Sectors

Cover for buildings and their contents — homeowners, renters, landlords and commercial property.

Policies that pay out on death or on a fixed term, and the savings and retirement products sold alongside them.

Cover for medical costs, sold to individuals or to employers as a group benefit, and the technology that prices, administers and pays those claims.

Cover for cars, motorcycles and commercial fleets, including the driving data that increasingly prices it.

Cover sold to businesses rather than to consumers, from sole traders to large corporates.

Niche and hard-to-place risks that standard carriers decline, written on surplus lines or specialty paper.

Cover that pays on a measured trigger rather than an assessed loss, and the catastrophe and climate models behind it.

Cover for data breaches, ransomware and business interruption from an attack, usually sold with security monitoring attached.

Cover for harm a business or professional causes to someone else — general liability, professional indemnity and directors' cover.

Cover bought for a trip — cancellation, delay, baggage and medical treatment abroad — most of it sold at the point of booking.

Cover an employer carries for injuries to its own staff, priced on payroll and claims history and, increasingly, on workplace safety data.

Cover for ships, aircraft and the cargo they carry — among the oldest lines in the market and among the last to be digitised.

Cover for veterinary treatment of cats, dogs and other animals, sold direct to owners and increasingly bundled with preventive care.