If you had to pick an industry to go paperless, insurance might seem an unlikely choice. Core processes for insurers typically are paper-intensive. What's more, as a whole, the industry has been somewhat slow to adopt new processes and technologies.

Yet, going paperless was a primary goal of Embrace Pet Insurance. Headquartered in Beachwood, Ohio, a suburb southeast of Cleveland, Embrace was launched by co-founders Laura Bennett and Alex Krooglik, a pair of freshly minted Wharton MBAs, as an all-digital enterprise right out of the gate.

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