At Cookhouse Labs, we’ve worked closely with many members to successfully innovate within their organizations. In the first part of our Member Stories series, meet Tommy Kim, Senior Actuarial Analyst at Munich Re Company of Canada. Tommy is an active member of our global community and is a two-time winner of our Design Thinking ideathons in 2020!
Read about Tommy’s unique experience below!
Tommy, thank you for joining us today! We’d love to know how your journey began; what was the first Cookhouse Labs event that you attended?
That’s a great question! In early 2019, our Senior Executive members asked for volunteers to participate in a Design Thinking training. Even though I saw myself as a non-ordinary individual (I personally enjoy my thinking time, too), I wanted to be more structured. I thought, “How can I improve my thinking process?” Everyone has ideas, but there has to be a way for us to narrow down these ideas so that we can get close to executing them. That was my first session at Cookhouse Labs and I really enjoyed it. Not only did I enjoy working with the experts at Cookhouse Labs, but I also enjoyed working with representatives from other insurance organizations, who were awesome too. We were all there for one single reason — to make insurance better — and we just wanted to tailor it better by leveraging the Design Thinking process.
Thank you for sharing that! On the topic of collaboration, I imagine you’ve worked with many teams at the Lab since 2019. What was your best team experience?
I’m going to answer your question by saying that working with Ibeth (the Lead Innovation Coach) was the best team ever, and I guess that would be every session I’ve ever attended. The reason is that I am an introverted person, which means there are a lot of thoughts going around in my head. Introverts need a comfort zone to be more open to collaboration and for their ideas to be rolled out. I think building that trust is the most difficult part. Ibeth encouraged everyone to open up by making everyone laugh and sharing her life story. It helped everyone engage, and that was the most important component of my experience with Cookhouse Labs.
What is your favorite memory from this past year of collaborating with us?
All the components were great, but it is really tough to pick just one. In my first hackathon (SummerHack 2020), I participated as a mentor and the 24-hour journey was awesome. But working with the folks at HSB Canada as a collaborative WinterHack 2020 team was awesome and one of my favorite memories, too. Of course, any help from you, Ibeth, and Sven is great. Not just the idea aspect of it, but also the content and patience. I can tell, from one human to another, that the team really does want to make insurance better and doesn’t treat it as “work”. All of these are my favorite memories from Cookhouse Labs.
That’s wonderful to hear, Tommy! Speaking of winning the ideathons, what have you been able to achieve since you started attending Cookhouse Labs innovation events? In other words, how has it helped you?
It might sound weird to say that, even though I have participated in the ideathons, I think the word “achievement” does not fit me. This is just me learning and going to different sessions. Maybe it’s just not the best timing for me to answer this question, because I think there is more to learn from Cookhouse Labs’ sessions and events. One day, if I actually contribute to making insurance better, only then will I be able to say that I achieved this. Right now, it’s too early for me to say anything!
Final question: Would you recommend Cookhouse Labs’ events to others, and if yes, which events would you recommend?
I would definitely recommend Cookhouse Labs training sessions, but if I had to pick one out of the many great trainings, I would pick Design Thinking. This is not only a matter of innovation itself; it can be applied to any sort of work and even your thinking process in your daily life, too. I thought about how you could make the best out of it. No one wants to make a mistake, right? Even when we get groceries, we do a price check and see where it’s from. There is caution with that thinking process, but there is no harm in learning an even better approach to apply to real life. So, I would definitely recommend the Design Thinking trainings.
Tommy, thank you so much for sharing your thoughts and experiences with us. We enjoyed collaborating with you and Munich Re Company of Canada in 2020 and we wish you all the best in 2021. We can’t wait to continue this collaboration with you in the New Year!
Last week, I had the pleasure of chatting with WinterHack 2020 Winner, Team EMIL-Hannover Re. I asked Dr. Lorenz Kemper (Hannover Re) and Henrik Dittmar (EMIL Group Gmbh) to share behind-the-scenes stories and advice from their WinterHack 2020 experience — check out the full interview below!
Team EMIL-Hannover Re, congratulations on your huge success at WinterHack 2020! Before we dive into the event, let’s do a quick round of introductions first.
Lorenz: I have been working as a Data Scientist at Hannover Re for 2 years now. Just recently, I became the first member of the Hannover Re Digital Accelerator, where I am responsible for the technical aspects in a team that works with insurers, digital insurers, and InsurTechs to get them going globally.
Henrik: I am the Head of Product at EMIL Group. We’re a technology company that helps insurance companies quickly launch innovative products.
Thank you for the introductions! We’d love to know, what inspired you to join WinterHack 2020?
Lorenz: When I heard about WinterHack, I thought it was a great place to meet like-minded people and network to meet possible corporate partners from other parts of the InsurTech industry, such as a primary insurer or technology provider.
Henrik: Since we provide software for insurers and reinsurers, it’s essential for us to collaborate with them and see how they are thinking, especially when it comes to innovation. Networking, of course, is a motivator, but we really want to know how insurers and reinsurers approach innovation.
Speaking of collaboration, this was your first time meeting one another. How did you connect and how was the experience of working together?
Lorenz: We hit it off on a personal note very quickly. We actually met before the event for a quick call to get to know one another and to get on the same page. We talked about our backgrounds and our goals for the event, and in that initial call, we decided we wanted to have fun but also win the competition!
Henrik: It was a fun 2 days, which has a lot to do with the team. In our case, that meant Lorenz as our teammate! We started out on the same page and worked well from the beginning, which was really nice.
It’s always great hearing about successful collaborations! Diving into your solution now, which of the 4 challenges did you choose to tackle and what was your idea?
Lorenz: This is a funny story — the jury panel thought we were tackling the challenge of loneliness for the elderly, but what we were really focusing on was digital subscription models!
Henrik: Our solution was an app that integrates many tools and services from around the digital world and makes them accessible to senior citizens, so I understand how the confusion happened! It was all about combining these easy-to-use services in an app as an entryway into the digital world for senior citizens.
How was your experience using Design Thinking to develop this solution?
Lorenz: Design Thinking was a good way to encourage customer-centric thinking, especially because none of us are a customer group. We used Design Thinking to empathize with the customer, but we actually didn’t use all of the tools. We cherry-picked within the toolbox of Design Thinking to select the best tools that would help us reach our goal, such as the Persona, Empathy Map, and Journey Map, and decided very quickly what product we wanted to pitch.
Henrik: The target group focus in the Design Thinking approach is very essential in today’s world, especially when it comes to innovation and developing something the target group actually wants. It was very helpful for us to get into the mindset of the user group and start from there. Our general approach was to get to the prototyping stage very early, and so we chose the tools that went along with that. We wanted to create the solution quickly and test it by having the prototype ready, creating a landing page, and seeing how people would react when they saw the page, which is how we chose to validate it.
On that note, what else do you believe contributed to your overall success at WinterHack 2020?
Lorenz: Because we were a small team, we were really quick and well-coordinated. Everyone took charge of certain tasks quickly and owned them. We were very clear on who was responsible for each task and relied on them to do a great job.
Henrik: Our focus on prototyping the solution early helped us create something that in the end, when the judges saw it, conveyed the usefulness of the idea in real-life. As much of a bubble as these 2 days were, that’s what they were trying to evaluate — how much would this idea make sense outside of this context?
Looking back at the event, how would you describe your overall experience?
Lorenz: For me, it was fun and broadened my perspective in many ways. I was surprised at how much we were able to get done in 2 days. I was also quite surprised that we were able to hit a personal note even though we had never met before! This was new to me, because I felt this year that it would be difficult to really connect with other people via Zoom, but I think we were able to do that quite effectively. It was a big learning for me!
Henrik: There was a lot to do in 2 days and we worked through it quite well as a team, which made it really enjoyable. Our skillsets matched up very well with all of the tasks we had to do!
As you know, at Cookhouse Labs our mission is to #MakeInsuranceBetter for everyone! How do you think your solution and events like WinterHack 2020 help achieve this?
Lorenz: In a way, our product has the same characteristics as what makes insurance better. Our product aims to bring technology to the elderly, who typically are not the primary users of technology but could benefit from it. Technology can improve their lives and make things much easier for them. In the same way, the industry is not typically the first to take up digital ideas and technology. However, it is an industry that is predestined to make use of technology, and in this way, we can make insurance better.
Henrik: Historically, insurance has been a slow industry, especially when it comes to product innovation. It takes a very long time to launch an insurance product. Changing this mindset is one thing that events like WinterHack encourage, and this is our goal at EMIL, too. We want to make it technologically possible to launch new products, but this only works if we can bring the insurers we work with into the mindset to launch new products quickly. These types of industry events create the sensibility for innovation in a short time and make the process of quickly launching new products possible.
Team EMIL-Hannover Re, thank you for an insightful interview and congratulations once again on your big win at WinterHack 2020. We wish you the best and hope to see this collaboration continue in the future!
Curious about our next big global Ideathon in 2021? Stay updated on the details by signing up for our newsletter and following us on LinkedIn!
Last week, I had the pleasure of sitting down with WinterHack 2020 Runner-Up, Team Munich Re. I chatted with Abhishek Gupta, Calvin Choi, Joanna A., Salman Ghaffar, and Tommy Kim about the process of developing their innovative solution and invited them to reflect on their experience and success at the global ideathon.
Team Munich Re, congratulations on your big win! Before we begin, let’s start with a quick intro. What can you tell us about yourselves in 30 seconds?
Abhishek: I’m a Business Development Manager for IoT in the Applied Technology Division at HSB Canada. I focus on commercializing sensor and IoT technology here in Canada, which includes water, temp, and pipe sensors.
Calvin: I’m a Data Analyst within the Client Company Management Team at HSB Canada. My role involves assisting Client Company Managers with data to build compelling stories about why clients should work with us.
Joanna: I’m a Marketing Communications Specialist at HSB Canada with a focus on branding and digital marketing. It’s been a rewarding journey for me as a marketer, being part of a team that encourages intrapreneurship, and a company that’s innovative, technologically driven, forward thinking, and people focused.
Salman: I also work in the Applied Technology Division at HSB Canada as an IoT Operations Specialist. We bring solutions from the U.S. to implement in the Canadian market, and my responsibility is to ensure everything goes smoothly, from bringing in the solution hardware to installing it at client locations.
Tommy: I’m from Munich Re Company of Canada, which is a life, property, and casualty business. My current role is a Senior Actuarial Analyst from the Pricing team, and my day-to-day responsibilities include supporting the Reinsurance business with actuarial services.
Great, thank you for the introductions! We’d love to know, how did you come together and what inspired you to join WinterHack 2020?
Abhishek: I was looking for an amazing and super talented team with lots of brainpower! I came across one of our champions from MRoC, Tommy Kim, who is great to work with. I found more talented people from our organization: Calvin, who is a new member of HSB Canada and was very excited about the ideathon; Salman, who is our IoT Specialist and is incredibly talented; and Joanna, who brought everything together from a marketing perspective.
Calvin: What motivated me was the space for people to come together to innovate in the insurance industry. If you think about it, the industry has always been resistant to innovation and change, so if there’s an opportunity to work with like-minded people on innovative ideas and solutions that can help develop the industry, I’m all for it.
Joanna: Abhishek was putting together a team to represent Munich Re at WinterHack 2020 and he reached out. The theme “Digital Ecosystems” was a huge driver for me to join the team. As a marketer, I’m always thinking of innovative and better ways to do business, so it was a good fit.
Salman: I’ve been a part of QHacks, which is hosted by Queens University, so I understood how hackathons work. Considering WinterHack 2020 was going to be held remotely, I was a little inquisitive as well about how it would go, and that motivated me to participate.
Tommy: What inspired me to join was the passion from my colleagues. It’s always difficult for an individual to get something done, but the synergy that Abhi brought into one team was definitely a great inspiration.
That’s awesome! Let’s dive further into the event: Which of the 4 challenges did you choose to tackle and how did you decide?
Abhishek: We chose the first challenge, which was to reduce isolation and loneliness for elderly people. It was quite a deliberation process — we spent about 60% of our workday just on choosing the challenge! We created a matrix with parameters and every single team member scored the challenges from 1 to 5 based on these parameters. We used a weighted average to select the challenge we were going to work on. We realized later on that everyone on our team is very empathetic, when we all understood pain points for the elderly and how our solution can really help them.
Tommy: I really love the fact that we were able to share our thoughts and visions for each challenge. It’s fantastic that Abhi proposed the matrix we used, because at the end, we were very objective in how we selected a challenge.
Could you describe your experience using Design Thinking to develop your solution?
Abhishek: Design Thinking is a different way of thinking when creating a product, and as a team, we understood how important it was. I’d say Calvin and Salman did an incredible job creating a customer journey map that detailed each point in the journey. Salman shared with us that his mother’s age is similar to our Persona, and his understanding of her experience really helped us.
Calvin: We really focused on being empathetic to what the customer journey would look like. On the other hand, we also focused on practicality and how the company could benefit from a product like ours. We made sure to empathize with both sides when designing this product.
Joanna: Design Thinking is the way to go. You simply can’t develop a solution without empathizing with your customer, and building on that is key. Design Thinking flows in that direction. It’s logical and efficient.
Salman: My mother is a single parent who is a similar age and I’ve seen her struggles and how she feels about technology at this age, and it was really helpful in drafting our journey map. We wanted to address those needs and bring the human touch to our solution, because at the end of the day, technology cannot replace the human touch.
What do you believe contributed to your success at WinterHack 2020?
Abhishek: The biggest factor behind our success was bringing together amazing people. Joanna brought her marketing perspective to create a credible product offering. Calvin and Salman had a streamlined approach to empathizing with the customer and creating the journey map. Tommy brought his actuarial skills, and he was very focused on the commercialization aspect and feasibility of our idea. It was all about bringing together the synergies of different talented people.
Calvin: We all tried to see things from each other’s point of view. We took the time to listen to and understand everyone’s ideas. I think that also contributed hugely to our success.
Salman: I agree completely — all the credit goes to the team. This is one of the best team experiences I’ve ever had. Everyone brought in their skillsets while remaining open-minded and respectful towards others’ ideas. If there was a difference in opinion, we used thoughtful discussions to sort through the pros and cons of each idea and to decide on the best way forward.
Tommy: What worked well was the synergy based on trust and open-mindedness. I also have to upsell the support we got from Cookhouse Labs: the templates guided us in the right direction on how to develop and present our solution in the end, so thank you!
How would you describe your overall WinterHack 2020 experience?
Abhishek: It’s been fabulous! Previously, we had an opportunity to participate in the SummerHack, which was again a wonderful experience. WinterHack, I would say, was a notch higher for us because when everyone came together, we fit like a glove. Even though we all came from different experiences and backgrounds, everyone was respectful and open-minded. I also have to say that the event was amazingly organized by Cookhouse Labs. You gave us all the design templates and guidance we needed, and I really want to thank the whole team for helping us along the way.
Calvin: It was a lot of fun for me, because we were on the same page and everyone was very encouraging. I would say, though, that at the end it got a little stressful, because we raced to get everything done on time. Cookhouse Labs did a great job making this a very seamless and smooth process, and even when we got to the Final Pitch Event, I had a great time listening to everyone’s pitches. I noticed some pitches applied cultural aspects from the region the team was in, and this international aspect was cool to see.
Salman: Spending two days together almost felt like a family! It was a wonderful experience, and we had a lot of fun. When signing up for WinterHack, I was curious about the entirely virtual experience and how it would be managed. Cookhouse Labs did an amazing job with sharing resources and guiding teams through all the steps, so thank you!
Tommy: Having judges with a lot of professional expertise and knowledge was great. Also, the event format was virtual, which was a nice experience to be part of. Before COVID-19, I would have never thought of being part of a virtual competition because I would have wanted to feel the synergy and energy within the same room and in-person. However, virtual collaboration was not a barrier for our team, which was a wonderful experience.
How do you think your solution and events like this help #MakeInsuranceBetter?
Abhishek: Using methodologies like Design Thinking promotes lateral thinking, and the time crunch fosters and accelerates the kind of thinking needed to create a viable product. At the end of the day, something we create here has the potential to become a real insurance product. We observed the judges’ interest and our organization’s enthusiasm for this idea, which means this idea could very soon become a real product offering.
Calvin: Insurance products, with respect to P&C or personal lines, are generally similar across the industry. How can companies set themselves apart from the rest? Usually, this is through value-adds that they can provide to policyholders. When companies want to compete for customers, they need to think of these creative value-adds to provide to policyholders. The product we came up with is a nice example of a value-add that a home or life insurer can provide, and this can set them apart from other insurers. This is what makes the difference between one company and another.
Joanna: Events like this open the floor for thinking outside the box and innovating, and when you combine innovation with Design Thinking and its focus on empathy, you make insurance better.
Salman: I’m a strong advocate for using technology to push the envelope further. What we see is that the insurance industry is late to adopt technological trends. An event like this helps to change this perception and helps companies in the ecosystem realize the importance of technology in improving their products for the end-user. Even further, it helps adopt these technological solutions and advance the industry as a whole.
Tommy: The perspective towards the insurance industry is that it is very reactive, not proactive. These events encourage the industry to become proactive and offering meaningful services to customers, which is progress.
Team Munich Re, thank you so much for sharing your insights with our readers and congratulations once again on your big win at WinterHack 2020. We wish you the best going forward and hope to see your solution come to life as a real product offering in the near future!
Curious about our next big global Ideathon in 2021? Stay updated on the details by signing up for our newsletter and following us on LinkedIn!
Last week, we wrapped up our first ever virtual WinterHack 2020: Global Design Thinking Ideathon. We were delighted to partner with InsurLab Germany and msg to bring this exciting event to life! After months of planning and preparation, we kicked the event off on November 3rd in 3 different continents with 12 different re/insurance organizations. At the end of the 2-day ideathon, our teams competed in an exciting Final Pitch Event to blow our global panel of judges away with their disruptive solutions, and boy, did they succeed!
In case you missed it, here’s a recap of the global ideathon and highlights from the 3-day event:
A truly diverse and global event
We ran the ideathon in 3 different regions (APAC, EMEA, and the Americas) with 85+ participants from all over the world who spoke 12 different languages. Our insurers partnered to form 11 insurance teams that consisted of a diverse mix of re/insurers, brokers, startups, vendors, and student innovators. Some of our teams even comprised of members who were continents apart — now, that’s true global collaboration!
Announcing our “Digital Ecosystems” challenges
Our kickoff events were full of energy and excitement, hosted by Lead Facilitator Ibeth Ramos and Co-Founder Sven Roehl. At the kickoff events, we announced our 4 “Digital Ecosystems” challenges:
Reduce Loneliness How might we develop a solution/service offering to reduce social isolation or loneliness of elderly people?
Building Inspection How might we develop a highly automated service/solution for building inspection of commercial properties?
Subscription Model How might we develop a new subscription-based business model of insurance built on Digital Ecosystems?
Understanding Insurance How might we develop a solution/service allowing customers to fully understand the personal risk and coverage situation?
Together, the teams counted down the final seconds and off they went to tackle their chosen challenge!
Design Thinking — our innovation compass
We challenged our teams to use Design Thinking as a compass to guide their innovation journeys. To help our teams prepare, our Innovation Experts created an Introduction to Design Thinking Masterclass and a prep guide titled “WinterHack 2020: A Guide to Disrupting Insurance in Just 2 Days”. We wanted to provide our teams with support during the event, and to achieve this, we scheduled regular breakout sessions with our Innovation Team to walk our participants through the Design Thinking stages in more detail and to answer questions from our teams. Since these breakout sessions were run in 3 different time zones, our facilitation team delivered trainings at all hours of the day (and night)! From 8pm EST on Monday, November 2nd until 6pm EST on Wednesday, November 4th, our Zoom lines were shut down for 2 only hours — the rest of the time, the Cookhouse Labs team was online and continuously available!
The big reveal
On November 5th, we brought our global innovators together for a combined Final Pitch Event, attended by members of our innovation community. We were delighted to welcome leaders from across the world as members of our jury panel! On our panel, we had:
Torsten Oletzky, Professor of Strategy and Process Management at Cologne University of Applied Sciences
Our judges were amazed at the creative and well-designed solutions our teams revealed! All of our teams focused on helping customers understand their insurance policies better or on supporting senior citizens as they combat loneliness. Each team shared a unique approach to tackle these challenges through AI, mobile apps, tablets, and sensory devices. At the end of the event, the judges deliberated on the winners and returned with the big announcement:
Winning Team: Hannover Re and EMIL Group Gmbh
Runner-Up: Munich Re Canada
Our winning team took home a 6 months Cookhouse Labs membership, and will enjoy free access to a variety of open co-creation projects, Masterclasses, global pop-up Labs, and support from our Certified Innovation Experts! Our runner-up won tickets to insureNXT|CGN courtesy of InsurLab Germany, a new congress fair with the goal to develop new business models by connecting traditional insurers, start-ups and cross industry partners.
We want to congratulate all of our teams for conquering WinterHack 2020! We were blown away by the creative ideas, dedication, and hard work from all of you. Every idea pitched at the Final Pitch Event has the potential to disrupt the insurance industry and we can’t wait to see what you achieve next!
A big thank you to our partners, teams, judges, and community members for your continued support and enthusiasm for our global innovation event. Your excitement encourages us to dream bigger on our journey to #MakeInsuranceBetter and we look forward to seeing you at SummerHack 2021!
Wondering when the next innovation opportunity will be? Stay informed by joining our innovation community — sign up for our newsletter and follow us on LinkedIn!
We’re excited to partner with InsurLab Germany and msg to bring innovators across the world this exciting insurance innovation event. Over the course of 2 days, our teams of insurers, startups, and students will race against the clock to develop impactful solutions to the challenges of “Digital Ecosystems in Insurance”!
With less than a month to go, we’ve put together this blog to give you an overview of the event and answer a few frequently asked questions — so let’s get started!
What is the event about?
The insurance industry has already begun to experience the beginnings of digital disruption — but how can insurance organizations adopt digital ecosystems to accelerate this disruption and capture the most value quickly?
At WinterHack 2020, we’re challenging teams to develop solutions around this theme, covering commercial and personal lines, health/life, and P&C insurance. Over the course of 2 days, our facilitators will guide you through the Ideathon process and will provide valuable information, templates, and support on how to apply the Design Thinking methodology to drive the best results for your solution.
Who can get involved?
Employees from re/insurance organizations, brokers, startups, vendors and students from all over the world!
WinterHack 2020 teams will be formed by re/insurance organizations, brokers, and MGAs. During the matching process, corporate teams will invite startups, vendors, and student innovators to join their teams to provide ideas, expertise, and skills, such as UX/UI Design. Our Innovation Team is here to help facilitate this matching process!
What’s in it for me?
Regardless of your role, WinterHack 2020 is the perfect opportunity to:
Connect with global talent to exchange ideas and perspectives
Network with insurers, startups, and vendors to form new business connections
Learn about Design Thinking and experience how it can create real business value for you
Gain access to the knowledge and expertise of our Certified Innovation Experts
Engage in friendly competition as you conquer our 2-day Ideathon
Blow our global panel of judges away as you pitch your idea to win the big prize!
When is the event?
The event kicks off at 9 AM on November 3rd, 2020 in 3 different time zones — Eastern Standard Time (EST), Central European Time (CET), and Singapore Time (SGT). Here’s the official schedule:
Kickoff: Tuesday, November 3rd, 2020 at 9 AM
Ideathon Start: Tuesday, November 3rd, 2020 at 10 AM
End: Wednesday, November 4th, 2020 at 6 PM
Final Pitch Event: Thursday, November 5th, 2020 at 9 AM EST (Sign up to attend here!)
That means on November 3rd and 4th, our Innovation Team will be running the Ideathon from 9 AM – 6 PM and providing guidance during these hours. On November 5th, we will host a combined Final Pitch Event from 9 AM to 12 PM EST, where all our teams will pitch their solutions to our esteemed panel of judges and global audience.
What do I have to create?
Our Innovation Team will announce the challenges during the kickoff event, after which teams will have 2 days to develop their solutions using the Design Thinking methodology. By the end of the event, teams must present an innovative Minimum Viable Product (MVP) based on their chosen challenge. A team can choose their preferred presentation method including, but not limited to a concept, design, blueprint, prototype, product, application, software, hardware, etc.
At the end of the Ideathon, each team will submit a pre-recorded video of their final presentation along with their submission portfolio. Teams will be present for live Q&A event, where judges have a chance to ask final questions about each solution before announcing the winners.
How can I prepare for the ideathon?
You will receive prep material around the Design Thinking methodology. This will include a guide on how to structure your time based on the 5 stages in the methodology. We will also share Design Thinking Masterclasses, hosted by our Innovation Experts, to walk you through the methodology beforehand. When you join our Slack community, our team will share helpful resources daily about the methodology as well as the theme to help you prepare for WinterHack 2020.
Don’t worry — we’re here for you during the event, too! Our Innovation Team will host live workshops on each stage, followed by a Q&A session to answer any specific questions you may have.
“I enjoyed the multitude of ideas and the level of engagement. At these events, I get a huge input of ideas in a short period of time, which is what I look for. I also enjoyed seeing how the virtual setup worked and how everyone was able to collaborate, even though they were in different rooms!"
Bernd ScharrerCOO Operations/IT at VHV Holding AG
“I always come away from Cookhouse Labs events with lots of new contacts and lots of new ideas. The types of people I meet at these events are great! Everybody’s willing to help each other out and everybody’s interested in each other’s ideas. The connections you make at these events are brilliant, and I think just having that comradery in the insurance community can only make the industry better.”
Emily Hill Manager, Strategy & Planning, TD Insurance
“WinterHack 2020 was an incredible global event — chapeau to all the amazing participants for an amazing design process and a great job!! Thank you for hosting this ideathon, and hope to see some of these ideas on our portfolio next year!”
Gil AraziFounder and Managing Partner, FinTLV
"First and foremost, Cookhouse Labs was an entryway into meeting a lot of parties within the Canadian insurance industry. We were introduced to senior leaders at MGAs and other insurance companies. We also got to participate in some interesting workshops with people that we deal with every day, like a workshop with underwriters to talk about the future of underwriting. It was interesting to get their point of view on how far we could push the envelope, where some of the constraints are, and why those constraints exist. It was very beneficial for us early on to have those sounding boards for some of our ideas to tell us how feasible they would be! "
Laura McKayCo-Founder of PolicyMe
"When signing up for WinterHack 2020, I was curious about the entirely virtual experience and how it would be managed. It was a wonderful experience, and we had a lot of fun. Cookhouse Labs did an amazing job with sharing resources and guiding teams through all the steps, so thank you!"
“Looking at this collaboration from a corporate viewpoint, I’d want to have the Cookhouse Labs spark of energy for disruption permeate all areas of my organization… It’s always about the people, collaboration & change.”
“This year I had the chance to work with the team at Cookhouse Labs. In a time where we are all grasping on how to enhance collaboration and innovation remotely, it was impressive to see how the team was able to deliver innovation programs and train the trainer teachings online. Not only did we get to be involved in innovation practices, but Cookhouse Labs also modelled how to deliver using collaboration tools that can be applied to working with any group of people. And the bonus? A chance to expand my community of innovation leaders!”
Susan GilbertDirector, Digital Operations at MIG Insurance and Co-Founder, Haekka
"You don't have to be Steve Jobs to be an innovative individual. I have to upsell the support we got from Cookhouse Labs: the templates guided us in the right direction on how to develop and present our solution in the end, so thank you!"
Tommy KimSenior Actuarial Analyst, Munich Re Company of Canada
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This Anti-Spam Commitment generally applies to any electronic communications sent by msg global solutions to outside parties and is protected by a range of business procedures, processes and policies to ensure that such communications are done in compliance with CASL. msg global solutions, in its electronic communications with outside parties, has to comply with the rules established by CASL and enforced by the Canadian Radio-television and Telecommunications Commission, the Competition Bureau and the Privacy Commissioner of Canada. CASL regulates all commercial electronic messages (“CEM”), which are messages that include among their purposes, the encouragement of participation in a commercial activity.
2. WHAT IS msg global solutions DOING TO COMPLY WITH CASL?
msg global solutions has undertaken various initiatives in order to make sure that it is compliant with CASL. It has adopted this Anti-Spam Commitment to provide transparency to outside parties with respect to the compliance of the organization’s electronic communication practices with CASL, as well as undertaken the following initiatives:
msg global solutions has implemented CASL compliant consent forms
The consent of outside parties is necessary in order for msg global solutions to send a CEM. This consent typically must be “express”, but in certain circumstances consent can be “implied” and in others, messages are specifically exempt from consent requirements. msg global solutions has modified certain consent forms in order to ensure that the express consent obtained from recipients is in compliance with CASL.
Your communication preferences can be updated at any time by visiting the Preference Centre, which can be accessed at any time via our website, and you will be notified via email when changes have been made. You can have your email address removed from our mailing lists at any time, although even if you unsubscribe to receiving CEM from Msg global solutions, you may still receive electronic messages from msg global solutions which relate to an ongoing business relationship or which are exempt under CASL.
msg global solutions has modified its email footers
msg global solutions has modified its email footers to manage CASL’s consent requirements. Under CASL, all CEM sent must include certain prescribed content. For example, msg global solutions must clearly identify itself as the party sending the CEM, provide a method whereby the recipient can readily contact msg global solutions, such as a mailing address and one of (i) a telephone number with active response voicemail; (ii) an email address; or (iii) a web address; and provide a working unsubscribe mechanism. CASL compliant email footers have been updated on all CEM sent from msg global solutions, in order to ensure compliance with CASL.
msg global solutions has incorporated Unsubscribe Mechanisms
msg global solutions has incorporated unsubscribe mechanisms into all CEM, in order to manage CASL’s consent requirements. Under CASL, each CEM must provide a working unsubscribe mechanism (functional for 60 days), which must be processed without delay, within a maximum of 10 business days. msg global solutions has set up a uniform process in order to ensure that all unsubscribe requests will be complied with. You may at any time unsubscribe from receiving CEM from Msg global solutions by following the process laid out in the electronic message you receive, or contact: email@example.com. However, even if you unsubscribe to receiving CEM from msg global solutions, you may still receive electronic messages from msg global solutions which relate to an ongoing business relationship or which are exempt under CASL.
3. WHY ARE YOU RECEIVING AN ELECTRONIC MESSAGE FROM msg global solutions?
The types of CEM msg global solutions may send from time to time could include the following:
CEM sent to msg global solutions’s current or potential clients (whether individuals or businesses), by msg global solutions’s marketing department or msg global solutions’s sales and business development team. For example, this may be for prospecting purposes or in order to answer a request for information or an inquiry;
CEM sent to msg global solutions’s current or potential service providers by various msg global solutions business units. For example, msg global solutions may outsource part of its activities to a third party (such as a maintenance company, a translation service provider, etc.) or, msg global solutions HR department may contact potential employees electronically for recruitment purposes.
CEM sent to msg global solutions’s current or potential business partners. For example, this may be for building or finding new ventures and partnerships with industry companies, groups and associations.
If you have received a CEM from msg global solutions and you believe that you should not have, please assess as to whether you have provided implied or express consent to receive CEMs from msg global solutions, or if an exemption applies.
Express Consent: You can verify that you have provided express consent to msg global solutions (or verify the status of your consent) by reviewing your preferences in the Preference Centre.
Implied Consent: msg global solutions may infer your implied consent if:
msg global solutions has an existing business relationship with you or has a former business relationship with you which terminated less than two years ago (for instance, you are a former client);
msg global solutions received an inquiry from you within the last 6 months;
You disclosed your electronic address to a msg global solutions employee (for example you provided your business card to a msg global solutions employee) or you conspicuously published your electronic address (for example, via a corporate website or in a brochure) and the CEM sent is in connection with your business role and function.
When is an electronic message exempt under CASL?
If you are receiving an electronic communications from msg global solutions, it may be a message that is exempt under CASL. This would be the case if the message is one the following:
you have a personal relationship with the msg global solutions employee who contacted you, meaning that you have previously had a direct, voluntary, two-way communication;
you have a family relationship with the msg global solutions employee who contacted you;
the CEM is sent within msg global solutions (between employees of msg global solutions);
the CEM is sent between msg global solutions and another business, where there is an ongoing relationship between msg global solutions and this other business;
the CEM was sent by msg global solutions to you, in order to respond to your request or inquiry; or
the CEM was sent by msg global solutions to you, in order to enforce a legal right or obligation (for instance, if you have an outstanding debt, or breached a contract that you have with msg global solutions, etc.).
In certain situations, your consent is not required for certain types of messages sent by msg global solutions, although you may still unsubscribe from future transmission of similar messages. The type of messages where msg global solutions does not need your consent is an electronic message that:
is sent once, following a referral by a current msg global solutions client, service provider, business partner or employee who also has a personal or business relationship with you;
only provides you with a request for a quote or an estimate;
only facilitates or confirms a transaction;
only provides msg global solutions warranty, product recall, safety or security information; or
only provides information about your ongoing use of msg global solutions services or products or ongoing purchases (including updates and upgrades).
If you have received a CEM, and you believe that you should not have, please contact us immediately at firstname.lastname@example.org and we will promptly remove your address from our list (within maximum 10 business days).
4. SOCIAL MEDIA.
You may be contacted by a msg global solutions employee via social media, such as LinkedIn, if you are connected on the social network with the msg global solutions employee, or if you have indicated through your preference settings the fact that you are open to receiving messages about new business opportunities or ventures. You may also be contacted if you have conspicuously published your electronic address (for instance, on a social media website), have not indicated that you did not wish to receive CEM, and the CEM sent is in connection with your business role and function.
5. WHAT TO DO IF YOU NO LONGER WISH TO RECEIVE CEM FROM msg global solutions.
At msg global solutions, we take the law very seriously. You may unsubscribe at any time from receiving CEM, by visiting the Preference Centre or clicking on the link in any CEM that you may receive from Msg global solutions, and we will remove you from our list within ten (10) business days.
6. AMENDMENT OF THIS ANTI-SPAM POLICY AND GUIDELINES.
From time to time, Msg global solutions will review and update this Anti-Spam Commitment as required to keep current with rules and regulations, new technologies, standards, our business practices and outside parties’ concerns. We will post any Anti-Spam Commitment changes on this page and, if the changes are significant, we will provide a more prominent notice (including, as the case may be, email notification of Anti-Spam Commitment changes).
7. QUESTIONS OR CONCERNS ABOUT THIS ANTI-SPAM COMMITMENT?
If you need further assistance, please contact us at: email@example.com
Revised November 11, 2019.
Accessibility for Ontarians with Disabilities
Documents Available Notification (AODA)
Dear Valued Clients and Visitors,
msg global solutions Canada Inc. has created policies and procedures to meet their obligations regarding customer service outlined in the Integrated Accessibility Standards under the Accessibility for Ontarians with Disabilities Act. 2005.
Our accessibility policies are available for your review in a number of formats. Should you wish access to these documents in another way, please notify: firstname.lastname@example.org
Statement of Organizational Commitment
msg global solutions is committed to ensuring equal access and participation for people with disabilities. We are committed to treating people with disabilities in a way that allows them to maintain their dignity and independence. We believe in integration and we are committed to meeting the needs of people with disabilities in a timely manner. We will do so by removing and preventing barriers to accessibility and meeting our accessibility requirements under the Accessibility for Ontarians with Disabilities Act and Ontario’s accessibility laws.
Statement of Commitment to Accessibility
msg global solutions is committed to providing a barrier-free environment for all stakeholders including our clients/customers, employees, job applicants, suppliers, and any visitors who may enter our premises, access our information, or use our services. As an organization, we respect and uphold the requirements set forth under the Accessibility for Ontarians with Disabilities Act(2005), and its associated standards and regulations.
msg global solutions understands that we have a responsibility for ensuring a safe, dignified, and welcoming environment for everyone. We are committed to ensuring our organization’s compliance by incorporating accessibility legislation into our policies, procedures, equipment requirements, training, and best practices. We will review these policies and practices annually, as organizational changes occur, or in anticipation of compliance deadlines. In addition, we will strive to meet the needs of individuals with disabilities in a timely and effective manner.
Providing an accessible and barrier-free environment is a shared effort, and as an organization, msg global solutions is committed to working with the necessary parties to make accessibility for all a reality. For more detailed information on our accessibility policies, plans, and training programs, please contact email@example.com
Alternate Format Request Form
msg global solutions is committed to providing accessible, quality services. Communications in alternate formats will be made available upon request within a reasonable time period in a mutually agreed upon format. Please complete and submit the below form to firstname.lastname@example.org
Accessibility Standards for Customer Service Record of Customer
Thank you for visiting msg global solutions and Cookhouse Labs. We value all our clients and strive to meet everyone’s needs. We look forward to your feedback. Please send us an email at email@example.com
Ten Privacy Principles
Accountability: We are responsible for personal information under our control and we have designated individuals who are accountable for our compliance with these privacy principles.
Identifying Purposes: We shall disclose the purposes for which we collect your personal information either before or at the time the information is collected.
Consent: Your knowledge and consent is required for our collection, use or disclosure of your personal information, subject to certain exceptions set out in the law. Your consent may be expressed in writing, verbally, electronically, and in certain circumstances, may also be implied.
Limiting Collection: Your personal information shall only be collected by fair and lawful means, and will be limited to that which is necessary for the identified purposes.
Limiting Use, Disclosure and Retention: Your personal information may only be used or disclosed for the purposes for which it was collected, other purposes to which you have consented or if required by law. Your personal information shall be retained only as long as necessary for the fulfillment of identified purposes, or as required or permitted by law.
Accuracy: We shall use reasonable efforts to ensure that your personal information is accurate, complete and as up-to-date as is necessary for the purposes for which it is to be used.
Safeguards: We shall protect your personal information using security safeguards appropriate to the sensitivity of your information to prevent unwanted release, misuse or intrusion.
Openness: Information about our privacy policies and procedures for handling your personal information shall be made available to you.
Individual Access: Upon written request, you will be informed of the existence, use and disclosure of your personal information. In addition, you will be given access to your personal information, as permitted by law. You may also verify the accuracy and completeness of your personal information and, where appropriate, request that it be amended.
Inquiries and Concerns: You may contact us if you have any questions or concerns about our privacy policies and procedures.
1.2. Contact Us
Information We Collect
2.1. When You Visit our Websites
You are free to explore the Websites without providing any information about yourself. However, when you visit the Websites, we may request that you provide Personal Information about yourself and we will collect Navigational Information.
2.2. “Personal Information”
This refers to any information that you voluntarily submit to us through the use of our Websites, and that identifies you personally, including contact information, such as your name, e-mail address, company name, address, phone number, and other information about yourself or your business. Personal Information can also include information about any transactions, both free and paid, that you enter into on the Websites, and information about you that is available on the internet, such as from Facebook, LinkedIn, Twitter, Instagram and Google, or publicly available information that we acquire from service providers.
2.3. “Navigational Information”
This refers to information about your computer and your visits to this website such as your IP address, geographical location, browser type, referral source, length of visit and pages viewed. Please see section 4 the “Navigation Information” section, below.
2.4. Information About Individuals Under 18
The Websites are not intended for or targeted at individuals under 18, and we do not knowingly or intentionally collect information about individuals under 18. If you believe that we have collected information about an individual under 18, please contact us at: firstname.lastname@example.org, or by postal mail at: Cookhouse Labs, 30-34 Duncan Street , Toronto, Ontario, Canada M5H 1A1, Attention: Privacy, so that we may delete the information.
How We Use Information We Collect
3.1. We Never Sell Personal Information
We will never sell your Personal Information to any third party.
3.2. Use of Personal Information
3.3. Use of Navigational Information
We use Navigational Information to operate and improve the Websites and underlying marketing software. We may also use Navigational Information alone or in combination with Personal Information to provide you with personalized information about the Software Provider.
3.4. Customer Testimonials and Comments
We post customer testimonials and comments on our Websites, which may contain Personal Information. We obtain each customer’s consent via email prior to posting the customer’s name and testimonial.
3.4. Use of Credit Card Information
We do not directly collect credit card information from you. We use a third-party service provider to manage credit card processing. This service provider is not permitted to store, retain, or use information you provide except for the sole purpose of credit card processing on our behalf.
3.5. Service Providers
We employ other companies and people to provide services to visitors to our Websites, such as the use of underlying marketing software, and may need to share your information with them to provide information, products or services to you. Examples may include removing repetitive information from prospect lists, analyzing data, providing marketing assistance, processing credit card payments, supplementing the information you provide us in order to provide you with better service, and providing customer service. In all cases where we share your information with such agents, we explicitly require the agent to acknowledge and adhere to our privacy and customer data handling policies.
3.6. Security of your Personal Information
We use a variety of security technologies and procedures to help protect your Personal Information from unauthorized access, use or disclosure. We secure the Personal Information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When sensitive Personal Information (such as geo-location data) is collected on our Websites and/or transmitted to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.
If you have any questions about the security of your Personal Information, you can contact us at: email@example.com, or by postal mail at: Cookhouse Labs, 30-34 Duncan Street, Toronto, Ontario, Canada M5H 1A1, Attention: Privacy.
3.7. Social Media Features
3.8. External Websites
3.9. Retention of Personal Information
We retain Personal Information that you provide us as long as we consider it potentially useful in contacting you about our services and products, or as needed to comply with our legal obligations, resolve disputes and enforce our agreements, and then we securely delete the information. We will delete this information from the servers at an earlier date if you so request, as described in the “Opting Out and Unsubscribing” section below.
If you have elected to receive marketing communications from us, we retain information about your marketing preferences for a reasonable period of time from the date you last expressed interest in our content, products, or services, such as when you last opened an email. We retain information derived from cookies and other tracking technologies for a reasonable period of time from the date such information was created.
3.10. International Transfer of Information
3.11. Corporate Events
If we (or our assets) are acquired by another company, whether by merger, acquisition, bankruptcy or otherwise, that company would receive all information gathered on the Websites. In this event, you will be notified via email and/or a prominent notice on our Website, of any change in ownership, uses of your Personal Information, and choices you may have regarding your Personal Information.
3.12. Compelled Disclosure
We reserve the right to use or disclose your Personal Information if required by law or if we reasonably believe that use or disclosure is necessary to protect our rights; protect your safety or the safety of others; investigate fraud; or comply with a law, court order or legal process.
We use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web server. Cookies are not used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize pages on our Websites, a cookie helps us to recall your specific information on subsequent visits. When you return to the same Website, the information you previously provided can be retrieved, so you can easily use the customized features.
You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Websites you visit. Cookhouse Labs keeps track of the Websites and pages you visit within Cookhouse Labs, in order to determine what portion of the Website is the most popular or most used. This data is used to deliver customized content and promotions within the Website to customers whose behavior indicates that they are interested in a particular subject area.
4.2. Log Files
We may collect demographic information, such as your postal or zip code, age, gender, preferences, interests and favorites using log files that are not associated with your name or other Personal Information. There is also information about your computer hardware and software that is automatically collected by us. This information can include: your IP address, browser type, domain names, internet service provider (ISP), the files viewed on our site (e.g., HTML pages, graphics, etc.), operating system, clickstream data, access times and referring website addresses. This information is used by Cookhouse Labs for marketing purposes, to maintain the quality of the Websites and to provide general statistics regarding use of the Website. For these purposes, we do link this automatically-collected data to Personal Information, such as name, email address, address and phone number.
4.3. Clear Gifs (Web Beacons/Web Bugs)
We employ a software technology called clear gifs (a.k.a. “web beacons” or “web bugs”), that help us better manage the Website by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of visitors to our Websites. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on web pages or in emails and are about the size of the period at the end of this sentence. We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. We tie the information gathered by clear gifs in emails to our customers’ Personal Information. If you would like to opt-out of these emails, please see “Opting Out and Unsubscribing”.
4.5. Third Party Tracking Technologies
How to Access & Control Your Personal Data
5.1. Reviewing, Correcting and Removing Your Personal Information
Upon request Cookhouse Labs will provide you with information about whether we hold any of your Personal Information. You have the following rights with respect to that information:
To request access, correction, updates or deletion of your personal information;
To object to processing of your personal information;
To restrict processing of your personal information;
To request portability of your personal information; and
To opt out of being solicited by Cookhouse Labs,
To exercise any of these rights, please contact us at: firstname.lastname@example.org, or by postal mail at: Cookhouse Labs, 30-34 Duncan Street, Toronto, Ontario, Canada M5H 1A1, Attention: Privacy. We will respond to your request to change, correct or delete your information within a reasonable timeframe, and notify you of the action we have taken.
If we have collected and process your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent.
You have the right to complain to a data protection authority about our collection and use of your personal information.
5.2. Anti-Spam Policy
Our Acceptable Use Policy, at: www.cookhouselab.com/casl-acceptable-use, applies to us and, among other things, prohibits us from sending unsolicited commercial email in violation of applicable laws, and requires the inclusion of an “opt-out” mechanism in any commercial electronic messages that we send.
5.3. To Unsubscribe From Our Communications
You may unsubscribe from our marketing communications by clicking on the “unsubscribe” link located on the bottom of our commercial electronic messages, contacting us at: email@example.com, or by postal mail at: Cookhouse Labs, 30-34 Duncan Street, Toronto, Ontario, Canada M5H 1A1, Attention: Privacy.