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PODCAST · 02 JUNE 2026

Captives, Data And Emerging Risks: Rethinking Insurance (Podcast)

Guernsey Finance
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In this episode, host Ben Perfitt speaks with Tom Hoad, Head of Howden Ventures, about how insurance is evolving through startups, data, and collaboration.

United KingdomInsurance
Tom Hoad
Tom Hoad
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In this episode, host Ben Perfitt speaks with Tom Hoad, Head of Howden Ventures, about how insurance is evolving through startups, data, and collaboration. They explore how new technologies are changing risk management, alongside the growing role of captives as platforms for incubating solutions to complex risks, and the power of client-sourced data in driving innovation.

Tom Hoad references the charity Humanity Insured, led by CEO Charlie Langdale. Humanity Insured funds a portion of insurance premiums to help the most vulnerable access world-class insurance, enabling them to recover quickly and build resilience. Find out more here.

Read the full transcript:

Ben (00:00)

Hello and welcome to the Guernsey Finance podcast, bringing you conversations with leaders from across global finance along the latest news and developments from Guernsey's financial services sector. I am Ben Perfitt, Senior Technical Associate at Guernsey Finance, and I'm really pleased today to be joined by

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