Tim Attia

Mobile technologies, principally the smartphone, have produced our "on-demand" economy. Three key factors mean we are just at the beginning.

In the on-demand world, 40% of the U.S. workforce may be "contingent" by 2020. That fact raises important questions that must be addressed now.

On-demand platforms have eliminated barriers to self-employment. But people need to be protected when operating as businesses.

Superstores like Walmart and Costco show how insurers can create the convenient, one-stop-shopping experiences that consumers want.