Research that illuminates the path to high-impact innovation.

Insight built from practice, not theory. 

Through deep involvement and collaboration across FinTech, InsurTech, and the broader risk ecosystem, we’ve produced a library of research that does more than describe trends—it prescribes action. Each report is built on the same principle: that innovation, when guided by a robust yet flexible framework, creates measurable enterprise value.

Our methodology—DIVAAA™—shapes how we approach research just as it shapes how we approach venture clienting. We Discover the market forces that matter. We Investigate the ventures and technologies driving change. We Validate findings through real-world engagements with leading insurers, banks, and enterprise organisations. And we publish what we learn so that the broader industry can act on it.

The result is a body of work that spans AI and automation in insurance, embedded health and digital distribution, sustainability and climate risk, and the operational patterns that separate high-performing insurers from the rest. Whether you’re a Chief Innovation Officer designing your next venture programme, a CEO preparing for board-level transformation, or a venture founder looking for evidence that your market is real—this research was built for you.

A Practical Formula for the AI-Powered Insurer

The AI-powered insurer isn’t a future concept—it’s an operating reality. This report explores where early adopters are unlocking new performance thresholds across customer experience, underwriting precision, claims automation, and commercial operations. We examine how forward-thinking insurers are combining agile innovation frameworks with strategic partnerships from leading AI and InsurTech ventures to accelerate digital transformation at scale.

Inside, you’ll find practical blueprints for moving from experimentation to enterprise-grade intelligence, benchmarks from real deployments, and the strategic choices that separate organisations building AI into their operating core from those still running pilots.

Key themes: AI in insurance, claims automation, underwriting AI, digital transformation, InsurTech partnerships, and enterprise AI adoption.

Published: Q1 2025 by Sabine VanderLinden, Alchemy Crew Ventures

Closing the Digital Gap for Emerging Risks in P&C and Life & Health Insurance

Emerging risks—from climate volatility to cyber exposure to pandemic-era liabilities—are outpacing the digital infrastructure most insurers rely on. This white paper, born from the Harmonizing Sustainability think tank co-hosted by Alchemy Crew Ventures alongside Sønr and 360 Digital Immersion at ITC Vegas and ITC-DIA 2023, maps the gap between where insurers are and where they need to be.

The discussion underscored that closing the protection gap demands more than innovative solutions—it requires widespread organisational adoption, cross-functional validation, and the ability to de-risk technology investments before full-scale implementation. This report provides the roadmap.

Key themes: emerging risks, protection gap, P&C insurance, Life & Health insurance, digital infrastructure, climate risk, InsurTech adoption.

Published: Q3 2024 by Sabine VanderLinden, Alchemy Crew Ventures

The Future of Commercial Sustainability

Insurance has evolved beyond merely predicting and mitigating risk. The industry now plays a broader role in building commercial sustainability—connecting protection with prevention, and risk transfer with resilience. This white paper explores how cutting-edge technology and innovative insurance practices are converging to tackle rapidly evolving sustainability challenges.

Drawing on real venture clienting engagements, we examine how ambitious corporates are uniting with high-growth ventures to drive measurable outcomes through repeatable, scalable adoption. The report maps new business models at the intersection of ESG, climate adaptation, and commercial insurance—and identifies the organisations' positioning to lead.

Key themes: commercial sustainability, ESG insurance, climate adaptation, sustainable insurance, venture clienting, risk resilience.

Published: Q2 2023 by Sabine VanderLinden, Alchemy Crew Ventures

Embedded Health: The Next Growth Frontier for Insurance to Reshape Access to Care

Embedded health is reshaping how people access care—and how insurers create value. This report explores how embedded health solutions, integrated directly into everyday platforms like banking apps, e-commerce, and employer portals, are closing the protection gap, driving personalisation, and expanding access to affordable, proactive healthcare at scale.

We unpack the evolution of embedded insurance from transactional add-ons to strategic distribution channels, highlight proven business models from leading InsurTech and HealthTech ventures, and examine the foundational digital, data, and ecosystem capabilities that make embedded health commercially viable. If you’re evaluating embedded distribution as a growth lever, this is your evidence base.

Key themes: embedded health, embedded insurance, HealthTech, digital distribution, insurance personalisation, protection gap, embedded finance.

Published: Q2 2022 by Sabine VanderLinden, Alchemy Crew Ventures

The Transition Economy: Sustainable Transilience

The transition economy is not a distant horizon—it’s the operating context for every insurer and financial services firm today. Climate risk, digital acceleration, and shifting societal expectations are converging to create a landscape where agility and purpose are no longer optional. This report offers a sharp, data-backed snapshot of where the industry stands.

Drawing on our venture clienting framework, we explore how to unlock transformation through sustainable transilience—the ability to navigate systemic disruption while building long-term resilience. We spotlight how corporates and high-growth ventures are co-creating solutions that drive both commercial performance and positive impact, from renewable energy risk models to parametric insurance and beyond.

Key themes: transition economy, climate risk insurance, sustainable finance, parametric insurance, ESG transformation, resilience, venture clienting.

Published: Q4 2021 by Sabine VanderLinden, Alchemy Crew Ventures

European Insurer Value Analysis: Unlocking the Formula for High Performance

What separates Europe’s highest-performing insurers from the rest? In partnership with ACORD, Alchemy Crew Ventures analysed top European-headquartered insurers representing over €1.2 trillion in annual revenue. This strategic study identifies the core growth levers, innovation adoption patterns, and operating models that drive long-term value creation.

The report offers a data-backed roadmap by examining sources of growth, effective adoption of emerging technologies, and the operational excellence that sets top insurers apart. By applying rigorous curation and benchmarking, we provide actionable recommendations for any insurer looking to unlock new growth pathways in a complex and competitive European insurance landscape.

Key themes: European insurance market, insurer performance, ACORD partnership, growth strategy, technology adoption, operational excellence, insurance benchmarking.

Published: Q3 2021 by Sabine VanderLinden, Alchemy Crew Ventures