Expanding into the United States is a milestone many UK insurtechs aspire to, but the journey is rarely straightforward. In this new interview series, produced in partnership with Insurtech UK, we explore what it really takes to successfully launch and scale in the world’s largest insurance market. Melissa Collett, CEO of Insurtech UK, highlights why understanding the fundamental differences between the U.S. and UK markets is essential from day one – from regulatory complexity and product expectations to customer behaviours and distribution models. She also reflects on the areas of U.S. expansion that UK insurtechs frequently underestimate, whether through cultural assumptions, market sizing missteps, or operational blind spots that can slow or even stall growth.

Drawing on her experience advising and supporting UK firms during their expansion, Melissa discusses the most common challenges insurtechs encounter when entering the U.S., including those tied to compliance, talent, and business model adaptation. She explores where UK founders typically need the most guidance as they step into an unfamiliar landscape, and the strategic foundations that should shape a strong U.S. entry plan. Throughout the series, we’ll examine the key elements of a market entry strategy – from positioning and partnerships to risk management and local expertise, helping ambitious UK insurtechs navigate not just the opportunity but the realities of building in America.