On the "Insurance Coffee House" host, Nick Hoadley welcomes Andy Moss, the CEO and co-founder of Send.

Andy provides an insight into his 25-year career, starting in technical his accidental fall into the insurance industry in 2003 after a previous role at BBC Radio Music New Media.

He gained broad insurance experience through roles with Xchanging (later acquired by CSC and merged into DXC), the Corporation of Lloyd's, and as a managing agent in the London Market.

Andy shares the journey to launching Send alongside his two co-founders, to scratch the proverbial “entrepreneurial itch” in 2018.

All with backgrounds as software developers, the initial focus of the platform was on data and integration. Send launched with its first customer in 2019.

With clients across the London Market and in the US, the platform provides a variety of benefits. Andy highlights how Send helps bring insurance technology into the modern era, helping clients make better underwriting decisions by understanding the portfolio impact of individual submissions, improve operational efficiencies by automating digital paperwork and unstructured data management, and ensure compliance with rules and regulations.

He discusses their business growth, particularly in the US market, noting the larger scale and different go-to-market approach compared to the concentrated London Market. Despite the differences, Andy emphasizes the common challenges in underwriting across both regions.

Looking ahead at the next five years, Andy shares a "techie's angle" on evolution within the insurance market. He sees a continued drive to apply automation to increasingly complex product lines, building on the success of digital underwriting for simpler products.

Andy discusses the rise of AI and the increasing use of data in underwriting, stressing the importance of 'operationalizing' and integrating new data sources and AI tools within the underwriting workflow to avoid creating more disconnected systems.

With around 20% of Send’s 100-strong team having a background in insurance, Andy stresses that while insurance knowledge is valuable, they also value the diversity of backgrounds and different perspectives that employees bring.

Andy uses the phrase "knowing the art of the possible" to describe the key combination of insurance expertise and technological understanding needed in the insurtech space.

He advises insurance executives considering a move to insurtech to recognize the value they already add, particularly those focused on data, process, and automation opportunities. He suggests reflecting on their current skills and job functions and mapping that onto the requirements of insurtech roles, as well as networking at industry events.

As closing advice, Andy urges people to "just get involved" in technology initiatives within the insurance industry to improve outcomes.

Connect with Andy Moss on LinkedIn or find out more about Send.

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