Interesting sign of building out the insurance ecosystem and, of course, vice versa from hospitality with Covid-19 the catalyst.

McKinsey scores the travel and insurance industries as achieving the lowest scores for digital adoption both achieving just half that of the banking industry.  See The COVID-19 recovery will be digital: A plan for the first 90 days Exhibit 1.

In planning digital acceleration insurers and hoteliers might consider partnerships and cooperation before disrupters force their hands.

"Rising digital maturity is challenging hotel companies to innovate their hotel operating model and transform the customer experience in order to compete in the future.  Covid-19 has made that now critical to survival.  Cloud technology is a key enabler but for most hotel companies their legacy systems acts as a barrier. "

Tim Davis CEO PACE Dimensions

They both seem held back by legacy systems.