The COVID-19 pandemic has had a profound effect on the economy and entangled itself into many facets of our personal and professional lives. Although the full effects are still unknown, the impact on the insurance industry will likely be far reaching. Necessity is the mother of invention. In the past, such crises have generated a lot of energy that has forced the reshaping of markets and spurred innovation. The crisis has put strengths and weaknesses under a spotlight and may challenge providers to rethink their assumptions and address their points of failure.