Introduction — Why gig workers need new insurance solutions By 2025, the gig economy is no longer a side hustle trend — it’s a major pillar of the U.S. workforce. From Uber and Lyft drivers to freelancers on Upwork, Fiverr, and TaskRabbit, more than 60 million Americans now earn some or all of their income … Read more
Introduction — Goodbye flat rates, hello personalized premiums For decades, auto insurance in the U.S. worked the same way: your rate was set based on age, zip code, credit history, and past driving record. But in 2025, a quiet revolution is reshaping the industry. Enter usage-based auto insurance (UBI) — a model powered by telematics … Read more
Introduction — When climate risk meets your insurance bill By 2025, climate change is no longer a distant threat — it’s a monthly headline and a household budget issue. In California, devastating wildfires are torching entire communities, while in Florida, increasingly intense hurricanes are flooding cities and flattening coastal homes. The financial fallout isn’t just … Read more
Introduction — Why 2025 is the tipping point for cyber coverage Cyberattacks aren’t just an IT headache anymore; they’re a top-line business risk. In 2025, U.S. companies face record-high ransomware demands, supply chain hacks, and data breaches that cost millions in recovery, lawsuits, and reputational damage. With regulators cracking down on disclosure requirements and customers … Read more
Introduction — Why 2026 feels like a turning point As we approach the 2026 ACA open enrollment period, Americans are facing some of the steepest premium increases in years, shifting subsidy rules, and regulatory upheaval. What made health insurance relatively stable through the pandemic is beginning to fray: enhanced tax credits that subsidized marketplace coverage … Read more
Introduction — Insurance meets disruption For decades, U.S. insurance was dominated by legacy giants — think State Farm, Allstate, or Travelers — with business models built on paperwork, agents, and complex underwriting. But in 2025, the rise of insurtech startups has rewritten the playbook. Companies like Lemonade, Root, Hippo, and Next Insurance are leveraging AI, … Read more
Introduction — Insurance is no longer an afterthought Insurance used to be something you bought separately: health policies through HR, auto coverage through an agent, travel insurance through a third-party site. By 2025, that model is being rewritten. Today, insurance is showing up right where consumers shop, bundled seamlessly into checkout pages for flights, electronics, … Read more