This episode is Part II of our series on digital disruption in the insurance industry. Click here to listen to Part I.
There are many factors that can lead to disruption inside the insurance industry.
In Part I of this two part podcast series we discussed the definitions of Innovation and Disruption:

Innovation – new methods, ideas, or products which improve upon an existing process or product.
Disruption – that which causes you to make a fundamental change in business strategy.

Too often we confuse innovation and disruption. Innovations in process, strategy and technology happen all the time. Think of innovation as a strong set of waves washing away a bit of beach.