I've recently been highlighting #InsurTech a lot because of the significant role I think it will play in enhancing the profile of insurance and engaging better with Clients.

Chubb's efforts with their HNW offering demonstrate that innovation can come in many different forms. 

Often, when new threats or risks arise, they are almost immediately excluded from most 'All Risks' policies (I know this is not always the case, but it has happened often enough - particularly on corporate exposures - that Clients are questioning the value of what they are buying even more). That Chubb have redeveloped their product to provide specific support for emerging threats is an excellent example to set.