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Is Elon Musk and Tesla causing the most industry disruption today? Or is the startup Lemonade the company that will lead insurance transformation? (Photo: Shutterstock) Is Elon Musk and Tesla causing the most industry disruption today? Or is the startup Lemonade the company that will lead insurance transformation? (Photo: Shutterstock)

I’ve never been a big fan of the term disruption. I believe that in the InsurTech world, a majority of the startups are partnering with incumbents to enable industry transformation. They are catalysts for change, to be sure. But few are truly turning the industry on its head.

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