Enrico Bertagna (SVP Global Biz Dev) of Allied World (AW), makes a couple of interesting points about P2P - and not just about the potential disruption created by the likes of Guevara and Lemonade.

It is important to remember that Threats can quickly become Opportunities if handled correctly. Mr Bertagna mentions the new products that will need to be developed for Users in the 'Sharing Economy', as well as for Sharers and for Facilitators. 

The refreshing thing here is that the Wholesale insurance market is paying close and timely attention to the disruptive forces in the market. I have long considered AW to be a firm that strives for innovation, a trait that is often rare for a Lloyd's syndicate. If they can put this in to action again now, they will certainly steal a march on their London market peers.