Renewable energy sources in the circular economy system: strategies for renewal and use in conditions of undetermination

for tech-savvy talent, regulatory uncertainty, and the growing competition from InsurTech startups and digital platforms.Special attention is paid to the structure of insurance product distribution channels, which is undergoing digital transformation globally and is gradually evolving in Ukraine.The paper highlights successful Ukrainian examples (e.g., UKASKO, Hotline.finance),showing how local companies adapt to external shocks like the COVID-19 pandemic and the war, while developing their own InsurTech ecosystems.Based on global investment trends and market dynamics, the article concludes that the future of the insurance industry lies in hybrid models that combine traditional expertise with technological innovation.Strategic partnerships, flexible management, and openness to collaboration with InsurTech startups are becoming critical for maintaining competitiveness.InsurTech is no longer a trend but a structural driver of change in insurance, and its integration into management practices is essential for sustainable development.