Black is a digital insurance company on blockchain. Our platform connects insurance brokers directly with capital enabling them to launch their own virtual insurance companies. Thus removing the trusted third parties (Insurance Companies) from the value chain. We have been in the insurance industry for over 18 years. During this time we realised - we don't care about insurance. And we believe that no one should care about insurance. It is a service that should work seamlessly without customers having to think about it. Black will fix the insurance industry fundamentally. Black is an insurance platform like Lloyds of London on blockchain without the expense, delays and bureaucracy that we witness today. Insurance business will be generated by local MGAs / Brokers / Agents whose responsibility is designing insurance products for a market, pricing and selling the product and organising claims handling. Delegating business to local agents makes the Black business model scalable while bringing business decisions closer to end customers.