Geneva Association Report

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3rd October 2019

It was a pleasure to be invited to Clyde & Co's workshop at @Market_Minds' Insurance 3.0 conference, on the use of technology to close the protection gap in emerging markets . It was a great opportunity for Gethin Jones to discuss how Skyline Partners is using technology to create innovative parametric protections for agriculture and renewable energy.


According to this report, South Asia still remains a region with very high protection gap for Natural Catastrophes property where over 90% of assets are uninsured for flood, wind and earthquake.

In the latest modelled estimates, India looks even closer to 100%.

The global key root causes listed are very interesting:

On the demand side, affordability, trust, awareness and appeal are listed. The traditional insurance model can’t solve this, it is the main reason why there is an issue in the first place. Interestingly on the trust thermometer, financial services are at the low end and technology companies at the top!

On the supply side, transaction costs, moral hazard, regulatory hurdles and capacity challenges in extreme scenarios seem the main ones.

The solutions recommended by the report are around embracing technology, creating innovative products and bridging public private interests. It even insists that for Weather the best solution is to let private sector expertise develop a commercially viable solution and the government should step in to help with regulatory and when reaching the insurable limits in extreme events.

Skyline Partners Ltd partnering with IBM brings a very relevant proposition in line with this report.


Skyline Partners is premium member of IBM Global Entrepreneur Program.

Laurent Sabatié

Co-Founder / Executive Director

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