New episode on
Insurance for the New Possible

The intersection of online malls, risk management, and embedded insurance is reshaping the way people work, transact, and stay protected in the digital economy. In a thoughtful discussion with Garrett Olson, Head of Insurance and ERM at Wolt, and Sebastian de Zulueta, Head of Digital Business at Chubb in EMEA, we explored the mechanics of trust, protection, and integrity in the platform economy. From safeguarding digital ecosystems to empowering gig workers, their perspectives revealed what it truly takes to build safety nets for modern life—often invisibly and at scale.

Go to Episode

Some of the insights they shared included:

Online malls are the new civic space—and they require digital integrity. These platforms, intermediated by code, must establish rules, norms, and enforcement mechanisms just like physical spaces.
Trust online should mirror real-world signals—but at a technological level. In a physical mall, people intuitively scan others, read social cues, and rely on physical presence for trust. Online, this becomes a technological challenge. Platforms must recreate this trust using data signals.

Insurance needs to be where people work, live, and play. By embedding protection into these everyday categories, users don’t have to seek coverage—they just receive it as part of the value they’re already creating on the platform.
Gig workers currently operate with massive risk—and little protection. From couriers to freelancers, platform workers face daily operational, personal, and reputational risks and Wolt and Chubb are working hard to fix this.
To make insurance invisible and automatic, platforms need precise data triggers—moments when insurance should start or pay out. This includes real-time events like delivery delays, missed gigs, or customer disputes.

Garrett Olson

Head of Insurance & ERM
at Wolt

Dynamic personality with the ability to manage the intersection of innovation, technology and business. Motivated to deliver value by unlocking sustainable business practices through strategy, data & emerging tech. An eye for identifying the right solution that will eliminate pain points in the simplest way, that is scalable and maintainable.

Sebastian de Zulueta

Head of Digital Business EMEA
at Chubb

Sebastian is leads the Chubb digital business for EMEA, partnering with leading technology companies to deliver digital and embedded insurance programmes at scale. Over the last 12 years, Sebastian has been instrumental in introducing new technologies to the insurance sector. He began his career as a Property & Casualty (P&C) broker with Tysers, then transitioned to Lloyd’s of London as an Innovation Facilitator, where he played a key role in establishing the Lloyd’s Lab. Following this, he founded Market Minds, a boutique consultancy, and launched the London-based conference Insurance 3.0. Most recently, Sebastian worked at the FinTech company Stripe, leading their insurance partnerships in the UK and securing significant deals with Chubb and other leading firms.

Insurance for the New Possible

Once a month, find a new episode on Insurance for the New Possible. We gathered insurers, bankers, digital platform builders, Neo banks, airlines, and large investors to discuss the innovation, transformation, and technological evolution that is redefining the massive number of possibilities in the insurance industry.

Listen on:

1st social icon - Space between icon & link

Youtube

2nd social icon - Space between icon & link

Spotify

3rd social icon - Space between icon & link

Apple Podcast

4th social icon - Space between icon & link

Google Podcast

You have received this email because you have subscribed to Insurance for the New Possible by UnderCover Media as . If you no longer wish to receive emails please unsubscribe.

1209 Orange Street, Wilmington, Delaware 19801