Tech stack fragmentation & poor integration

Insurance tech stacks are a patchwork of legacy core systems, point tools and off-the-shelf platforms that don't talk to each other, leaving data siloed and workflows held together by manual effort.

Analysis:

An integration/middleware platform purpose-built for insurance could become the connective tissue between carriers, agencies, and vendors. The fragmentation is structural and worsening as more point solutions enter. A company that owns the data layer across the insurance stack could build a massive, defensible business.