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"just about everything" is the point, don't obsess over the number. Payroll, payments, IT, finance, sales, HR, benefits, inventory management, etc. are all available by subscription. Many of those used to require a team of developers in-house. Its easier than ever to run a business on these, and its FAR cheaper than building out software yourself.

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Well, there is a big difference between 99.5% (i.e. essentially everything) and 60% or whatever. You rattled off a bunch of functions most of which are both quite complex and pretty standardized across large business.

I agree that pretty much any large organization writing their own email or payroll system in this day and age is probably certifiably insane.

But even large "non-tech" companies have fairly significant custom needs even if it's just integrations and customizations of SaaS. Just because you're using Salesforce doesn't mean you just point everyone in the company at your Salesforce instance and call it a day.

Just about everything except for the business itself. Cool, you outsourced a bunch of operational stuff.

What you're forgetting is that insurance companies still need their custom insurance software with all of their custom risk models built in. That's the entire value proposition of the business so your estimate that it's only "0.5%" of what the company needs is way off.

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