This article explores the changing nature of risks, the analytics that risk managers expect from their insurers and brokers as well as touching on the next generation of technology driven change. 

This is not just a challenge for retail insurance as it will also impact the specialty insurance market currently centered around Lloyd's and London. 

As we enter the 4th industrial revolution Cyber-Physical Systems will transform the world of risk, enabling autonomous mobile systems, medical monitoring, process control systems, robotic systems and automatic pilot avionics - to name just a few. 

The question is will this new, hyperconnected world create the burning platform for transformative change in the London market’s products, services and processes…or is it simply too late?