There are billions of VC funding being funnelled into insurance innovation – how do you pick the right business idea. Is disrupting the business model the right way to go? Maybe changing the broker experience to remove the stigma and mistrust currently found in the insurance industry is where to start. One common theme amongst the majority of insurtech start-ups is their consumer-focused approach. Clearly those innovating are trying to evolve insurance to align to the changing consumer who is looking to buy products that work for them when and where they want them.