‘The new realities’, a term coined by futurist and author of this report, Amelia Kallman, covers augmented reality (AR), virtual reality (VR) and mixed reality (MR) technologies. While gaming has been a focus of these technologies thus far, businesses are increasingly looking to use them. This increasing uptake by businesses, and the new risks the technologies pose to them and society in general, represent a potentially substantial new market for insurers, as well as a means by which they can improve their own products and services.