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Tech spending in the global insurance industry is estimated to be at $189 billion, with an estimated 800 InsurTech firms addressing the requirements of the $4.5 trillion insurance industry. And, while insurtech has played a huge role in helping modernise the industry, transforming everything from the customer experience to product offerings and existing underwriting and actuarial processes - insurance technology remains in its infancy. From health insurance to landlord insurance and climate risk insurance, we’ve rounded up the top ten insurtech startups we believe are spearheading this evolution.