We work across insurance verticals, with particular depth in the sectors experiencing the most significant technology-driven change.
P&C insurance is being transformed by data and technology. From IoT-enabled risk monitoring to AI-powered underwriting, the opportunities to improve pricing, reduce losses, and enhance customer experience are substantial.
We help carriers navigate this complexity.
Our expertise spans commercial and personal lines: from computer vision for property assessment to predictive analytics for claims, from fraud detection systems to automated underwriting. We understand which technologies are ready for deployment and which remain promising but premature.
Technology-enabled products that pay based on measured events, not assessed losses. From weather derivatives to flight delay coverage, parametric products require sophisticated data and technology infrastructure.
We help carriers build and scale parametric programmes.
Our expertise covers the full parametric value chain: data sourcing, trigger design, pricing models, and technology platforms. We understand the operational and regulatory considerations that determine whether parametric products succeed commercially.
Climate change is fundamentally reshaping insurance risk. From physical risks to transition risks, the industry needs sophisticated technology to model, price, and manage climate exposure.
We help carriers navigate the climate technology landscape.
Our expertise spans climate analytics, sustainability reporting, transition risk assessment, and nature-based solutions. We understand which technologies are ready for deployment and how they integrate with existing underwriting and claims processes.
Beyond traditional lines, technology is reshaping specialty insurance across multiple verticals. We help carriers identify and evaluate opportunities in emerging areas.
Insurance distributed through non-insurance channels: e-commerce, mobility platforms, gig economy apps. We help carriers evaluate embedded distribution partnerships and the technology platforms that enable them.
Wearables, health data, behavioural pricing; life and health insurance is increasingly technology-enabled. We help carriers navigate privacy considerations while identifying genuine opportunities.
IoT, supply chain monitoring, dynamic pricing: commercial insurance is being transformed by data and connectivity. We evaluate technologies across property, casualty, and specialty lines.
Satellite tracking, autonomous vessels, drone delivery: marine and aviation insurance faces rapid technological change. We help carriers understand and evaluate emerging risks and opportunities.
Commercial lines are being transformed by IoT, supply chain data, and advanced analytics. From small business platforms to large corporate risks, technology is reshaping how commercial insurance is underwritten and managed.
We help carriers identify and evaluate commercial insurtech solutions.
Our expertise spans the commercial insurance technology landscape: from AI-powered underwriting platforms to IoT-enabled loss prevention, from digital distribution to claims automation. We understand what works in practice, not just in demos.
Cyber is the fastest-growing and most technologically complex insurance sector. Risk assessment, pricing, and loss prevention all depend on technology capabilities that most insurers struggle to evaluate.
Our deep connections within the global cybersecurity ecosystem give us unparalleled insight into cyber technology and the solutions that genuinely work.
We help carriers identify technologies that genuinely improve risk selection and pricing, not just check compliance boxes.
Notable: Our partnership with Secdo, an advanced endpoint detection company later acquired by Palo Alto Networks, exemplifies our approach to cyber insurance technology.
Insurance has a vital role to play in addressing societal challenges, from financial inclusion to disaster resilience. Technology can enable products and services that create genuine social impact.
We help carriers identify technology solutions that align purpose with profit.
Our expertise spans microinsurance platforms, inclusive product design, community resilience programmes, and impact measurement. We understand how to evaluate technologies that deliver both commercial returns and meaningful social outcomes.
The insurtech landscape spans the globe, with breakthrough innovations emerging from technology hubs worldwide. Identifying which solutions have real substance requires deep expertise and established relationships.
We've spent nearly a decade building relationships within this ecosystem. We understand which companies have substance, which technologies are ready for deployment, and which founders can navigate the complexity of global insurance markets.
For clients seeking access to cutting-edge insurance technology, our global connections provide a significant advantage.
Early access to innovations before they reach mainstream awareness, evaluated by experts who understand both the technology and the insurance context.
Let's discuss how Lightbulb can help you navigate the technology landscape in your specific vertical.
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