It is no secret that the insurance industry product and service offering has remained stoically unchanged for a long time. While there have been new products and coverages introduced to the market, fundamentally the proposition is the same today as it always has been, other than for some niche, low-volume plays. However, there are glimmers of hope that across the insurance landscape, we can see some potential disruptors to the status quo in both General Insurance and Specialty. In this article, David Clarke, Miles Bishop and Mesky Loane explore the trends that are driving changes in the insurance proposition offering.