Innovation in insurance: micro tips and practical methods for transforming teams

In the insurance sector, innovation has ceased to be a luxury. Today it is a necessity. But it should be said clearly: innovation doesn't start with big budgets, futuristic laboratories or promises of disruption. Innovation starts much earlier. Start small. How you observe a process, question a routine, or try a quick alternative without fear of failure.

From Santalucía Impulsa, we see it in our daily lives: advances that really generate impact are born of curiosity and the ability to experiment. This mentality of “learning by doing” is what turns innovation into culture, not into an isolated project. And, to land it, these microphones Tips they work like simple levers that any team can adopt without the need, in the first instance, for a large deployment.

1. Observe before changing

The first impulse is usually to think about what is missing. But true innovation begins by analyzing what is already happening: how a customer reports an incident, what steps teams take to manage a policy, what questions are repeated in a Call Center, which tasks generate unnecessary friction. Looking closely shows blind spots that were there a long time ago.

Questions as simple as “why do we do it that way?” or “what would happen if we eliminated this step?” they open up unexpected paths. Sometimes a small adjustment to a daily process generates more efficiency than a large technological project.

2. Create short spaces for creativity

La resourcefulness it doesn't just depend on moments of inspiration. It can be trained. An effective trick is to set aside short blocks (fifteen minutes at the beginning of the week, for example) to explore quick ideas about a specific challenge: improving Onboarding, simplify a notification, reduce waiting times or improve the clarity of a communication.

Lightweight dynamics such as “what if...” or “how would a customer do it” help to unlock. It's not about solving everything in that session, but about planting ideas that can later turn into small experiments.

3. Test fast, not perfect

Practical innovation operates with a clear logic: prototype, learn, adjust. The order is clear: quick version, test, feedback and repeat. The insurance industry is usually prudent by nature, but that prudence is not at odds with small testing.

A team can test a new message for customers waiting for claims resolution, redesign a form with two variants and see which one works best, or experiment with a new way of reporting incidents between departments. The important thing is not to wait for the perfect plan: you learn more with a modest test than with an impeccable document.

4. Listen to the user from the start

One of the most powerful principles of innovation is designing with people, not for people. Observing how a customer navigates through a process, listening to how they explain their doubts or detecting which parts generate insecurity helps identify real opportunities.

This human-centered view is especially relevant in insurance, where trust is the basis of the relationship. If the experience is simple and understandable, the perception of value increases.

5. Create multifunctional micro-teams

Small teams move faster because they require less coordination and make decisions in a more agile way. The ideal is to form groups of two to four people with different profiles: someone who knows the customer, someone who understands the process and someone who knows the technical side.

These micro-teams can spend a few days on a design, a basic prototype or a complete revision of a specific flow. The breakthrough is often surprising, not by size, but by focus.

A recent study suggests that small teams generate more original ideas than large, highly specialized groups, precisely because of this combined agility and diversity. Introducing this dynamic into large organizations helps innovation to flow without friction.

6. Turning innovation into a system, not an event

Innovation is a habit, not a one-off gesture. For it to work, it needs a clear circuit: you experiment, you collect what you have learned, you share, replicate what provides value and you discard what doesn't. This cycle creates a living culture.

The international frameworks that analyze the innovative capacity of organizations agree on one thing: what makes the difference is not isolated initiatives, but the consistency of the system. Innovating a little bit every day is more transformative than innovate once a year in a big way.

7. Align small changes with a bigger vision

Micro-tips work best when integrated into a larger strategy. In the insurance field, innovation must contribute to improving the customer experience, reinforcing efficiency, supporting sustainability, improving the relationship with mediators or boosting digitalization.

In the case of Santalucía Impulsa, in addition, these small experiments They connect directly with their identity: closeness, ability to adapt, commitment to young talent and desire to transform the future of the sector from within.

Useful innovation doesn't need big gestures: it needs intention, method and a human perspective. And it starts with something as simple as observing, asking, testing and learning.

That is the philosophy that drives Santalucía Impulsa: to stop innovation from being an abstract concept and become a daily practice, accessible to any team. Because, in the end, transforming an organization doesn't always require a giant leap. Sometimes it's enough to chain together a lot of small steps in the right direction.