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This episode is sponsored by  IA Path - Unlocking Your Adjusting Superpowers. Go to https://iapath.com  In this episode of Profiles in Risk, I spoke with Chris Downer of XL Innovate. Chris is the author of the single best insurtech newsletter in the industry. We discussed the newsletter, the insurtech investment space and how XL Innovate discerns and decides upon investment opportunities. CONNECT WITH CHRIS DOWNER:  LinkedIn: https://www.linkedin.com/in/chris-downer-2275bb62/ Twitter: https://twitter.com/chriscdowner Email: Chris.Downer@xlcatlin.com HomePage: http://xlinnovate.com/  MENTIONED IN THIS EPISODE:Tom Hutton: https://www.linkedin.com/in/tom-hutton-9b21244/ Martha Notaras: https://www.linkedin.com/in/marthanotaras/ Risk Management Solutions (RMS): http://www.rms.com/ Lemoande: https://www.lemonade.com/ Phillips Exeter Academy: https://en.wikipedia.org/wiki/Phillips_Exeter_Academy  BOOKS RECOMMENDED BY CHRIS: Books on Edward Linsdale:      https://amzn.to/2yZ1NAd      https://amzn.to/2lQL7Bw Books by Dan Brown: https://amzn.to/2tNhlC8  SUBSCRIBE AT:Buzzsprout RSS: https://goo.gl/5K4X3QGoogle Play: https://goo.gl/WMAvW4 iTunes: https://goo.gl/7SqwvP Overcast: https://goo.gl/8b4cbD  Spotify: https://goo.gl/niAbGN  Stitcher: https://goo.gl/DmE7Mi YouTube: https://goo.gl/1Turar