2021-11-03-Willis_Towers_Watson-保险科技季度简报2021年第3季度（英）_46页_6mb

报告摘要

Key Highlights

Global InsurTech funding reached $3.1 billion in Q3, marking the second-largest funding quarter on record.
Deal activity decreased to 113 transactions quarter-on-quarter, though overall investment volume remained elevated.
Cybersecurity and climate risk mitigation lead as top areas for continued investment.
InsurTechs are increasingly contributing to solving systemic risk challenges across eight identified critical factors.
Parametric and blockchain-based solutions accelerating adoption in insurance distribution and risk management.
High valuations persist, though over 90% of InsurTech businesses faced no fundraising activity in Q2.

The briefing categorizes critical emerging risks into eight focus areas:

Climate change/weather: Driving need for new risk transfer models and better data.
Cyber/Digital Outage: With increasing frequency and complex financial impacts.
Changing Behavior & Urbanization: Impacting demand patterns and risk profiles.
Resource Management: Recognizing strain on physical infrastructure versus renewable alternatives.
AI/Robotics transforming risk selection and operations.
Demographics creating new protection needs.
Financial Insecurity and shifting economics.
Political/regulatory changes altering risk environments.

Climate Risk solutions featured prominently via Understory, Arbol, and Stable.
Cyber Risk innovations highlighted in discussions of At-Bay and Coalition.
Parametric/Payers spotlighted in feature profiles including OTONOMI, Corvus, and Kettle.
Actuarial AI and IoT adoption driving efficiency gains as seen with Previsico, Envelop Risk, and Concirrus.

Featured insights from:

Manny Citron (Volery Capital): Importance of embedding impact into business models.
Toby Behrmann (Global Parametrics): Data as currency for risk transparency and access.
Julian Roberts (Willis Towers Watson): Parametrics expanding risk coverage beyond traditional indemnity models.
Incumbents Corner features Brendan Smyth & Premal Gohil (Liberty Mutual) discussing partnerships and strategic technology adoption.

Tech-driven solutions for more granular risk modeling and resilience-focused products.
Valuation peaks potentially overextended, with most InsurTechs underfunded relative to growth.
Transaction activity increasingly concentrated, highlighting elite players' dominance.
Cyber and climate represent both existential threats and major innovation frontiers.

Note: Full transaction data, detailed financials, and deeper technical insights remain in the original document.

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