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  <url>
    <loc>https://www.11eight.net/earlystage/steve-moss-aces-insurtech</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9605df61eb871516088174/ddd8284d-a0d8-4cb1-9459-10d5f60a440c/ACES+X-One.png</image:loc>
      <image:title>Early Stage - Steve Moss | ACES | Insurtech</image:title>
      <image:caption>What have you learned about raising capital? I’ve always bootstrapped in my past ventures - self-funding the business to prove the model and stay lean. That experience taught me the value of capital efficiency, discipline, and building something real before asking others to invest. While I haven’t raised capital yet for ACES, I’ve come to understand that it shouldn’t be just about funding - it’s about finding the right partner. The right investor should share the vision, understand the problem being solved, and bring more than a cheque. They should offer strategic insight, access to networks, and long-term commitment. Taking money from someone is a tremendous responsibility - and I believe it should be treated with the same care, alignment, and integrity as any mission-critical business decision. What can corporates learn from early-stage businesses? Early-stage businesses operate with speed and focus. We build with limited resources, stay close to the customer, and test constantly to find what works. Corporates can learn from this agile, outcome-driven mindset. Innovation doesn’t always require big budgets - sometimes it just requires getting closer to the problem, acting quickly, and iterating based on feedback.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9605df61eb871516088174/e9f17679-35f0-4ac3-bec2-bd7775930f86/WhatsApp+Image+2025-05-18+at+17.43.29_cb0fd947.jpg</image:loc>
      <image:title>Early Stage - Steve Moss | ACES | Insurtech - What does ACES do? Who is the solution for? What problem does it solve? ACES (Automated Consumer Electronics Solutions) is an AI-driven ecosystem specifically built for insurers, retailers, and telcos.  At its heart is the X-One, an intelligent self-service kiosk that replaces manual workflows with automation, enabling on-the-spot assessments and resolutions for insurance claims and returns. But ACES goes far beyond claims automation. It delivers strategic value across the insurance and retail ecosystem by: Cutting Claims Costs by over 71% through automation, AI triage, and process optimization. Reducing Fraud by up to 90% via AI driven claim assessments and verification. Accelerating Claims Resolution from weeks to minutes with on-the-spot claims processing. Reducing Repair Costs by 10–30% through AI-driven diagnostics and dynamic, multi-vendor quoting. Enhancing Customer Satisfaction with faster, transparent and convenient claims experience.  ACES doesn’t just solve operational inefficiencies - it unlocks a smarter, scalable model for insurers and retailers to grow revenue, reduce loss, and deliver better outcomes for customers.</image:title>
    </image:image>
  </url>
  <url>
    <loc>https://www.11eight.net/earlystage/ian-tulloch-insurtech-lodgicl</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-05-26</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9605df61eb871516088174/0497b999-bf37-4aea-a61f-2f4db50cde4e/Ian+Tulloch+Lodgicl.jpg</image:loc>
      <image:title>Early Stage - Ian Tulloch | Insurtech | Lodgicl</image:title>
      <image:caption>Ian Tulloch - Fonder Lodgicl</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.11eight.net/earlystage/insurtech-dr-philip-conway-elementech</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-16</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9605df61eb871516088174/1b003455-c983-40d9-867e-9c1b48b90b86/Surf_PC_Sandon_Red.jpg</image:loc>
      <image:title>Early Stage - Insurtech | Dr Philip Conway | ElemenTech - Make it stand out</image:title>
      <image:caption>Philip goofy foot at Sandon Point…</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9605df61eb871516088174/772153a4-2601-4389-a52f-47e43f896379/Profile_sitdown_crop.jpg</image:loc>
      <image:title>Early Stage - Insurtech | Dr Philip Conway | ElemenTech - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.11eight.net/earlystage/insurtech-jasmin-flori-hess-raindropme</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2025-04-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9605df61eb871516088174/e2d6c1af-a65f-4e7d-8d83-87abb777ef1d/Jasmin+Flori-Hess_2659.jpg</image:loc>
      <image:title>Early Stage - Insurtech | Jasmin Flori-Hess | Raindrop - Make it stand out</image:title>
      <image:caption>Jasmin Flori-Hess - Founder and CEO Raindrop</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.11eight.net/earlystage/fabrizia-roberto-koverd-insurtech</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-19</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9605df61eb871516088174/9f2ea9ad-f774-4395-bfb6-5e140cbe56b4/Photo_27.jpg</image:loc>
      <image:title>Early Stage - Fabrizia Roberto | Koverd | Insurtech - Make it stand out</image:title>
      <image:caption>Fabrizia Roberto. Co-founder &amp; CEO, Koverd</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.11eight.net/earlystage/andrew-wong-koba-insurtech</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9605df61eb871516088174/80d134ad-87b4-4a81-bfdc-341bdcd9ab3a/Capture.PNG</image:loc>
      <image:title>Early Stage - Insurtech | KOBA | Andrew Wong</image:title>
      <image:caption>What are the one or two lessons/principles/ you carry with you into everything you do? In 1999, there was a cult space movie called Galaxy Quest, it starred Alan Rickman and Tim Allen. I love this poster. These are the rules I live by. How do you balance your personal time and your ‘work’ time? I love my work, so finding balance isn’t really a goal for me. Since having kids though, I’ve wanted to make a conscious focus to spend quality time with them, so I have some rules/goals: Eat breakfast and dinner together 5 days a week Always have the next holiday booked before we go away. That way when we come home, we already have the next family event to look forward to.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9605df61eb871516088174/5fe362c8-950e-4af8-b587-a8f1476f7799/Andrew+Wong+Koba+headshot.png</image:loc>
      <image:title>Early Stage - Insurtech | KOBA | Andrew Wong - Make it stand out</image:title>
      <image:caption>KOBA Founder, Andrew Wong</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.11eight.net/earlystage/hugh-treseder-floatspace-where-fun-on-the-water-starts</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9605df61eb871516088174/62944238-e055-42d3-b6e6-5ac9ff3b26ae/IMG-1928.jpg</image:loc>
      <image:title>Early Stage - Sharing Economy | Hugh Treseder | Floatspace - Make it stand out</image:title>
      <image:caption>Hugh Treseder - CEO and Founder Floatspace</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.11eight.net/earlystage/insurtech-treemanager-peter-dubiez</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9605df61eb871516088174/1624486901745-VB101JYHXQKKFQRAO0W6/Peter_Headshot.JPG</image:loc>
      <image:title>Early Stage - Insurtech | TreeManager | Peter Dubiez - Make it stand out</image:title>
      <image:caption>Peter Dubiez, CEO TreeManager</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.11eight.net/earlystage/insurtech-codafication-daniel-sandaver</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9605df61eb871516088174/1623204044132-QMBDKXPEDG6F1AQCILX1/ABC__192905__0214.jpg</image:loc>
      <image:title>Early Stage - Insurtech | Codafication | Daniel Sandaver - Make it stand out</image:title>
      <image:caption>Daniel Sandaver, Managing Director Codafication</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.11eight.net/earlystage/insurtech-australia-rita-yates</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-22</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9605df61eb871516088174/1621716306920-YP4N1AYCHUJ9VPYC7PLX/Rita+Yates.jpeg</image:loc>
      <image:title>Early Stage - Insurtech Australia | Rita Yates - Make it stand out</image:title>
      <image:caption>Rita Yates, CEO &amp; Co-Founder, Insurtech Australia</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.11eight.net/earlystage/2hv88b65k2i5wh796wbpk8pdscssi7</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-09-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9605df61eb871516088174/1624235207860-IF1SJAPW27885YZ3SIUG/Matt+Hodson.jpg</image:loc>
      <image:title>Early Stage - Insurtech | Matt Hodson |  Blue Zebra - Make it stand out</image:title>
      <image:caption>Matt Hodson, , from aspiring soccer star to Blue Zebra COO</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.11eight.net/earlystage/insurtech-claimspace-aurora-voss</loc>
    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
    <lastmod>2022-07-22</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5f9605df61eb871516088174/1624486403846-310SL0XOVVQWNR3WEBOD/Aurora+Voss+Headshot.jpeg</image:loc>
      <image:title>Early Stage - Insurtech | ClaimSpace | Aurora Voss - Make it stand out</image:title>
      <image:caption>Aurora Voss, CEO and co-founder of ClaimSpace</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.11eight.net/earlystage/insurtech-sky-theodorou-upcover</loc>
    <changefreq>monthly</changefreq>
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    <lastmod>2022-07-22</lastmod>
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      <image:title>Early Stage - Insurtech | Upcover | Skye Theodorou - Make it stand out</image:title>
      <image:caption>Skye Theodorou with co-founder Anish Sinha</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.11eight.net/earlystage/tag/Claims+Management</loc>
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  </url>
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    <loc>https://www.11eight.net/earlystage/tag/Daniel+Sandaver</loc>
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    <changefreq>monthly</changefreq>
    <priority>0.5</priority>
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    <loc>https://www.11eight.net/newsletter/outperformance-new-mobility-models-will-require-new-insurance-models-bigtech-speed-critical-to-satisfaction-arity-toyota-partner-ubi-distracted-driving-data-portability-telematics-cameras-fleets-kn3er</loc>
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      <image:title>Newsletter - Lighthouse #21 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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