Chris Sandilands is a partner at Oxbow Partners, a management consulting firm exclusively serving the insurance industry. The firm works across strategy and transformation, digital and M&A in general insurance, life insurance and pensions and is recognised for its leadership in insurtech-driven innovation in the industry. The firm publishes the annual InsurTech Impact 25—an assessment of 25 emerging technology businesses the partners believe will have an impact on insurers and brokers in the year ahead. Sandilands started his career as a D&O underwriter at Munich Re before moving into management consulting, initially with Oliver Wyman.