Radical Simplicity

The average personal lines policy document runs to dozens of pages of language that most policyholders will never read until they file a claim. At that point, complexity becomes a liability for everyone.

Coverage disputes driven by ambiguous policy language cost carriers in litigation, reputation, and regulator attention. Simplifying language is not just good UX; it is a risk management move.

Commercial lines has an even greater challenge. As risk complexity grows, the temptation is to add endorsements and carve-outs rather than rethink the base form. The result is policies that even experienced brokers struggle to explain.

A handful of carriers are experimenting with plain-language rewrites and layered disclosure models, where the core coverage is stated simply and the detailed conditions are accessible on demand. Early results on satisfaction and dispute rates are encouraging.