Il futuro dell’assicurazione. Opportunità e minacce delle tecnologie digitali nell’assicurazione del futuro.

Big Data seems to reverse the information asymmetry between insurance companies and policyholders. Through the growing development of InsurTech, insurance companies might know more about the policyholder than the policyholder knows about herself. This reversal leads to complex issues of privacy, transparency and circularity of information. What is now called Insurance-of-Things, moreover, could have a disruptive impact on the insurance business, marking a turning point from a reactive approach to a proactive approach. The information available though algorithms could allow the insurer to know future damages in advance and to move from a compensatory approach to a preventive approach. In this paper, we briefly show how these changes could redefine business model, social performances and technical skills in the insurance sector.