Did they invent something no one else can do? Why would insurance companies not just scrap the middle man and build their own thing? I once worked for a compan

Did they invent something no one else can do? Why would insurance companies not just scrap the middle man and build their own thing? I once worked for a company that built smaller products for insurance companies. No really big ones, but a decent representation of the market. We would put together an update for what was an internal application, and sometimes it would take 6-8 months or more for them to get around to deploying the new version to their users, assuming they didn't decide to just hold off for the next version for some reason or another. These companies are pretty absurd in how slowly they move with anything, especially anything technology related.