Digital disruption has arrived in insurance. Years of slow growth, low consumer trust, and heavy regulation have weakened incumbents. In the meantime, customer expectations have been rising, fuelling the appetites of startups and companies not traditionally associated with insurance, such as digital platforms, car manufacturers, utility companies, telcos, and sensor and wearable manufacturers. In 2014, digital insurance executives must lead the battle against digital inertia. Experimenting with new digital touchpoints, new sources of consumer data, and open innovation, these executives will seek to engage with their customers and deliver returns on digital investments.