Nick is an Innovation Engagement Lead at Ninety Consulting, leading on projects to help some of the worlds largest insurance carriers innovate more effectively. Nick has over a decade of experience in insurance innovation, across multiple lines and disciplines, with a specialism in property and general liability claims. Prior to Ninety, Nick headed strategy and innovation at Saga, a leading personal lines broker in the UK. There, he oversaw the introduction of disruptive personal lines propositions and led collaborative insurance projects with universities, start ups and top tier insurers.