If there’s one thing everyone can agree on, it’s how much they loathe insurance companies. And yet, despite every technological revolution, the insurance industry continues to operate basically the same way it did in the Middle Ages. Dan Schreiber, co-founder of Lemonade, saw the fundamental wrong of insurance: If people don’t get paid for claims, insurance companies make more money. So he aligned the company with its customers and created a bot to make the process surprisingly more human.