When climate volatility rises, the need for fast, transparent insurance has never been greater.

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman speaks with Lynn Roehrig, Head of Business Development at Descartes Underwriting, about the growing role of parametric insurance in a world where natural catastrophe (nat cat) risks are accelerating.

They unpack how parametrics shift the conversation—from loss adjustment and delays to real-time data, pre-agreed payouts, and clarity for risk managers and brokers alike.

🎙️ Tune in to hear:

• How parametrics are complementing traditional insurance—not replacing it

• Why speed, transparency, and automation matter more than ever

• What clients and brokers are asking for in the face of climate risk

• How underwriting is evolving through AI, satellite data, and modelling at scale

This episode is essential listening for anyone involved in commercial lines, reinsurance, NatCat, or product innovation.

SMEs make up 97% of businesses—but they’re often underserved, misunderstood, or stuck in analog experiences. Can insurance meet them where they are?

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman sits down with Skye Theodorou, Co-founder and CEO of upcover, to talk about building a digital-first insurance platform that empowers small business owners through speed, simplicity, and deep operational empathy.

From founding upcover via Antler, to scaling nationally with a multi-niche strategy, Skye shares the hard-won lessons of raising capital, hiring globally, and automating 20% of her business every few months.

Tune in as Skye shares:

• How upcover is using automation and AI to simplify SME insurance

• What it takes to deliver both compliance and speed in regulated markets

• Why trust, transparency, and customer understanding are non-negotiables

• How she’s scaling a remote-first team—and changing lives along the way

• What the future holds for SME insurance, data, and embedded experiences

If you’re building in insurtech, distributing SME cover, or just want to hear how real impact meets smart innovation—this one’s for you.

What does it take to transform restaurant insurance into a data-rich, tech-forward experience that truly supports small businesses?

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman is joined by Bill Deemer, Head of Insurance at Rainbow, to explore how his team is redesigning small business insurance from the ground up. From launching in high-risk markets like Texas to building a platform tailored for restaurants and service-based SMEs, Rainbow is bringing discipline and innovation back to underwriting.

Tune in as Bill shares:

• Why restaurants were Rainbow’s first frontier—and what they learned

• How deeper, industry-specific data unlocks better coverage and pricing

• The role of agents, relationships, and real-world insight in commercial insurance

• Why Rainbow’s approach to prevention and risk visibility goes beyond the claims process

• What’s next: scaling to beauty, wellness, and beyond

For anyone working in commercial lines, MGA growth, or insurance tech strategy, this is a must-listen episode on how to build coverage that truly serves small businesses.

In an era where insurance must do more than protect—it must empower—how are insurers rethinking the role of data, compliance, and design?

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman is joined by Aurora Voss, co-founder and CEO of Zemble, to explore how insurers can move from monolithic systems to modular, intelligent experiences. From reimagining claims workflows to embedding governance into the fabric of insurance tech, Aurora shares a bold and deeply practical vision for the future.

Tune in as Aurora unpacks:

• Why data isn’t just for assessing risk—it’s the foundation for stronger customer relationships

• How embedded governance can unlock innovation rather than restrict it

• What it takes to scale compliance in a digital-first world

• The “Zemble Manifesto” and how it’s reshaping how insurers work and think

• Her founder journey—from venture capital to building insurance infrastructure from the ground up

Whether you’re rethinking your claims stack or designing the next-gen data layer, this is a must-listen for insurance leaders ready to break the mold.

In today’s digital world, cyber risk isn’t just an IT problem—it’s a business problem, and a growing one at that.

In this episode, host and Kanopi CEO Nigel Fellowes-Freeman speaks with Karen Stephens, CEO of BCyber, about the shifting landscape of cybersecurity and what insurers, brokers, and business owners must do to stay ahead of emerging threats.

With over two decades in financial services and cybersecurity, Karen brings sharp insight, practical advice, and a dose of dry wit as she breaks down the human, emotional and financial cost of cyber breaches—and how to mitigate them.

💥 Topics include:

• Why cyber is everyone’s problem, not just IT’s

• How brokers can better explain what’s actually covered in a cyber policy

• The rise of ransomware-as-a-service and AI-powered fraud

• The real meaning behind “progress, not perfection” in cyber hygiene

• Why "Trust nobody, verify everything" should be your new motto

Whether you're a broker, insurer or just wondering what the heck a deepfake voice attack is—this episode will leave you informed and alert.

🎧 Listen now and join the conversation about what it really takes to insure against cyber in a rapidly evolving threat landscape.

#CyberRisk #Insurtech #SMEs #CyberSecurity #InsurancePodcast #BuildingTomorrowsInsurer #KarenStephens #Kanopi

Insurance is no longer just about policies—it’s about meeting customers where they are. As embedded insurance transforms how coverage is delivered, are insurers keeping pace with shifting expectations?

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman sits down with Angus McDonald, CEO of CoverGenius, to unpack the company’s remarkable journey. From disrupting traditional distribution to building partnerships with global tech giants, CoverGenius has redefined what it means to deliver protection.

Tune in as Angus shares:

• The vision behind CoverGenius and its rise as a global embedded insurance leader

• Key lessons from scaling a tech-first insurance business

• How embedded insurance is shaping the future of customer protection

• The challenges insurers face in adapting to this new model—and how to overcome them

For insurance leaders looking to innovate, this episode is a must-listen. Don’t miss this deep dive into the CoverGenius success story with Angus McDonald.

Is the insurance industry stuck in its old ways? In an era where digital media drives brand loyalty and tech reshapes customer expectations, insurance companies might be missing out on huge opportunities. Featured in Feedspot's Top 10 Insurance Podcasts, Kanopi’s Building Tomorrow’s Insurer brings you insights from leaders who are redefining insurance.  

In this episode, host and Kanopi CEO Nigel Fellowes-Freeman speaks with Ian White, the force behind Turbo Ventures and MGA Labs. Ian’s decades of experience in insurance and media give him a unique perspective on why insurers need to radically rethink how they connect with customers.  

Tune in as Ian challenges traditional approaches and shares eye-opening insights on:

• Why the insurance industry needs media as much as it needs tech  
• How legacy mindsets could be losing insurers a digital-savvy customer base  
• The untapped potential of AI and content to rebuild trust in insurance  
• The insurtech trends no one’s talking about—but should be  

For insurance leaders ready to break out of the status quo, this episode offers fresh takes that just might redefine your approach. Don’t miss this discussion with Ian White as he calls out what’s missing—and what’s possible—in the future of insurance.  

Is the traditional insurance cycle dead? As capital, technology, and consumer expectations shift at an unprecedented pace, insurers can no longer rely on historical patterns of hard and soft markets to drive their strategies.

In this episode ofBuilding Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman sits down with Bryan Falchuk—bestselling author, insurtech advisor, and CEO of PLRB—to explore the forces reshaping the industry.

Tune in as Bryan shares:
🚀 Why insurers must abandon the cyclical mindset and embrace constant evolution
📉 How AI and data-driven underwriting will redefine profitability
🔄 The rise of embedded and dynamic insurance models
🤝 The secret to successful insurer-insurtech collaboration

With leadership transitions and rapid AI adoption on the horizon, the next decade will bring a fundamental shift in how insurers operate. Are you ready for it?

Listen now to gain insights that will shape the future of insurance. 🎧

The insurance industry is at a crossroads. While technology reshapes distribution, embedded insurance gains traction, and climate risks surge, are insurers truly prepared for the future?

In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman speaks with Steve Tunstall—board director, risk expert, and founder of PARIMA.org and Inzsure. With over 30 years of experience across Asia and global markets, Steve has led risk management for companies like Cathay Pacific and Jardine Pacific and is deeply engaged in how insurers must adapt to remain relevant.

Tune in as Steve shares sharp insights on:
🔹 Why Asia’s insurance penetration lags behind mature markets—and how to close the protection gap
🔹 The role of embedded insurance in reaching underinsured populations
🔹 How climate risks and NATCAT losses will reshape the global reinsurance market
🔹 Whether large insurers can survive another decade without true transformation
🔹 The critical role of storytelling in rebuilding trust in insurance

If you’re interested in the intersection of risk, regulation, and innovation, this episode is packed with thought-provoking takeaways. Don’t miss it!

What does it take to revolutionize the insurance industry while staying grounded in authenticity and purpose? In this episode of Building Tomorrow’s Insurer, host and Kanopi CEO Nigel Fellowes-Freeman sits down with Jeff Shi, founder of Insurtechs.io and a top 50 InsurTech influencer.

Jeff shares his inspiring journey from building a car performance shop in his early days to founding J&J Insurance, where he grew a scratch agency to $27 million in premiums. He brings a wealth of insights on innovation, customer-centric strategies, and the critical role of storytelling in creating trust and brand value in the insurance sector.

Tune in to explore:

This episode is packed with actionable insights and forward-thinking perspectives for anyone navigating the evolving insurance landscape.