Christian Czempiel

Most founders of startups know little about insurance -- and most insurance experts know little about startups.

Should startups begin as MGAs? The road to market is faster, but there are complications.

Startups will need to be in control of marketing, distribution, customer experience -- and a lot more.

Finding “Blue Ocean” is challenging in a low-growth, large market, and startups won't produce a surge of growth for insurance.