Regulation of InsurTech: Is the Principle of Proportionality an Answer?

In the view of current discussion on how to regulate emerging InsurTech companies, if at all, author attempts demonstrate that rather than automatically introducing new regulation, principle proportionality can, in most cases, help adapt application existing rules and policy approaches business models without incurring major regulatory changes. An example peer-to-peer platforms is used show specificity each company can be grasped by three key criteria proportionality: nature, scale complexity.