2018 LexisNexis Risk Solutions Customer Advisory Meeting

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Since its formation in 1996, the Customer Advisory Meeting has been held annually to engage key customers on industry best practices and innovations. Each year hundreds of insurance executives participate in plenary sessions, network with peers and learn how they can grow a more profitable book of business with help from LexisNexis.

Image courtesy of LexisNexis

Image courtesy of LexisNexis


Commercial: The Future of Commercial Insurance Panel Discussion - Taking on Transformation

In today’s data-driven, connected world, there are a variety of new technologies, data sources, and changing market dynamics on the minds of everyone in the industry. Following the introduction of these concepts in the first commercial session, we will facilitate a panel discussion among industry experts who will provide their own thoughts on how they already, or plan to, address these evolving market trends and industry dynamics. You will leave this session with ideas and concepts that can help you begin to take steps now to prepare for the transformational changes of tomorrow.

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Panelists:

Christina Goldschmidt, Accenture, Bloom, Design Director

Ernie Feirer, LexisNexis, VP & GM Commercial Insurance [Moderator]

Patrice Nolan, Competiscan, Vice President, Research Services

Jenn Parker, Berkshire Hathaway Specialty Insurance, Director, Customer Experience, Small Commercial

Learn more about the conference here:

LexisNexis Risk Solutions CAM 2018

Luminary Conversations with Respondent Inc

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I am honored to be the first in the series of Respondent’s Luminary Conversations. They are furthering their mission by bringing the greatest research minds together to talk about how we work today, research methodologies and where we think the future of research is headed.

Image courtesy of Respondent Inc.

Image courtesy of Respondent Inc.

““It’s not just about mining data in order to make your experience truly personalized and customer-centric. User research still has a core part to play.” ”

Two Sigma Summer Salon

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Have thoughts on which audience groups will be most effected by massive tech disruption?  I joined the debate at Two Sigma Ventures where I was an expert speaker about customer insights for the Gig Economy.  

Image courtesy of Two Sigma Ventures

Image courtesy of Two Sigma Ventures

Two Sigma Ventures is excited to host our second Summer Salon - an evening of lively conversation with some of the smartest people we know in NYC. We look forward to hosting you in our SoHo space on Thursday, July 12th. Come ready to debate the following:

Which demographic will be the most affected by technological advances and/or automation over the next 25 years?

- A 16 year-old considering post-high school life
- A 30 year-old supporting a family by working in the gig economy
- A 45 year-old mid-career worker without a college education and/or a high-tech skill set
- A 55 year-old planning for post-retirement life

See the full agenda here:

https://www.eventbrite.com/e/two-sigma-ventures-summer-salon-tickets-47043935678?utm_source=eb_email&utm_medium=email&utm_campaign=event_reminder&utm_term=eventname

Image courtesy of Two Sigma Ventures

Image courtesy of Two Sigma Ventures

I Met Anthony Bourdain for 15 Minutes, but He Made a Lasting Impact

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The passing of Anthony Bourdain is a deep tragedy.  As someone who helped shape my world view, and even how I think about interacting with other cultures and even my own heritage, it is will a heavy heart that I tried to convey his impact on my life for U.S. New & World Report. 

My dear friend, Frances Largeman-Roth's article on Bourdain is a great tribute to him and a symbol of his reach and impact. She details how he personally helped to shape her philosophy on food and travel.  And I was honored that she reached out to be for a quote as well:

“His passion for Vietnamese food helped me connect with my roots through food in a way that I wasn’t able to with my own family.
He gave me access to foods and tastes and cultures that were closed off for me through family drama and the pains of emigration.”

How Platforms Can Protect Workers in the Gig Economy from Sexual Harassment

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Research says that gig workers are particularly vulnerable to sexual harassment. What can platforms do to protect them?

Image courtesy of Cake & Arrow

Image courtesy of Cake & Arrow

One of the risks gig workers are most susceptible to is harassment and discrimination. As they are typically not considered regular employees, gig workers have fewer protections under federal anti-discrimination laws, a fact which, like many of the other risks they face, many gig workers are unaware of.

But platforms can be the solution here to help fight sexual harassment.  Learn how in my article:

https://cakeandarrow.com/newsfeed/2018/05/how-gig-platforms-can-protect-workers-from-sexual-harassment/

Dig In: Battle for the Customer (Experience)

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We all know that insurance is an industry not well loved by customers, and maybe some of that disdain is deserved. As an industry, we haven’t focused on delivering a great customer experience online and offline. But customer expectations of a great experience are continually increasing, and they expect the same level of experience from their insurance company as they are getting from other online companies like amazon, apple and facebook. This panel will discuss the importance of the customer experience in an increasingly online world, and how carriers and startups are evolving to meet those expectations. Panelists will also discuss the challenges of delivering not just a great front-end web experience, but going beyond that to deliver a seamless experience across all touchpoints of service, claims, etc.

Image courtesy of Dig In

Image courtesy of Dig In

I was joined on this panel by Darryl Siry from ProSight Specialty and though Michael Rudy from Jetty was supposed to join us, he didn't make it.  

See my bio and the conference info here:

https://www.dig-in.com/conference/digitalinsurance-2018/speakers/christina-goldschmidt

Podcast - Broker on the Go, Canadian Insurance Top Broker

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Insuring Gig Workers

In this two part podcast, hear me discuss the risks for gig economy workers and what gig works actually want from insurance.

Image courtesy of Canadian Insurance Top Broker

Image courtesy of Canadian Insurance Top Broker

Insurance & Gig Economy Meetup in NYC

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Cake & Arrow teamed up with Coverager to discuss the future of insurance in the age of the gig economy.

Image courtesy of Cake & Arrow

Image courtesy of Cake & Arrow

I presented our data from our white paperr: Insurance in the Age of the Gig Economy: What happens to insurance when business gets personal?, including my research, design work, and insights into the future of insurance in the gig economy. The agenda also consisted of a series of panels and fireside chats with insurance industry executives, journalists and startup founders.  See the full details advertising the event here:

https://cakeandarrow.com/newsfeed/2018/04/special-insurance-gig-economy-meetup-nyc/

Agenda

  • 8:30- 9:15am: Breakfast & Networking

  • 9:15- 9:30am: Welcome & Opening Remarks

  • 9:30-9:50am: Human-Centered Design and the Gig Economy

  • 9:50-10:10am: Branding in the Gig Economy

    • Featuring: Doug Cameron, Chief Strategy Officer & Chief Creative Officer, DCX Growth Accelerator, agency of record for Fiverr

  • 10:10-10:30am: Fireside Chat with Sarah Kessler

    • Featuring: Sarah Kessler, Managing Editor at Quartz at Work and author of the forthcoming book: GIGGED: The End of the Job and the Future of Work

  • 10:30-11:00am: Panel- Keeping Up With the Gig Economy

    • Jeff Rutledge, CEO of AIG Travel
    • Matan Slatger, Head of Market Disruption, Personal Insurance AIG
    • Darryl Siry, Chief Digital Officer at Prosight Specialty Insurance, which recently launched ProSight Direct, an online sales platform that allows DJs to buy insurance online in minutes
    • Mick Noland, Senior VP for MetLife Auto & Home's product management, the company’s property & casualty business

  • 11:00-11:30 am: Panel- Platform Perspectives: Meeting Gig Workers on Their Own Turf

    • Josh Karam, Co-Founder and CEO of Hyr, on online platform connecting traditional businesses (starting with restaurants, hotels, and retailers) to quality workers, on demand, without the need of an archaic staffing agency
    • Ace Callwood, CEO and Co-Founder of Painless1099, a smart bank account that manages 1099s, benefits, and taxes for independent contractors and their clients.
    • Mario Gabriele, Business Strategy at Fiverr and former Chief of Staff at AND CO.
Event attendees, image courtesy of Cake & Arrow

Event attendees, image courtesy of Cake & Arrow

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Christina conducing a fireside chat with author Sarah Kessler.  Image courtesy of Cake & Arro

Three Muse Creative Awards

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Cake & Arrow Wins Three Muse Creative Awards for content marketing and design. 

Image courtesy of Cake & Arrow

Image courtesy of Cake & Arrow

Muse Awards are an international competition recognizing the best creativity in advertising, design & digital. And I'm happy to have contributed to these three great projects: 

Read more about it here:

https://cakeandarrow.com/newsfeed/2018/04/cake-and-arrow-wins-three-muse-creative-awards/

CUNY Hackathon and ProtoHack Design Thinking Workshop

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In preparation for the Spring CUNY Hackathon, I lead a design thinking workshop to help the participants prepare for the marathon event.  The prep session was put on by Protohack and hosted at Galvanize.

Image courtesy of CUNY Startups

Image courtesy of CUNY Startups

You can download my slides here:

What if a Chatbot Could Help You Buy Insurance?

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As digital assistants and on-demand advisors, chatbots will fundamentally change the way people buy insurance. Read my thoughts on how to design the best chatbot experience and see an example of what it could look like!

Image courtesy of Cake & Arrow

Image courtesy of Cake & Arrow

Read more about chatbots here:

https://cakeandarrow.com/newsfeed/2018/04/if-a-chatbot-could-help-you-buy-insurance/

And check out the video of the experience:

 

 

The Impact of the Gig Economy and Non-traditional Labor Models

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On April 4th, I'll be moderating a panel at the HR Transform conference on the gig economy.  150 million workers in North America and Western Europe no longer call the confines of traditional employment their work home, having chosen (and many times not) life as independent contractors. It is one of the largest shifts to have happened to the workforce and workplace in generations. What it means for HR leaders is equally profound, especially if the estimates of 43% of the workforce being “gig” workers in less than two years’ time. Independence should be a choice, and these workers should be leading richer lives than they were previously. The time is now to both harness the desire to ensure happiness and productivity for all.

Learn more about the conference:

https://transform.us/

Image courtesy of Wade Burgess

Image courtesy of Wade Burgess

Study: Insurance industry is "very behind" in satisfying the needs of the gig economy

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The results of Cake & Arrow’s latest case study have been published – and it has found that the insurance industry needs to do more to meet the needs of gig economy workers.

Image courtesy of Insurance Business America

Image courtesy of Insurance Business America

This Insurance Business American article quotes the white paper and case study that I wrote:

With nearly 40% of the US labor market now comprised of gig workers, the insurance industry is already very behind in satisfying the needs of this market
Our hope is that our case study and the prototype we designed will accelerate some of the thinking and innovation that is long overdue in the industry.

 Read the whole article here:

https://www.insurancebusinessmag.com/us/news/breaking-news/study-insurance-industry-is-very-behind-in-satisfying-the-needs-of-the-gig-economy-96322.aspx

Discussing MegaTrends & Emerging Risk at SVIA’s InsurTech Fusion 2018

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Hear my speak on March 27th at the 2018 SVIA InsurTech Fusion conference.  I'll be chatting about shifting consumer behavior, and how insurance companies can anticipate and successfully respond to emerging risks.

Read more at the Cake & Arrow site:

https://cakeandarrow.com/newsfeed/2018/03/christina-goldschmidt-insurtech-fusion-2018/

See a video of my talk, fast forward to the 13:05 mark:

The Gig Economy is Changing the Way We Work

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At Cake & Arrow we wanted to explore what it would be like to design insurance for gig economy workers that offers flexibility and stability. 

 

OUR HYPOTHESIS

As of now, about 15% of gig workers rely on platforms like Uber, Upwork, or TaskRabbit to conduct their work. This number is expected to grow. Motivated by the absence of insurance designed for these workers and their general lack of understanding around risk, we thought: what if there was insurance specifically for gig workers, designed around the apps they are already using, which helped them better understand their risk and provided them with some of the security and stability of full time workers?

So we did some research, built a prototype, and tested it. We learned alot about the mindsets of gig workers and what they are looking for in an insurance product.

Image courtesy of Cake & Arrow

Image courtesy of Cake & Arrow

Gig Economy Workers in Workers Compensation Gray Area

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I was recently quoted in BusinessInsurance.com on the gray area that is misclassification of employees in the gig economy.  In the Lawson vs. GrubHub case, the judge declared Lawson to be a contractor, thus dismissing his claims to back wages and expenses.  The gig economy seems to continue to be a gray area and gig workers are left vulnerable and exposed without the proper education to understand their risk exposures.  

My quotes:

"What I'm seeing, looking at the industry as a whole, is that everyone is knows that this is an issue and they are having dialogues internally within the industry and at their companies, but they are waiting to see."
"Its a gray area, and it's going to be either an opportunity or a larger risk that emerges, but right now they have yet to figure that out.  People are trying to propose ideas that would be a win-win."

Read the article, note it requires free registration:

http://www.businessinsurance.com/article/20180305/NEWS08/912319510/Gig-economy-workers-in-workers-compensation-gray-area

InsuranceThoughtLeadership.com

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My article on what the insurance industry can learn from the commerce industry was recently republished in Insurance Thought Leadership dot com. 

Trust remains one of the insurance industry’s greatest barriers to transformation. What lessons can they learn from retail ecommerce?

Image courtesy of InsuranceThoughtLeadership.com

Image courtesy of InsuranceThoughtLeadership.com