There are still huge opportunities in insurance

n Sweden, for example, 80% of dogs are insured, while in the US only 1–2% of dogs are.

Another way to disrupt this market is by selling insurance directly to the end user, like Next Insurance, Lemonade, Hedvig, and others do. Several startups, often working as Managing General Agents (MGAs), have gone to market with great brands to attract end users and grown impressively large businesses. Based on their reported growth and customer ... See more