An instech startup looking to disrupt the property/casualty insurance industry with a new business model has turned to four seasoned insurance executives from traditional carriers AIG and ACE Insurance to round out its executive team. Lemonade, the peer-to-peer (P2P) insurance carrier set to launch in the first half of this year, has named Ty Sagalow, a 25-year senior executive with American International Group (AIG), as its chief insurance officer.