18 3. Leveraging broader ecosystems This theme represented 6% of applications to Startupbootcamp, the fifth largest category. Some 27% of corporates considered this theme impactful, ranking it as the least impactful of our six themes. A number of start-ups see partnerships across the insurance sector, as well as with different industries, as the key to their success. Such partnerships are effective ways to augment capabilities, develop mutually beneficial relationships and access new customers via different routes. The relatively low number of applications to Startupbootcamp from ventures of this type is not surprising, since the partner- ship model often relies on a business having demonstrated its value proposition in practice – Startupbootcamp applicants are not generally at this level of maturity. Equally, insurers are not accustomed to working with other sectors, which may be why they see this theme as less impactful. Nevertheless, we expect this to be a long-term growth area. “We guess that the potential for real disruption is more in business models that are not restricted to the InsurTech area,” argues Martin Pluschke of ERGO. The potential is demonstrated by a start-up such as Domotz, which provides diagnostics and remote-support software ap- plications for the digital home and office. It has successfully partnered with Best Buy, the multinational consumer electronics retailer, and is currently exploring opportunities to work with utility companies, telecoms companies, hardware manufacturers and insurers in order to increase the penetration of its products. In return, these organisations are able to offer their customers additional value added services.