We're all constantly searching for the compelling commercial insurance examples of tech-driven disruption.  While Allianz's implementation of 360Globalnet's video streaming for claims service will not change the world it will undoutably increase customer satisfaction and reduce claims handing costs - both major opportunity areas for all carriers.

These are the type of right-her, right-now positive improvements to BAU that insurance players need to be making, in parallel to more innovative research.  Success with this type of ideas doesn't just bring immediate benefit to carrier and customer but also increases the likelihood that senior management supports slightly more daring tech-driven innovation.