real customer care.” — Charlie Wendland
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Ep 283: Robin Roberson, President & Co-founder, Agentech
06/20/2025
Ep 283: Robin Roberson, President & Co-founder, Agentech
Ever wondered how AI is transforming the insurance industry? In this episode of the FNO: InsureTech podcast, hosts Rob Beller and Lee Boyd welcome back Robin Roberson for her second appearance—this time as President and Co-founder of Agentech. Robin shares her entrepreneurial journey and dives into how Agentech’s cutting-edge AI is shaking up insurance claims. Get ready for insights, surprises, and a jaw-dropping stat about AI’s impact that’ll make you hit play! Key Highlights • Robin’s entrepreneurial spark: Yarn belts to WeGoLook to Agentech, a trailblazing journey. • Agentech’s Oklahoma roots: $3 million seed round fueling an AI-driven claims revolution. • Agentech AI’s edge: Digital coworkers outsmarting traditional AI in claims workflows. • Automation breakthroughs: Damage reports and file reviews streamlined by AI tools. • Snapsheet partnership: Agentech’s tech supercharging adjuster productivity by 4X. • Insurance’s future: Agentech’s potential to reshape carriers, TPAs, and beyond. Notable Quotes • “Agentech's AI isn’t prompt-based; it’s like digital coworkers achieving goals autonomously, making adjusters’ lives easier.” — Robin Roberson • “We’re not replacing adjusters; we’re giving them a team to handle mundane tasks so they can focus on complex decisions.” — Robin Roberson • “Stealth mode let us refine our tech with design partners, ensuring it was market-ready before we announced it.” — Robin Roberson • “Our tech has cut claims costs by 67% and boosted productivity 4X—it’s a game-changer for insurance.” — Robin Roberson
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Ep 282: Tony Triola, Head of Ecosystem & Partnerships, Verisk
06/06/2025
Ep 282: Tony Triola, Head of Ecosystem & Partnerships, Verisk
In this latest episode of the FNO: InsureTech Podcast, we reconnect with Tony Triola, Head of Ecosystem & Partnerships at Verisk. Joining us for the fourth time, Tony shares pivotal insights on the growth of claims processes and ecosystem integration. Discover how Verisk is redefining the insurance landscape by streamlining integrations and facilitating innovation across the industry. This episode is a must-listen for anyone interested in the future of Insuretech and data-driven solutions. Key Highlights: Introduction of Verisk's extensive role in global insurance data and analytics. Tony Triola discusses the transformation from claims automation to ecosystem-driven solutions. Insights into Verisk's open ecosystem strategy, promoting connectivity and integration across various technologies. Exploration of how Verisk is standardizing integration processes for startups and established companies alike. Discussion on the significant role of AI in shaping future claims processes and ecosystem connectivity. Quotes: "We have never been closed, but until about a year and a half ago, we didn't prioritize opening." - Tony Triola "It all starts with making sure the process is better, faster, and more efficient." - Tony Triola "If you really think about it, we don't have a solutions problem. We have a connectivity problem." - Tony Triola
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Ep 281: Amy Cooper, CEO & Founder of RISE®
05/02/2025
Ep 281: Amy Cooper, CEO & Founder of RISE®
In this episode, we meet Amy Cooper, the dynamic CEO and Founder of RISE®, a professional organization championing the next generation of insurance leaders. As RISE celebrates its eighth anniversary, Amy shares the journey from inception to becoming a global community with nearly 7,000 members across 12 countries. Join us as we discuss the vital role of leadership, mentorship, and education in addressing the insurance industry's talent gap and how RISE® is transforming careers with innovative solutions. Key Highlights: —Discover the origins of RISE® and how it supports rising insurance professionals through leadership and mentorship programs designed to bridge the industry's talent gap. —Learn about the innovative mentorship program by RISE® that pairs individuals cross-functionally to enhance professional growth and development. —Hear how RISE® is altering the traditional image of the insurance industry by utilizing social media and interactive events to attract new talent. —Understand the significance of RISE®'s educational initiatives like the Leadership Summit and Awards Gala, which aim to develop leadership skills at every career stage. —Explore the impact of RISE®'s DEI initiatives, including scholarship programs for underrepresented students aspiring to join the insurance sector. Quotes: —"If I can't find a young professionals group, I guess I'll just start one." – Amy Cooper —"We are the next step for students to get an internship, get a job, get connected, network, and grow their skills." – Amy Cooper —"Insurance really opens you up to that—a global economy." – Amy Cooper
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Ep 280: Paul Vacquier, Founder & CEO of Beagle Services
04/11/2025
Ep 280: Paul Vacquier, Founder & CEO of Beagle Services
In this episode of the FNO InsureTech Podcast, hosts Rob Beller and Lee Boyd interview Paul Vacquier, the founder and CEO of Beagle Services. Beagle Services is on a mission to tackle the pervasive problem of non-weather water damage claims by leveraging technology and installation services. Paul shares the innovative approach Beagle takes in working with insurance carriers and agents to deploy automatic water shutoff systems, fostering more effective loss prevention. Tune in to discover how Beagle's solutions are setting new standards in risk management and client engagement. Key Highlights: • Paul Vacquier discusses the significance of non-weather water damage, a leading cause of preventable homeowner insurance claims. • Beagle Services serves as a critical last-mile solution, helping install and deploy water shutoff and sensor technologies. • The podcast explores the evolution of insurance technology and Beagle’s role in facilitating technology adoption. • Focus is given to customer touchpoints and how Beagle collaborates with carriers, agencies, and homeowners. • Insight into future trends in the InsureTech space and the pivot from risk mitigation to revenue generation. Quotes: • "Beagle is focused on prevention of non-weather water damage claims. It’s the largest loss cause that's preventable for homeowners insurers." – Paul Vacquier • "Who's going to actually do it? Beagle comes in as the last mile resource to help install and deploy." – Paul Vacquier • "We're seeing ever-increasing requirements for smart valve installations to bind coverage or maintain coverage at renewals." – Paul Vacquier • "Risk mitigation is becoming a revenue generator, enabling carriers to write premium in challenging markets." – Paul Vacquier
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Ep 279: FireDome, feat. Gadi Benjamini (Cofounder and CEO) and Gabriel Gross (Member of the Board of Advisors)
03/20/2025
Ep 279: FireDome, feat. Gadi Benjamini (Cofounder and CEO) and Gabriel Gross (Member of the Board of Advisors)
In this episode, we traverse three continents to bring you insights from Gadi Benjamini, co-founder and CEO of FireDome, and Gabriel Gross, a member of FireDome's advisory board. As FireDome emerges from stealth mode, Gadi and Gabriel discuss groundbreaking technology aimed at combating wildfires—a pivotal issue exacerbated by climate concerns. Through their innovative fire protection systems, FireDome is set to transform wildfire management and potentially reshape the wildfire insurance landscape. Whether you're an industry insider or concerned citizen, this episode offers a riveting exploration of FireDome's impactful solutions. Key Highlights: FireDome's cutting-edge system is designed to protect assets from wildfires with a focus on strategic fire breaks and suppression. The innovative solution involves a launcher that deploys capsules filled with fire retardant to create barriers and respond to spot fires with extreme precision. Gadi Benjamini explains the detailed technology and the multi-layered approach involving cameras and sensors, aiming to support firefighters. Gabriel Gross provides an insurance industry perspective, addressing insurability challenges in wildfire-prone regions and how FireDome may play a key role. The potential global impact of FireDome's technology is discussed, highlighting its relevance to both private properties and larger-scale applications. Quotes: "FireDome is a system aimed at protecting assets from wildfires—a burning issue, pun intended." – Gadi Benjamini "Reducing actual vulnerability is the first major step into making homes or businesses insurable again." – Gabriel Gross "There's no silver bullet; it's a chain of solutions that must work together, spearheaded by the firefighters." – Gadi Benjamini
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Ep 278: Chaz Perera, CEO and Co-founder of Roots Automation
03/10/2025
Ep 278: Chaz Perera, CEO and Co-founder of Roots Automation
In this engaging episode, we sit down with Chaz Perera, CEO and Co-founder of Roots Automation, to uncover the transformative role of AI in the insurance industry. Chaz shares his journey from leading major initiatives at AIG to founding his own company aimed at solving one of the industry's longstanding challenges—unstructured data. Through his insights, listeners gain a deeper understanding of how digital coworkers are reshaping claims and underwriting processes, enhancing efficiency and accuracy. Key Highlights: Chaz Perera discusses the persistent 10% vacancy rate problem in the insurance industry and how Roots Automation addresses it by automating the handling of unstructured data. Insight into the inefficiencies causing over- and underpayment in claims and underwriting, where AI can save substantial costs. The evolution in AI technology, especially large language models, and their application in making unstructured data manageable and actionable. Candid conversation about AI not replacing employees but complementing their work, easing workloads to focus on high-value tasks. Exploration of the challenges and importance of change management when implementing AI solutions in insurance companies. Quotes: "Solving the unstructured data problem across the insurance industry was the genesis of Roots Automation." – Chaz Perera "Digital coworkers are meant to be your favorite colleague, taking off the mundane work from your plate." – Chaz Perera "Core to any change is understanding the motivations of the people that are affected by the change." – Chaz Perera "Progress doesn't happen if there isn't somebody who's backstopping your risk." – Chaz Perera
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Ep 277: Orna Carni, FinTLV Ventures
02/10/2025
Ep 277: Orna Carni, FinTLV Ventures
In this episode, we have a great conversation with Orna Carni, Managing Partner at FinTLV Ventures, a prominent global VC firm focusing on InsureTech. We discuss FinTLV’s role in supporting the Israeli InsureTech ecosystem and dive into the innovative map they’ve created to showcase local ventures. Orna shares her journey from corporate roles in AIG to venture capital, highlighting the industry's evolution and the impact of AI in InsureTech. Tune in to explore the unique dynamics of Israel as a hub for technological advancement. Key Highlights: • Discover FinTLV’s investments in leading InsureTech companies like Hippo and Lemonade. • Learn about the innovative ecosystem map created by FinTLV to navigate Israeli insuretech startups. • An insider’s look at the influence of AI in transforming the insurance landscape. • The transition from traditional corporate roles to venture capitalism and the skills required. • A discussion on the significant rise of Israeli innovation and its global impact. Quotes: • "Insurance is not just about coverage; it's an enabler for many industries." – Orna Carni • "We want to turn insurance from a lose-lose to a win-win by focusing on prevention." – Orna Carni • "AI is not a buzzword anymore—it's a crucial part of the InsureTech industry." – Orna Carni
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Ep 276: Matheus Riolfi, CEO & Co-founder of Tint
01/21/2025
Ep 276: Matheus Riolfi, CEO & Co-founder of Tint
In this kick-off episode of 2025, hosts Rob Beller and Lee Boyd welcome Matheus Riolfi, CEO and Co-founder of Tint. Matheus takes us into the world of embedded insurance, sharing insights about how Tint facilitates the integration of insurance products into consumer and enterprise platforms. Listeners will gain an understanding of this growing field, the impact it has across various industries, and how it could shape the future of insurance distribution. Key Highlights: The role of embedded insurance in offering tailored customer experiences and new product opportunities. Tint’s position as an orchestrator within the insurance marketplace, connecting brand partners with insurance carriers. An exploration of niche use cases, such as insurance for decentralized finance platforms. How Tint leverages data from partners like Turo to offer smarter, usage-based insurance pricing. Discussion on the growth and scalability of Tint’s modular embedded insurance solutions. Expectations for the future of embedded insurance and its potential transformation of traditional markets. Quotes: "Our vision is that insurance should be a feature and not a standalone product." – Matheus Riolfi "If the data exists, it will do two things for you: a great customer experience and enabling products that couldn't exist before." – Matheus Riolfi "Embedded insurance is really the biggest innovation since insurance was created." – Matheus Riolfi
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Ep 275: Jenn Knight, Co-founder & CTO, AgentSync
12/21/2024
Ep 275: Jenn Knight, Co-founder & CTO, AgentSync
In this conversation, Rob Beller and Lee interview Jenn Knight, the CTO and co-founder of Agentsync, a technology company focused on streamlining the insurance compliance process. They discuss the company's origins, the role of technology in improving agent onboarding, and the evolving landscape of insurance technology. Jenn shares insights into the challenges faced by agents and carriers, the importance of personal connections in insurance, and the recent growth and fundraising success of Agentsync. Jenn also discusses her journey in fundraising, the importance of maintaining relationships with investors, and the evolving role of AI in the insurance industry. She emphasizes the need for human involvement in insurance processes, even as technology advances. The discussion also touches on the implications of AI for job creation and destruction, and concludes with insights into the future aspirations for Agentsync, focusing on enhancing connectivity and compliance in the insurance space. Key Highlights Jenn Knight discusses the inception of AgentSync and its focus on simplifying regulatory compliance and agent onboarding through technology. Insightful conversations about the evolving role of agents and the company’s commitment to enhancing the agent experience. The impact of artificial intelligence on the insurance industry and how AgentSync is integrating AI into its processes. The challenges and opportunities faced in the current fundraising environment and AgentSync's roadmap for continued growth. Jenn shares her thoughts on the future of insurance technology and AgentSync's vision for a more connected industry ecosystem. Quotes "We started with the premise that technology could help streamline [agent onboarding] and make that ready-to-sell experience meaningfully better in this space." – Jenn Knight "Insurance is so, so personal. And there are aspects that you do not want to get wrong or be left out trying to talk to a chatbot about, frankly." – Jenn Knight "Our goal is to use technology on both sides of the fence to help all the parties streamline that workflow and get access to products." – Jenn Knight
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Ep 274: Garret Gray on A.I., INTRConnect 2025, and CoreLogic's Path to Innovation
12/06/2024
Ep 274: Garret Gray on A.I., INTRConnect 2025, and CoreLogic's Path to Innovation
Garret Gray, President of CoreLogic Global Insurance Solutions, joins Rob and Lee on the FNO: InsureTech Podcast to share insights into his industry experience, INTRConnect 2025, and the growing role of A.I. in insurance. He highlights CoreLogic's approach to innovation, collaboration, and addressing industry challenges. Key Highlights: INTRConnect 2025: Garret discusses how the event fosters collaboration among insurance stakeholders. A.I. Integration: Insights into CoreLogic's step-by-step adoption of A.I. for smarter solutions. Industry Challenges: Addressing high-risk regions like California and Florida with data-driven strategies. Strategic Growth: The impact of acquisitions on CoreLogic's market position. Emerging Trends: The use of diverse data sets for better risk assessment and innovations in claims management. Quotes: "Our whole theme this year is Beyond All Limits. It's really about pushing the boundaries of what's possible." – Garret Gray "We all only want carriers to be healthy and profitable, just like we want contractors to be healthy and profitable." – Garret Gray
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Ep 273: Data-Driven Service for Real Estate Buyers, PropertyLens, Bob Frady
11/19/2024
Ep 273: Data-Driven Service for Real Estate Buyers, PropertyLens, Bob Frady
In this episode of the FNO: InsureTech Podcast, we welcome back a favorite guest, Bob Frady, to discuss his latest venture in the real estate sector with PropertyLens. Bob shares his journey from the sale of Hazard Hub to Guidewire, his brief attempt at retirement, and the innovative new service he is developing for homebuyers. Tune in to discover how this new tool empowers buyers with essential data and guidance, ensuring informed decisions in the complex world of real estate. Key Highlights: Bob Frady discusses his transition from Hazard Hub to launching PropertyLens, a data-driven service for real estate buyers. The episode explores the idea of providing homebuyers with detailed property reports, akin to a "Carfax for homes." Bob emphasizes the importance of preparing buyers with the right questions to ask before purchasing a property. Insights into the significant data collection and reporting process behind Property Lens are shared. The episode highlights the potential impact of empowering consumers with data on the real estate and insurance industries. Quotes: "We're here to arm the buyer with information before they put down their hard-earned money." – Bob Frady "Frequency is where you win the game — find the channel where your customers are." – Bob Frady "It's presenting data as an art form, and that's the art form I've lived in for over a dozen years." – Bob Frady
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Ep 272: Driving Growth with Innovation: Great American's Sara Phillips on Federated Models, A.I., and Partnerships
11/08/2024
Ep 272: Driving Growth with Innovation: Great American's Sara Phillips on Federated Models, A.I., and Partnerships
On this episode, host Rob Beller welcomes Sara Phillips from Great American Insurance Group to discuss her pivotal role in new revenue, strategic acquisitions, and partnerships. Sara delves into how the organization maintains a federated model with 36 divisions, each operating with significant autonomy, while integrating innovative insuretech solutions to drive growth. This episode offers unique insights into navigating strategic investments and partnerships within the insurance industry and beyond. Key Highlights Sara Phillips explains her diverse role involving new revenue streams, strategic acquisitions, and partnerships at Great American Insurance Group. Exploration of Great American's federated model, which includes 36 divisions operating with distinct autonomy. Insights into how the insurance marketplace is adapting to changes in valuation swings and strategic conversations. Discussion on the importance of strategic investments in fostering partnerships with InsureTech companies. Anticipation of the role of AI and generative technology in transforming insurance operations in the coming years. Quotes "Insurance companies should be well positioned to assess young companies and the risk there." – Sara Phillips "The next five years is going to be, especially with AI kind of folded into the mix, a really interesting time." – Sara Phillips
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Ep 271: Unleashing Workforce Superpowers with KnowHow's Leighton Healey
10/26/2024
Ep 271: Unleashing Workforce Superpowers with KnowHow's Leighton Healey
Join us on this episode as we speak with Leighton Healey, CEO and founder of KnowHow. Leighton introduces Knowhow's transformative app that revolutionizes employee onboarding and training through innovative A.I. technologies. He explores the role of A.I. in property restoration and the significant impact of online reviews on businesses. Join Leighton and Lee as they dive into engaging insights on how technology redefines workforce competence and customer experiences. Key Highlights: Discover how KnowHow transitions companies from traditional operation manuals to a dynamic app. Understand the role of A.I. and machine learning in enhancing workforce training. Explore the challenges and opportunities in the property restoration industry during COVID-19. Understand the six common reasons behind one-star customer reviews. Learn about the real financial impact of negative reviews on business revenue. Quotes: "KnowHow gives training teams and HR teams superpowers they didn’t think possible." – Leighton Healey "A legit one-star review can repel over $212,000 in potential revenue." – Leighton Healey "The number one reason for a one-star review is poor communication." – Leighton Healey
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Ep 270: Wildfire Insurance Challenges & InsureTech Innovations: Insights with Caribou Honig
10/11/2024
Ep 270: Wildfire Insurance Challenges & InsureTech Innovations: Insights with Caribou Honig
In this episode of the FNO: InsureTech Podcast, Rob Beller and Lee Boyd sit down with Caribou Honig, Chairman and Co-Founder of InsureTech Connect. Ever charming and insightful, Caribou shares insights from his experience building a home in Santa Fe, covering the challenges of obtaining homeowners insurance in wildfire-prone areas. The discussion explores the innovations and challenges of the insuretech marketplace, the implications of market dislocation, and the role of innovative insuretech players in addressing gaps. His candid reflections on the sector's growth, the role of technology, and future trends present valuable insights for all listeners involved in insuretech. Key Highlights Caribou discusses the unique challenges of securing homeowners insurance in wildfire-risk areas, including market dislocation and pricing complexities. Insight into New Mexico's proactive water and wildfire management practices. A discussion on the current alternative insurance market offerings and the noticeable pricing diversity. Caribou reflects on the health of the insuretech landscape, emphasizing the importance of niche players and the potential future impact of A.I. The growth and influence of the InsureTech Connect conference in driving industry innovation and connection.
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Ep 269: Inside ITC Vegas: Innovation, Networking, and the Future of InsureTech with Bill Harris
09/27/2024
Ep 269: Inside ITC Vegas: Innovation, Networking, and the Future of InsureTech with Bill Harris
FNO Insuretech listeners: Use promo code ITCVFNO200 for $200 off your ITC Vegas registration. Join us for a fun chat with Bill Harris, the Chief Customer Officer and co-founder of InsureTech Connect, as we dive into the exciting world of the upcoming InsureTech Connect Vegas (ITC Vegas) conference! Bill gives us the scoop on what attendees can look forward to, including cool new features, tailored programs, and those ever-popular networking opportunities. Bill shares how he helps make the massive conference feel cozy and manageable for everyone. From its startup-centric beginnings to now hosting industry giants like Salesforce, the ITC Vegas conference has become the ultimate gathering for insurance innovation. But don’t worry, startups are still the stars of the show with their own kiosks, while big tech, consulting firms, and solution providers join the mix. The event strikes a perfect balance between cutting-edge technology and the invaluable human touch of brokers and agents. With more young people and women joining the ranks, it’s clear the demographic is evolving. Plus, there are webinars, AI-powered session summaries, and a handy mobile app for networking and planning your schedule. Tune in for insights from Bill Harris and get ready for an exciting ride into ITC Vegas and the future of insuretech! FNO Insuretech listeners: Use promo code ITCVFNO200 for $200 off your ITC Vegas registration. Register at: Key Highlights: Introduction to the ITC Vegas conference and its significance in the insurance industry. Overview of the new features and curated programs at this year's event. Details on the State Farm Startup Pitch Competition and its impact on startups. Insights into the unique networking opportunities and thematic experiences like the space theme for 2024. Discussion on the diversity and demographic shifts observed at ITC events over the years. FNO Insuretech listeners: Use promo code ITCVFNO200 for $200 off your ITC Vegas registration. Quotes: "ITC Vegas is the insurance conference to go to—it's where if you're in the insurance world, you go to ITC." – Bill Harris "We've created these neighborhoods in the expo hall to help people find exactly what they're looking for more efficiently." – Bill Harris "Our focus is on making sure attendees have a great experience and find value in every aspect of the conference." – Bill Harris
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Ep 268: Transforming Insurance: Carpe Data's Max Drucker on Data and AI Innovation
09/13/2024
Ep 268: Transforming Insurance: Carpe Data's Max Drucker on Data and AI Innovation
In this episode, Rob and Lee chat with Max Drucker, CEO and founder of Carpe Data, about the evolution of data usage in the insurance industry. Max shares insights into how Carpe Data harnesses innovative data products to automate decisions and predict insurance outcomes. From exploring the value of alternative data sources to discussing how AI and machine learning are revolutionizing the space, this episode offers a deep dive into the future of data-driven insurance solutions. Key Highlights: Introduction to Carpe Data and its mission in the insurance industry. The company’s journey from inception to Carpe Data’s current focus areas. How Carpe Data leverages AI and machine learning to process vast amounts of data. The benefits of data automation and prediction for insurance carriers. Real-world applications of Carpe Data’s solutions in detecting fraud and improving underwriting. Discussion on the competitive landscape and Carpe Data’s unique positioning. Quotes: "Carpe Data is a data company through and through. We make data products specifically for insurance carriers." – Max Drucker "Insurers are the original data scientists, predicting outcomes for literally centuries." – Max Drucker "We’re looking to create something that’s unique and provides a selection advantage for carriers." – Max Drucker “Predicting outcomes and using this type of information to predict outcomes is what carriers want.” – Max Drucker
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Ep 267: Creating Seamless Insurance Solutions with Sivan Iram of Flow
08/30/2024
Ep 267: Creating Seamless Insurance Solutions with Sivan Iram of Flow
In the latest episode of FNO: InsureTech, we sit down with Sivan Iram, Founder & CEO of Flow, to explore Flow’s role in the wholesale insurance brokerage industry. Sivan shares his unique insights into blending advanced technology with human expertise to provide unmatched service. Discover the significance behind Flow’s recent rebranding from Capitola, and gain valuable perspectives on AI’s role in enhancing broker workflows. Key Highlights: The inspiration and reasoning behind rebranding Capitola to Flow Specialty. How Flow combines human expertise with cutting-edge technology for superior brokerage services. The significance of AI in optimizing broker workflows and decision-making. Insights into Flow’s focus on customer-centric service using a balanced approach between technology and human touch. The impact of strong investor partnerships, including Munich Re Ventures, on Flow’s growth and credibility. Quotes: "To me, the vision of developing an internal culture and service that puts our stakeholders in a state of flow is paramount." —Sivan Iram "AI is not what you do; it’s how you do it. It’s a different way to think about digitizing knowledge and making it accessible to brokers." —Sivan Iram "The magic in life, as in business, is balance—combining human expertise with technology to outperform and better serve our clients." —Sivan Iram "We are a wholesale broker, but we operate in a very technological manner under the hood to deliver better service for our clients." —Sivan Iram References: Flow Specialty: flowinsurance.co Munich Re Ventures: munichre.com Lightspeed Venture Partners: lsvp.com
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Ep 266: The Future of AI and Insurance with Marc Fredman of CCC Intelligent Solutions
08/23/2024
Ep 266: The Future of AI and Insurance with Marc Fredman of CCC Intelligent Solutions
FNO: InsureTech welcomes back Marc Fredman, Chief Strategy Officer at CCC Intelligent Solutions, for his third appearance on the show. As one of the largest and experienced drivers of data in the insurance industry, we’re excited to dive back in and hear what CCC is all about. Marc shares insightful updates on CCC’s latest advancements, including the role of AI in claims processing, the concept of Intelligent Experience (IX), and much more. Tune in today for a great discussion. Key Highlights The evolution of CCC Intelligent Solutions and its impact on the PNC insurance economy. Marc’s role as Chief Strategy Officer and his vision for the future of customer-centric technology. The integration of AI in claims processing and its transformative potential. Introduction to the concept of Intelligent Experience (IX) and how it fuses customer, employee, and business metrics for optimal outcomes. Practical examples of AI applications in claim prediction, subrogation, and overall system management. Future trends and the inevitable advancement of AI in the insurance industry. Quotes "Technology still has to be able to provide a real bottom line benefit for the people that use it." – Marc Fredman "With intelligent experience and the stuff that’s now possible with AI, you don’t have to choose among those things." – Marc Fredman "We are at diminishing marginal returns in terms of the old ways of thinking for technology." – Marc Fredman "An intelligent experience is one that just works." – Marc Fredman
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Ep 265: Beyond the Finish Line: Olympic Passion and Insurance Parallels with Rob and Lee
08/16/2024
Ep 265: Beyond the Finish Line: Olympic Passion and Insurance Parallels with Rob and Lee
With the 2024 Summer Olympics having come and gone, Rob and Lee discuss their enthusiasm for the Olympics and its events they enjoy in their latest short. They share their national pride and support for international athletes while drawing parallels between the cooperative nature of the Olympics and the insurance industry. They mention some of their favorite sports and express their excitement for future events and admiration for the athletes' dedication and hard work. Key Highlights: The allure and unifying nature of the Olympics. Experiencing the Olympics through personal stories. The cultural impact of watching athletes achieve their best. Comparisons between Olympic and insurance industry competition. Insights into supportive competition among insurance carriers. Quotes: "I’ve always loved the Olympics. It’s fascinating to see people who are the best of the best." – Rob Beller "Everyone wants countries to do well. It’s about humanity and support." – Lee Boyd "Insurance is generally a pretty friendly environment." – Rob Beller "The London insurance market was the most friendly, open, welcoming experience." – Lee Boyd References: 2024 Paris Olympics coverage on History of Munich Olympics tragedy in 1972 for tracing ancestry
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Ep 264: Breaking Barriers in Pet Insurance: Insights from Odie’s Founders
08/09/2024
Ep 264: Breaking Barriers in Pet Insurance: Insights from Odie’s Founders
Join hosts Rob Beller and Lee Boyd as they chat with Miles and Zabrina Thorson, the founders of Odie Pet Insurance. Miles and Zabrina share their inspiring journey of transforming pet insurance with customizable coverage options and innovative technology. They discuss the industry's unique challenges and emphasize the importance of having pet insurance before emergencies happen. Tune in to see how Odie is making pet care better and more accessible! Key Highlights: Understanding the fundamentals of pet insurance and its comparison to other types of insurance. Discussion on the demographics driving the adoption of pet insurance, particularly millennials. Insights into Odie’s unique distribution model and its focus on embedding pet insurance in various platforms. The role of technology and data in underwriting and improving the claims process for pet owners. Exploration of the regulatory landscape impacting televet services and pet insurance. A closer look at customizable policies Odie offers to cater to diverse pet owner needs. Quotes: "Pet insurance is really there to cover those unexpected health events, not for routine vet visits.” – Zabrina Thorson “We wanted to empower third-party distribution channels to put this product in front of folks before they face an emergency.” – Miles Thorson
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