Yes­ter­day was a great day: I could wit­ness the oper­a­tional­iza­tion of my enter­prise pro­to­col evo­lu­tion model. Nobody at the MunichRe sym­po­sium specif­i­cal­ly talked about the model. How­ev­er, the symposium’s theme “Mod­u­lar­i­sa­tion of the Insur­ance Value Chain” actu­al­ly is the oper­a­tionalised ver­sion of it. In my model, I describe the evo­lu­tion of the enter­prise as a devel­op­ment from the enter­prise as an insti­tu­tion, over the enter­prise as a plat­form to the enter­prise as a pro­to­col. Since enter­pris­es