As societies across the globe grapple with increased uncertainty, from climate change geopolitical risk, or the revolution of technological progress — insurance is fundamentally changing.

Technology is making insurance more affordable, accessible, and customizable than ever — reducing barriers to access for historically underserved customers (i.e. small businesses, independent contractors, lower-income consumers, etc.) and unique customer needs.

In our new report, Impact InsurTech, we identify three macro themes that are redefining the industry.