Incumbent insurers are under increasing pressure to prove their worth as disruptors such as Metromile and startups like Knip and Insurify offer customers greater simplicity, more convenience, and better engagement at competitive prices. To innovate and accelerate their firms' transformation to a digital business, eBusiness and channel strategy professionals at incumbent insurers must re-envision their business as part of a broader digital ecosystem of partners that share valuable data and services. This report examines how ecosystems fuel digital businesses in the insurance sector and why eBusiness executives must create them.