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Expert, unbiased opinions from Insurance, Tech and Emerging Market Insiders. Work with leading global experts today.


The Expertise Your Enterprise Deserves

Crit's risk management & consulting services

identify, analyze, and address opportunities for consumers and businesses seeking certainty during uncertain times. 

Strategic insight. 

Explainer videos, one-to-one consultations, tailored, industry leading advice and analysis for

B2B |B2C. 

Insurance Innovation Services

Source the talent you need today.

Navigate change.

Agile thinking & tailored guidance for insurance technology startups and legacy insurers.
Planting a Tree

Work with us to scale your projects and traverse ecosystems.

We provide insurance sector guidance in commercial lines and new industry verticals like AI/SaaS, Cyber, Bio-tech, to name a few. 

Get From A to B Faster.

It is imperative organizations adapt to changing industry dynamics, risk offerings, and consumer trends.

New technologies are enhancing various aspects of the insurance industry. Traditional insurers are benefiting from these technologies by modernizing outdated infrastructure and creating new efficiencies, products, and services. Startups are capitalizing on opportunities to work with legacy processes and systems, utilizing risk data and regulatory expertise. The market is expanding with new products, and participation is evolving across industry verticals, risk offerings, and consumer demand. Stakeholders must adapt to these new modalities to stay competitive. Crit plays a vital role in insurance transformation and innovation. Our mission is to mitigate risk and help solve societal problems. We achieve this by fostering strategic relationships with domain experts and delivering valuable insights. Through Crit, legacy insurers can unlock new revenue streams, and startups can gain expertise and compliance insights.


Link to National Institute of Standards and Technology | AI Frameworks

In collaboration with the private and public sectors the NIST has developed a framework to better manage risks to individuals, organizations, and society associated with artificial intelligence (AI). The NIST AI Risk Management Framework (AI RMF) is intended for voluntary use and to improve the ability to incorporate trustworthiness considerations into the design, development, use, and evaluation of AI products, services, and systems.

Driving progress by connecting the brightest minds.

The insurance industry is undergoing transformative changes, driven by emerging technologies and a broadening array of product offerings. In order to thrive in this dynamic environment, industry stakeholders need to demonstrate agility and adaptability. At Crit, our seasoned consultants collaborate with clients, ensuring they remain at the forefront of these shifts. Whether you're seeking expertise for a specific skill or project, tap into our network. 

Trusted Industry Advice 

Hiring for a skill or project.


Fill out a brief questionnaire based on individual goals, resource needs and collaborative dynamics.


Discover hand selected talent at no cost to you or your team.

Access our industry and domain experts. 

Explainer Videos

Explainer videos

One-to-one consultation

One-to-one virtual consultations

Customized workshops and seminars

Customized workshops and seminars

Clapping Audience | Distributed Workforce Solutions

Distributed workforce solutions

Find the people you need. 

Book a Session

 Create a schedule according to your timeline


Fill out a brief questionnaire based on individual goals, resource needs and collaborative dynamics.


Discover hand selected talent at no cost to you or your team.

Book a Session

Create a schedule according to your timeline.

Virtual Consultation

Meet virtually or in person ask questions and get advice to expedite your projects and goals.

How it works
Sector guidance
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Yoga | Health
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Property & Casualty Insurance


In property and casualty (P&C) insurance, innovation is crucial for addressing emerging risks, improving operational efficiency, and enhancing customer experiences. In kind, new entrants benefit from conferring with insurers and industry experts, on data analytics, legacy risk & compliance expertise. 

Life Insurance


In the life insurance sector, innovation is crucial for adapting to changing customer expectations, improving efficiency, and addressing emerging risks. New preventative risk control technologies introduce new market dynamics that requires diverse skills and collaboration.



Digitization is transforming the insurance industry, from customer interactions to backend processes. Insurers that embrace digital strategies can improve operational efficiency, reduce costs, and enhance the overall customer experience. Partnerships between product experts can help to guide digital transformation and overall market efficacy. 




Modern businesses must carefully assess their specific cyber risks and tailor their cyber insurance coverage to address unique needs and potential exposures. The landscape of cyber threats is dynamic, and insurance and loss prevention products are evolving to keep pace with emerging risks, stakeholders must level up their knowledge  and protection. 

Health Technology


Technology is shaping the healthcare and insurance landscape, offering opportunities for improved patient care, enhanced efficiency, and personalized health insurance solutions. Sub-trends including AR/VR, robotics, sensor and connectivity products are all contributing the the protraction of the risk management and loss prevention industry. 

Internet of Things (IoT)


Insurers are leveraging connected devices and data to enhance risk assessment, prevent losses, and create more personalized insurance products for policyholders across various sectors. Heightening levels of interconnectivity have transformative effects on business models, and customer journey experience.

Collaboration between technology businesses and insurers made easier.



  • Increase operational efficiencies 

  • Drive customer success

  • Explore new ecosystems

  • Develop product lines

  • Build strategic partnerships 

A range of powerful, transformative trends are shaping the future of risk.


To capture growth opportunities, (re)insurers need to anticipate and understand relevant trends and begin transforming their businesses accordingly. Discover interesting trends click below.


Why technology businesses want to collaborate with our insurance experts.

Resources and Expertise

Traditional insurers have extensive industry experience, established customer bases, and a wealth of resources. Startups can leverage strategic partnerships to accelerate their growth and development.


Insurance is a highly regulated industry. Traditional insurers have experience navigating complex regulatory frameworks. Collaborating with them can help ensure compliance and avoid regulatory hurdles.

Trust & Credibility

Legacy experts can have well-established brands and a history of trust with customers. Partnering with a reputable leader can lend credibility to a new business, helping gain trust in the market.


Traditional insurers often have well-established distribution channels, including networks of agents and brokers. S can benefit from developing a clear understanding of traditonal industry channels to reach a broader audience more quickly.

Data and Analytics

Traditional insurers have access to a vast amount of historical data. Insurtechs can leverage this data for better risk assessment, pricing models, and improving their overall underwriting capabilities.

Complementary Technologies

Insurtechs bring innovative technologies and solutions to the table. By collaborating with traditional insurers, they can integrate their technologies with existing systems, creating synergies that benefit both parties.

Market Knowledge 

Traditional insurers have a deep understanding of the insurance market, customer behavior, and industry trends. Insurtechs can tap into this knowledge to refine their strategies and offerings.

Risk Management

Traditional insurers have well-established risk management practices. Insurtechs, especially those focused on emerging risks or new markets, can benefit from the risk expertise of traditional insurers.

Funding Opportunities

Collaboration with traditional insurers may open up funding opportunities for insurtechs. Established insurers might invest in or provide funding to promising startups that align with their strategic goals.

Innovation Acceleration

Traditional insurers may partner with insurtechs to inject innovation into their operations. Insurtechs, in turn, can benefit from the scale and market presence of traditional insurers to deploy and scale their innovations.

Customer Engagement

Traditional insurers can enhance their customer engagement by integrating innovative technologies and services provided by insurtechs. This collaboration can lead to a more personalized and enhanced customer experience.

Why insurers want to collaborate with our sector leaders.

Innovation and Technology  Adoption

Insurance technology startups often bring innovative solutions that can enhance the efficiency and effectiveness of traditional insurers' operations. Collaboration allows traditional insurers to adopt new technologies and stay competitive in a rapidly evolving market.

Agile Thinking

Technologists and product leaders are known for their agility and ability to adapt quickly to changing market conditions. Traditional insurers, which may have legacy systems and processes, that can benefit from the nimbleness of innovators implementing and testing new ideas.

Access to New Segments

Insurtechs/startups often target specific niches or underserved segments of the market. Traditional insurers can leverage these collaborations to access new customer segments that may not be effectively reached through their existing channels.

Enhance Customer Experience

Innovation leaders often focus on improving the customer experience through digital solutions, streamlined processes, and personalized services. Traditional insurers can enhance their own customer service and engagement by incorporating these innovations and expertise.

Risk Mitigation and Data Analytics

Innovative technologies, advanced analytics and data-driven models for risk assessment can benefit insurers by  improving their legacy underwriting processes, pricing models, loss-prevention and  overall risk management.

Cost Efficiency and Optimization

Collaboration with insurtechs can lead to cost savings through the implementation of more efficient processes and technologies. Insurtechs, being technology-driven, often offer solutions that can optimize various aspects of traditional insurers' operations.​​

Transformation & Acceleration

Consumer expectations in the insurance industry are evolving, with demands for more personalized and convenient services. Insurtech collaborations enable traditional insurers to meet these changing expectations and provide a more customer-centric experience.

Market Expansion and Diversification

Insurtech collaborations can facilitate entry into new markets or the introduction of new products and services. This diversification can help traditional insurers reduce dependence on specific lines of business or geographic regions.

Talent and Entrepreneurial Thinking

Insurtechs often have a culture of innovation and entrepreneurship. Collaborating with them allows traditional insurers to tap into this culture, fostering creativity and bringing in fresh perspectives.

Strategic Growth Partnerships 

Traditional insurers can form strategic partnerships  to explore joint ventures, co-development of products, or investment opportunities. These collaborations can lead to mutual growth and long-term success.

Compliance and Expertise

Niche experts may offer expertise in navigating regulatory challenges, especially in emerging areas of the insurance market. Traditional insurers can benefit from collaborations that help them stay compliant with evolving regulations.​

Learning Lab

  • Distributed Workforce Solutions

  • Customized Tools & Processes

Work With the World's Best 

Expedite learning objectives.


Crit can provide students and professionals custom tailored training sessions with industry leading experts. Our learning programs are designed to be fun and immersive training. We can help transform your team—developing technical skills, embedding creative thinking into the work culture, and supporting personal and professional development. Try enrichment programs today. 


The insurance industry and innovation trends.


How Insurers Can Enhance Customer Experience 


Creative process

Intangible Assets
Lets get non-physical: the $60 trillion intangible asset class.


Coming soon... 

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a GAME of "Risk and Reward”.

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Skills and Focus Areas:

  • Portfolio Management

  • Underwriting

  • Catastrophe P&C and Cyber Training 



The .art of 'Alternative Risk Transfer'. 

The (ART) market is a portion of the insurance market that lets companies transfer risk and get coverage without using traditional commercial insurance. This approach allows businesses to customize risk management strategies based on their specific needs and risk profile. Art market examples include, risk retention groups (RRGs), insurance pools, captive insurers, and alternative insurance products.

Artstand presents important concepts and is a project led program that teaches users about “ART" product formation.

Lets Talk

 Innovative insurance & risk management consulting services, please reach out to discuss your insurance needs.

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