Embedded insurance is moving from add-on to infrastructure. Nigel Fellowes-Freeman, Founder and CEO of Kanopi, and Richard Bracken, Head of Consumer Partnerships for APAC at Chubb, explain how the industry is using rich, real-time data from digital ecosystems to deliver the right protection at the right moment. This shift addresses APAC’s widening protection gap by breaking products into simple, granular coverage, matching them to clear signals (what you buy, when, and where), and keeping experiences low-friction and contextual. Success should be measured by how much the protection gap shrinks, people getting the right cover exactly when they need it.