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How the Lloyd’s Lab turns ideas into real market impact with Rosie Denée

Georgie Simister
Georgie Simister13 Jan 2026

In this episode, Rosie Denée, Head of Innovation and Commercial Education at Lloyd’s, explores why the Lloyd’s Lab has become one of the most effective innovation programmes in insurance.

How the Lloyd’s Lab turns ideas into real market impact with Rosie Denée

She explains how embedding innovators directly into the market, rather than keeping them at arm’s length, has driven an extraordinary company survival rate and long term commercial relationships across the Lloyd’s ecosystem. Rosie and host Georgie Simister also explore how collaboration, regulatory alignment and dedicated innovation capacity have helped Lloyd’s keep pace with change without compromising market oversight.

Rosie also shares clear views on what separates viable innovation from interesting but impractical ideas, why deep insurance knowledge still matters, and how relationship building underpins successful technology adoption. Looking ahead, she discusses the growing role of AI in underwriting, the importance of de-risking innovation for incumbents, and how Lloyd’s is positioning itself to remain relevant, attractive to capital, and future-focused over the next decade.

Listen to the episode now:

Spotify

Apple

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