It’s not only drones and driverless cars that may become the norm someday - ocean-faring ships might also run without captains or crews.

According to the head of Berkshire Hathaway, insurers should worry about self-driving cars, not climate change. At the Berkshire Hathaway shareholder meeting last weekend, Warren Buffett shared his insurance industry forecast and brought up a number of trends and innovations that have been the topic of conversation among experts in this arena.

Insurance isn’t necessarily an inviting word, especially for millennials. Not only do young people have fewer items to insure, but the process of getting insurance for those items is entirely foreign to folks who order their cars, food, cleaning services and more from an iPhone app.