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Nearly every industry has encountered disruptive start-ups that ultimately become action verbs — Uber, Airbnb, Amazon — and the list goes on. To date, the insurance industry has had limited exposure to such disrupters, due in part to relatively high barriers to entry.

However, the list of tech-startups gaining a foothold in the industry is expanding, including Oscar, Metromile, and SimplyInsured. These companies’ ability to address key policyholder pain points is fueling strong growth.

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