Podcasts about Hiscox

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro is joined by Jean-Jacques Henchoz (JJ), Non Executive Director, Brit Insurance  and a non executive director across the insurance value chain, to explore the future of insurance. With over 25 years of industry experience, JJ shares his perspectives on how insurers can remain relevant by addressing protection gaps, improving affordability, and embracing cultural and technological transformation. The discussion highlights how AI, automation, and innovation are reshaping customer experience while reducing inefficiencies. Juan and JJ also examine the importance of attracting tech-savvy talent, breaking down silos, and fostering collaboration across the sector. Packed with insights, this conversation offers a roadmap for insurers seeking to stay customer-centric and resilient in a rapidly evolving world.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Insurance for small businesses has always been complex, expensive, and underserved. But what if technology and partnerships could change that?In this episode of Building Tomorrow's Insurer, host Nigel Fellowes-Freeman sits down with Eric Mignot, Founder and Chairman of +Simple, to explore how one of Europe's most ambitious digital brokers is reshaping SME insurance.From CFO at Suez, to leading Hiscox, to launching +Simple, Eric's journey shows how insights from telecoms, utilities, and digital banking inspired him to reinvent insurance distribution.Tune in to hear:Why expense ratios—not loss ratios—are the real challenge in SME insuranceHow +Simple scaled to 14,000 brokers across five countriesThe role of technology in simplifying underwriting, claims, and accountingWhy programmatic M&A and capacity pooling became game-changersEric's lessons on raising capital, partnering smartly, and scaling across EuropeThis is a must-listen for anyone building insurtech, rethinking distribution, or leading digital transformation in insurance.

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro speaks with Bilge Mert, Chief Technology and Transformation Officer at Brit Insurance, about what it takes to drive meaningful digital transformation in commercial insurance. Bilge shares her approach to standardising processes across lines of business, leveraging AI to unlock efficiency, and building scalable technology foundations that support long-term innovation.Discover how combining insurance expertise with cross-industry experience can accelerate digital transformation, and learn practical approaches to breaking down silos while driving organisational change. Whether you're leading technology initiatives in insurance or interested in industry innovation, this conversation delivers actionable strategies for building scalable, future-ready insurance operations.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

In dieser Podcast-Folge geht es um die Themen, die beim Immobilienkauf auf Mallorca entscheidend sind: Steuern, rechtliche Rahmenbedingungen und die richtige Absicherung. Leon Glaser, Privatkundenberater bei Hiscox in Frankfurt, betreut deutsche Kunden, die ihre Ferienimmobilie oder ihren Erstwohnsitz im Ausland versichern möchten – mit deutschen Bedingungen, die für Transparenz und Sicherheit sorgen. Sein Gesprächspartner ist Christian Plattes, Asesor Fiscal und Leiter der Abteilung Wohn- und Ferienimmobilien der PlattesGroup. Ob Wegzugsbesteuerung, Vermögenssteuer oder laufende Pflichten wie Grundsteuer und Steuererklärungen – Christian Plattes und sein Team begleiten Unternehmer und Privatpersonen ganzheitlich bei allen Fragen rund um den Lebensmittelpunkt auf den Balearen. Gemeinsam sprechen Leon Glaser und Christian Plattes über: - die Besonderheiten des spanischen Immobilienmarktes - steuerliche Fallstricke und wie man sie vermeidet - die Bedeutung von Versicherungen für Ferien- und Erstwohnsitze - die Frage, warum Mallorca für viele Deutsche mehr als nur ein Urlaubsziel ist. Die Folge bietet praxisnahe Einblicke für alle, die mit dem Gedanken spielen, eine Immobilie auf Mallorca zu erwerben oder ihren Lebensmittelpunkt dorthin zu verlagern. Die Folge gibt es unter anderem auf Spotify, Apple Podcast und Youtube.

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro sits down with Greg Hendrick, CEO of Vantage Risk Companies, to unpack what it takes to build a modern underwriting company from the ground up, right in the middle of a pandemic. Greg reveals how Vantage has grown to $1.2B in equity by combining the best of traditional underwriting expertise with a business-driven risk data technology strategy.From creating an “Opportunity Score” to prioritise submissions, to fostering collaboration between underwriters and data scientists, Greg shares practical strategies for boosting efficiency and culture in a remote-first world. Whether you're an insurance professional embracing digital transformation or a leader refining underwriting workflows, this conversation is packed with lessons on thriving in today's complex risk landscape.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Episode Guest:Joanne Musselle is the Group Chief Underwriting Officer at Hiscox, where she oversees global underwriting strategy and risk management. With more than two decades in the industry, Joanne is passionate about mentoring future leaders and showcasing insurance as a career that powers progress.Episode Timestamps:0:00 Introduction0:46 Why Joanne said yes to My Duvet Flip1:21 Growing up in Barry, Wales2:28 Early jobs that built Joanne's work ethic3:49 Lessons from working in a hospital5:03 Discovering a career in insurance6:13 Handling rejection and the power of feedback8:15 Overcoming “feedback fear”10:09 Tailoring feedback to different personalities12:33 The surprising scope of insurance13:42 Why you must understand insurance end-to-end15:21 Claims as the “shop window” of insurance15:54 Explaining underwriting with M&Ms17:04 How insurers price risk18:57 The impact of climate change on insurance20:02 The real purpose of insurance: pooling risk20:55 Lifelong lessons from parents and early mentors22:12 Why striving for perfection holds you back22:56 Moving to Singapore — a career-defining leap24:39 Building confidence by taking opportunities26:40 The importance of generosity and community27:50 Mentorship and the value of giving back28:17 22 years at Hiscox — why Joanne stayed28:55 The non-negotiable values that guide Hiscox30:05 Why young people should consider a career in insurance32:14 How cyber and AI are shaping the future of risk32:44 One action to take if you want to be an underwriter34:27 Joanne's duvet flip – what gets her out of bed in the morningEpisode PartnerHiscox, a leading international insurer with more than 3,000 employees worldwide. The company is known for specialist insurance solutions and a strong commitment to customer service.Disclaimer:The content provided on Duvet Flip is for informational and entertainment purposes only and should not be considered professional advice. The views expressed by hosts, guests, brands or contributors are their own and do not necessarily reflect those of the show's producers, sponsors, or affiliates. The information shared is not a substitute for professional advice, including but not limited to career counseling, financial guidance, legal consultation, or mental health support.Listeners and viewers are responsible for their own decisions and actions based on the content provided, and Duvet Flip assumes no liability for any outcomes resulting from reliance on the information shared. By engaging with the show, you acknowledge and agree to this disclaimer.If you're struggling with debt, trusted advice and free support can be found here: https://www.gov.uk/debt-adviceIf you're struggling with mental health of any kind, you can find free support here: https://www.nhs.uk/mental-health/

Episode Guest:James Brady is the Property Divisional Director at Hiscox, where he leads underwriting and strategy across the UK property market. With over 18 years at Hiscox, James has built teams, led growth, and championed insurance as one of the world's best-kept career secrets.Episode Timestamps:0:00 Introduction0:41 James on demystifying insurance careers1:12 First job and early lessons in pensions2:33 How to stand out in a competitive job market3:28 Knowing your differentiator in interviews4:40 When a “good vibe” job isn't the right fit5:28 Why you should never leave without another role lined up6:21 The role of recruiters and how to spot a good one8:12 Why you must drive your own career9:41 The non-linear path to success10:46 What Hiscox taught James about opportunity12:22 Why insurance is the world's best-kept career secret13:36 The variety of careers inside insurance14:57 How the Lloyd's of London market works16:58 Local vs London underwriting explained18:56 Why James has stayed 18 years at Hiscox20:39 What makes a great manager22:17 The hardest and most rewarding part of managing people22:53 Moving from London to Manchester — a career-defining opportunity24:20 What to consider before saying yes to a big move26:09 Rebuilding the Manchester team and brand27:31 The power of consistency and being as good as your word28:28 Specialising in media and technology insurance29:49 Insuring content creators, designers, and media giants31:07 Why join Hiscox and the insurance industry today32:46 James's duvet flip – what gets him out of bed in the morningEpisode PartnerHiscox, a leading international insurer with more than 3,000 employees worldwide. The company is known for specialist insurance solutions and a strong commitment to customer service.Disclaimer:The content provided on Duvet Flip is for informational and entertainment purposes only and should not be considered professional advice. The views expressed by hosts, guests, brands or contributors are their own and do not necessarily reflect those of the show's producers, sponsors, or affiliates. The information shared is not a substitute for professional advice, including but not limited to career counseling, financial guidance, legal consultation, or mental health support.Listeners and viewers are responsible for their own decisions and actions based on the content provided, and Duvet Flip assumes no liability for any outcomes resulting from reliance on the information shared. By engaging with the show, you acknowledge and agree to this disclaimer.If you're struggling with debt, trusted advice and free support can be found here: https://www.gov.uk/debt-adviceIf you're struggling with mental health of any kind, you can find free support here: https://www.nhs.uk/mental-health/

Episode Guest:Steve Parry is Group Claims Director at Hiscox, where he leads global claims operations with a focus on fairness, innovation, and helping customers navigate challenges.Episode Timestamps:0:00 Introduction0:33 Steve's first job in Manchester1:29 Why Steve chose insurance over the family business2:37 Starting in claims with just £250 authority3:35 From Manchester to London – chasing bigger opportunities4:33 Restless ambition and the “Incredible Hulk” drive6:02 Core values: fairness, respect and honesty7:55 Lessons from a $20m mistake in South Korea9:39 How competition shaped (and humbled) Steve's career11:49 Building winning teams: Negative Nellys and Analytical Andys14:19 Coaching and steering teams to success16:11 The toughest jobs Steve's ever had18:17 Steering noisy meetings back on track19:39 Why “Steering Steve” became his superpower21:00 The future of insurance: change and agility22:43 Why customer journeys will define the industry24:31 Balancing tech, AI and the human touch27:19 How AI is reshaping claims and service29:02 Why insurance claims is an exciting career path30:39 Data, prevention and the future of claims32:46 Why Steve is passionate about mentoring35:22 The power of being restless and authentic37:24 Why crab moves matter in your career38:58 Steve's duvet flip – what gets him out of bedEpisode PartnerHiscox, a leading international insurer with more than 3,000 employees worldwide. The company is known for specialist insurance solutions and a strong commitment to customer service.Disclaimer:The content provided on Duvet Flip is for informational and entertainment purposes only and should not be considered professional advice. The views expressed by hosts, guests, brands or contributors are their own and do not necessarily reflect those of the show's producers, sponsors, or affiliates. The information shared is not a substitute for professional advice, including but not limited to career counseling, financial guidance, legal consultation, or mental health support.Listeners and viewers are responsible for their own decisions and actions based on the content provided, and Duvet Flip assumes no liability for any outcomes resulting from reliance on the information shared. By engaging with the show, you acknowledge and agree to this disclaimer.If you're struggling with debt, trusted advice and free support can be found here: https://www.gov.uk/debt-adviceIf you're struggling with mental health of any kind, you can find free support here: https://www.nhs.uk/mental-health/

Episode Guest:Laura Shaw is Head of Digital Trading at Hiscox UK, where she leads the integration of technology and broker relationships to drive growth. With over 25 years at Hiscox, she has held 12 different roles, championing change and the development of future talent.Episode Timestamps:0:00 Introduction0:09 Why Laura said yes to My Duvet Flip1:12 First job lessons — from WH Smith to the post office2:20 Why applying for more than one job matters3:40 Discovering insurance after university4:57 Surprises about the insurance industry5:04 26 years, 12 jobs — Laura's Hiscox journey6:01 Moving from trainee underwriter to new opportunities7:02 Taking risks and battling imposter syndrome7:56 Learning new skills in different locations8:46 Why meeting people in person matters9:39 Dealing with things going wrong — honesty first10:20 Finding confidence and being authentic at work11:32 Why people are at the heart of Hiscox12:14 When colleagues leave — keeping relationships alive12:57 Laura's current role — digital trading explained13:56 Bringing AI into insurance15:18 The skills needed to use AI effectively17:10 Top three skills Laura looks for in her team18:08 Secrets to a successful insurance career19:04 Why young people should join insurance20:16 Laura's advice for your first day at Hiscox20:52 The two reasons she's stayed 26 years21:58 One word to sum up her career: change22:45 How to embrace change as a journey23:14 Laura's duvet flip — the future of insuranceEpisode Partner:Hiscox, a leading international insurer with more than 3,000 employees worldwide. The company is known for specialist insurance solutions and a strong commitment to customer service.Disclaimer:The content provided on Duvet Flip is for informational and entertainment purposes only and should not be considered professional advice. The views expressed by hosts, guests, brands or contributors are their own and do not necessarily reflect those of the show's producers, sponsors, or affiliates. The information shared is not a substitute for professional advice, including but not limited to career counseling, financial guidance, legal consultation, or mental health support.Listeners and viewers are responsible for their own decisions and actions based on the content provided, and Duvet Flip assumes no liability for any outcomes resulting from reliance on the information shared. By engaging with the show, you acknowledge and agree to this disclaimer.If you're struggling with debt, trusted advice and free support can be found here: https://www.gov.uk/debt-adviceIf you're struggling with mental health of any kind, you can find free support here: https://www.nhs.uk/mental-health/

Episode Guest:Cath Frost is the Chief Operating Officer at Hiscox UK, where she leads over 400 people across operations, data, change and customer service. With a career spanning finance and insurance, Cath is passionate about building high-performing teams and creating brilliant customer experiences.Episode Timestamps:0:00 Introduction0:41 Cath's first ever podcast experience2:04 Why Cath joined the insurance industry4:16 The hidden opportunities in insurance6:42 What Cath would do differently starting out8:19 Worrying, planning, and career growth10:02 Should you always have a five-year plan?11:33 Why building teams matters more than titles12:09 What does a COO really do?15:31 Six jobs in one: inside Cath's COO role16:14 Jack's customer experience with Hiscox17:50 The three pillars of customer service at Hiscox18:57 How to start if you want to be a future COO20:29 Finding happiness at work (and when Cath didn't)23:32 Creating brilliant teams and finding purpose25:18 Why fun at work is non-negotiable26:40 The employee–employer balance of responsibility29:12 Educating first-time employees about expectations32:07 Why curiosity is Cath's biggest career advice34:37 One year at Hiscox: what opportunity means35:52 Cath's duvet flip – what gets her out of bedEpisode PartnerHiscox, a leading international insurer with more than 3,000 employees worldwide. The company is known for specialist insurance solutions and a strong commitment to customer service.Disclaimer:The content provided on Duvet Flip is for informational and entertainment purposes only and should not be considered professional advice. The views expressed by hosts, guests, brands or contributors are their own and do not necessarily reflect those of the show's producers, sponsors, or affiliates. The information shared is not a substitute for professional advice, including but not limited to career counseling, financial guidance, legal consultation, or mental health support.Listeners and viewers are responsible for their own decisions and actions based on the content provided, and Duvet Flip assumes no liability for any outcomes resulting from reliance on the information shared. By engaging with the show, you acknowledge and agree to this disclaimer.If you're struggling with debt, trusted advice and free support can be found here: https://www.gov.uk/debt-adviceIf you're struggling with mental health of any kind, you can find free support here: https://www.nhs.uk/mental-health/

My Duvet Flip x Hiscox Takeover Trailer.

Episode Guest:Chris Loake is the Group Chief Information Officer at Hiscox, where he leads global technology, data, and cybersecurity. With a career spanning finance, banking, and technology, Chris is passionate about resilience, adaptability, and building winning teams.Episode Timestamps:0:00 Introduction0:43 Chris's first ever podcast1:17 From paper round to first jobs2:00 Advice for your first day at work2:32 From Harvester to accountancy3:21 Why hating a job can be valuable3:56 Discovering technology by accident4:48 Building a first career plan5:52 How to succeed with “no skills or experience”6:38 Programming vs leading7:14 Routes into technology: apprenticeships and bootcamps8:25 Tech roles that aren't coding9:19 What makes someone “super techie”?9:51 Lessons from technology for life balance10:43 Building resilience through sport and work12:03 Why you should never be the fastest in the club12:26 Work with people who inspire you13:02 What to ask in a job interview14:02 Discipline vs motivation15:21 How to stay disciplined in your career15:50 Career pivots and lessons learned17:04 Running towards the hard stuff17:31 Why failure matters18:04 The record label failure story19:00 Why Chris chose business over entrepreneurship20:28 What makes a true entrepreneur21:38 Small business vs large business experience22:46 Go where the people inspire you23:32 Career pivots vs job hopping25:00 Landing a first job in tech25:49 What a Group CIO really does27:04 How to experiment with new technologies28:17 Transferable lessons between tech and careers28:54 CIO vs CTO explained29:33 The career steps needed for leadership in tech29:39 Why Chris joined Hiscox30:47 Technology as a competitive advantage31:38 Supercharging people with technology32:44 Why adaptability is the ultimate skill33:27 From asking two questions to asking 20034:15 Chris's invisible success35:23 Chris's duvet flip – what gets him out of bedEpisode PartnerHiscox, a leading international insurer with more than 3,000 employees worldwide. The company is known for specialist insurance solutions and a strong commitment to customer service.Disclaimer:The content provided on Duvet Flip is for informational and entertainment purposes only and should not be considered professional advice. The views expressed by hosts, guests, brands or contributors are their own and do not necessarily reflect those of the show's producers, sponsors, or affiliates. The information shared is not a substitute for professional advice, including but not limited to career counseling, financial guidance, legal consultation, or mental health support.Listeners and viewers are responsible for their own decisions and actions based on the content provided, and Duvet Flip assumes no liability for any outcomes resulting from reliance on the information shared. By engaging with the show, you acknowledge and agree to this disclaimer.If you're struggling with debt, trusted advice and free support can be found here: https://www.gov.uk/debt-adviceIf you're struggling with mental health of any kind, you can find free support here: https://www.nhs.uk/mental-health/

Die Themen im heutigen Versicherungsfunk Update sind: GDV kritisiert Rentenpaket: „Nicht generationengerecht“ Der Gesamtverband der Deutschen Versicherungswirtschaft (GDV) kritisiert das geplante erste Rentenpaket der Bundesregierung. Die Maßnahmen – darunter die Stabilisierung des Rentenniveaus und die Mütterrente – kämen vor allem der älteren Generation zugute, so Moritz Schumann, stellvertretender Hauptgeschäftsführer des GDV. „Generationengerecht ist das nicht“, mahnt Schumann. Für eine zukunftsfeste Rente seien Reformen notwendig, die auch Jüngere berücksichtigen – insbesondere durch eine starke kapitalgedeckte Vorsorge. Positiv bewertet der GDV Impulse wie die Reform der Betriebsrente und die geplante Frühstart-Rente. Entscheidend sei nun die konkrete Umsetzung sowie der Ausbau der privaten, geförderten Altersvorsorge. Hiscox bringt erste Ingenieur-Versicherung mit digitalem Antrag Mit „Ingenieure by Hiscox“ launcht der Spezialversicherer eine neue Berufshaftpflicht speziell für selbstständige Ingenieure und kleine Büros – inklusive digitalem Antragsprozess. Die Police deckt nicht nur klassische Ingenieurleistungen ab, sondern schließt auch IT-Dienstleistungen und Beratertätigkeiten mit ein. Highlight ist das optionale Modul „Arbeitsausfall“, das bei krankheits- oder unfallbedingtem Ausfall finanziell absichert. Laut Hiscox schließt das Produkt damit zentrale Deckungslücken, die bisherige Marktangebote offenließen. Scheidung: Mehrheit fühlt sich finanziell schlecht beraten Über die Hälfte der geschiedenen Deutschen fühlt sich rückblickend nicht gut über die finanziellen Aspekte der Trennung informiert. Das zeigt eine aktuelle Umfrage von Civey im Auftrag von Canada Life. Besonders Frauen beklagen unzureichende Beratung – und nur 2,2 % der Verheirateten würden im Fall einer Scheidung einen Versicherungsmakler zu Rate ziehen. Die Umfrage offenbart eine große Informationslücke, vor allem beim Thema Versorgungsausgleich. Definet bringt neue KI-Tools für Finanzberater Die Definet AG hat ihr digitales Angebot um zwei KI-gestützte White-Label-Lösungen erweitert. Mit „FinTwin“ und „DINSpektor“ können Finanzvertriebe und Maklerbetriebe ihre Beratungsprozesse effizienter und DIN-konform gestalten. Beide Tools orientieren sich an der Finanznorm DIN 77230 und unterstützen bei Bedarfsanalyse, Risikobewertung und Kundendialog. Sie ergänzen das bereits etablierte Tarifwechsel-Tool „Monio Switch“. Talanx trennt sich von Gesellschaften in Argentinien und Uruguay Die Talanx-Tochter HDI International verkauft ihre Gesellschaften in Argentinien und Uruguay an das global tätige Unternehmen BARBUSS. Damit setzt der Konzern seine Strategie fort, sich auf profitables Wachstum in großen, aussichtsreichen Märkten zu konzentrieren. Bereits im Februar hatte sich Talanx aus Ecuador zurückgezogen. Über den Kaufpreis wurde Stillschweigen vereinbart. Ein letzter Anteil von 10 % in Uruguay bleibt vorerst bei Talanx – der Abschluss der Transaktion steht noch aus. Doku über Arnoldi – Vater des Versicherungswesens im Porträt Ein Film über Ernst Wilhelm Arnoldi, Gründer der Gothaer Versicherung und Visionär des deutschen Versicherungswesens, ist frei auf YouTube verfügbar. Die 90-minütige Dokumentation beleuchtet Arnoldis prägende Rolle bei der Entwicklung der Versicherungswirtschaft, der dualen Ausbildung und der wirtschaftlichen Einigung Deutschlands. Mit dabei: Zeitzeugen, Historiker – und der damalige Gothaer-Vorstandschef Karsten Eichmann.

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this panel episode of Making Risk Flow, host Juan de Castro dives into the transformative power of generative AI in insurance with three industry experts: Allison Thornicroft, VP and Business Solutions Lead at Arch Insurance Group, Neeren Chauhan, Chief Innovation and AI Officer at Tokio Marine, and Yaemish Rughoo, Information Technology Program Director at Everen.Together, they explore how AI is slashing submission clearance times from days to hours, achieving 95–97% data extraction accuracy, and optimising underwriting workflows. The conversation unpacks actionable frameworks for successful AI adoption, from email intake to underwriter workbench, and emphasises the importance of incremental implementation, human oversight, and third-party data integration. If you're navigating digital transformation in insurance, this episode delivers practical strategies, real-world examples, and lessons from the frontlines of AI-driven operational change.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

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Episode Info Mary Boyd is a seasoned senior executive with over 30 years of experience leading businesses through transformative phases in their history that span invention, renovation, integration and rebuilding. Beyond her reputation for building, revitalizing, and integrating businesses, Mary has a proven track record of successfully translating strategic vision into reality. Her career is distinguished by spearheading large-scale operational, technological, and team transformations, driving significant growth and innovation across organizations. Mary's success lies in her ability to blend innovation with an agile approach, excelling at both seeing the big picture and identifying strategic opportunities in the finer details. Since 2006, Mary has held CEO, President and division leadership roles, consistently improving net income by optimizing channel economics, fostering best-in-class partnerships, building high-performance teams, and advancing operational excellence.  Mary currently serves as Chief Executive Officer of Hiscox USA, leading the business through its next phase of growth and commitment to supporting the small business landscape. In her role, Mary oversees the financial operations of Hiscox USA's nearly $1 billion commercial property and casualty business. She collaborates closely with her teams to drive near-term profitable growth while implementing a strategic vision that will markedly expand their reach to more of America's entrepreneurs. Mary joined Hiscox from Plymouth Rock Assurance Corporation, where she served as President and CEO of their Independent Agency Group, overseeing personal insurance and commercial auto businesses. Before that, she led Hartford's personal lines Direct-to-Consumer and Agency channels, following 15 years in high-net-worth personal lines. Mary began her insurance career at Chubb as an actuarial trainee, progressing through roles in Product and Pricing. She ultimately launched the Predictive Analytics practice for Chubb's Personal Lines division and later spent five years at ACE (now Chubb), where she served as President of their Private Risk Services division.  Mary earned her Bachelor of Arts degree in Applied Mathematics and Economics from Rutgers University. As a coach of youth sports, ambitious professionals, and entrepreneurs  Episode Highlights Introduction and Background Mary shares her experience and background in the insurance industry, highlighting her 30-year career and her role at Hiscox USA. Hiscox USA, part of a long-standing London-based company, started its operations in the US in 2006. Business Model and Growth Hiscox USA has transformed the small commercial business sector by offering online binding and digital partnerships, expanding its business to nearly a billion dollars. The company operates as an omnichannel business, engaging in direct sales, digital partnerships, and wholesale brokerage. Challenges and Opportunities The conversation touches on the challenges small business owners face, such as being underinsured, and how Hiscox aims to support them through education and tailored insurance solutions. The company is focused on being a leading insurer for entrepreneurs, emphasizing the need for holistic support beyond just sales. Innovation The discussion emphasizes the importance of AI and advanced tools in improving underwriting and efficiency across the insurance value chain. Hiscox has partnered with Google to leverage AI for better underwriting and insights. Future Outlook Mary discusses the future of Hiscox, highlighting the integration of data and analytics to enhance product offerings and maintain competitivenes. The company aims to continue its growth by being a better partner and protector for businesses, focusing on insights and protection rather than just speed. This episode is brought to you by The Future of Insurance book series (future-of-insurance.com) from Bryan Falchuk. Follow the podcast at future-of-insurance.com/podcast for more details and other episodes. Music courtesy of Hyperbeat Music, available to stream or download on Spotify, Apple Music, and Amazon Music and more.

In this episode of The Responsive Lab, co-hosts Carly Berna and Scott Holthaus sit down with Heather Hiscox, social impact strategist and author of No More Status Quo, to unpack how nonprofits can lead organizational change with empathy, inclusion, and clarity. Heather shares the story behind her innovative PAUSE Framework — a practical, five-step method to navigate uncertainty and build sustainable change. From challenging the myths of startup culture to redefining change management through a lens of love, care, and equity, Heather reveals the tools nonprofit leaders need to stop defaulting to consultants or technology as a silver bullet — and start empowering their teams through behavioral change and continuous learning.

Die Themen im heutigen Versicherungsfunk Update sind: Vier Versicherer – ein Produkt: neue Kapitallebensversicherung mit Garantie Die Zurich Deutscher Herold Lebensversicherung AG, Zurich Life Legacy Versicherung AG, Allianz Lebensversicherungs-AG und IDEAL Lebensversicherung a.G. bündeln ihre Kräfte und bringen gemeinsam eine klassische Kapitallebensversicherung gegen Einmalbeitrag auf den Markt. Das neue Produkt richtet sich an sicherheitsorientierte Anleger und bietet garantierte Leistungen bei Laufzeiten zwischen sechs und elf Jahren. Der Einmalbeitrag kann zwischen 20.000 und 500.000 EUR betragen. KI in der Dienstleistungsbranche: viel Einsatz, wenig Absicherung Laut einer aktuellen Umfrage von Hiscox setzen 54 % der deutschen Dienstleistungsunternehmen bereits regelmäßig Künstliche Intelligenz ein. Hauptziele: Effizienz, Qualität und Kostensenkung. Gleichzeitig zeigt die Erhebung erhebliche Lücken beim Risikobewusstsein: Nur ein Viertel der Unternehmen ist gegen KI-Risiken versichert. Datenschutz, Fehleranfälligkeit und rechtliche Unsicherheiten bleiben zentrale Herausforderungen. Hiscox fordert: klare Strategien, mehr Aufklärung und gezielte Schulungen im Umgang mit KI. Generali plant Umzug ins Münchner Werksviertel Die Generali Deutschland gibt ihren Hauptsitz in Neuperlach auf und plant den Bau eines eigenen Büroturms im Münchner Werksviertel. Der neue Standort soll spätestens 2028 bezogen werden und rund 1.700 Mitarbeitern Platz bieten. Das berichtet die Süddeutsche Zeitung unter Berufung auf Branchenkreise; Generali wollte sich nicht dazu äußern. Das geplante Gebäude soll „Momenturm“ heißen – eine Wortschöpfung aus „Momentum“ und „Turm“. Geopolitik und Cyber: Unternehmen fürchten Kapazitätsengpässe Die Konflikte in der Ukraine und im Nahen Osten sind laut einer aktuellen Umfrage von Willis Towers Watson (WTW) die größten geopolitischen Risiken für Unternehmen. Auch Handelskonflikte und staatliche Cyberangriffe stehen weit oben auf der Agenda. Dennoch sichern sich bislang nur wenige Firmen über entsprechende Versicherungslösungen ab. Gleichzeitig werden Kapazitätsengpässe insbesondere in der Sach- und Cyberversicherung erwartet. Dialog startet neuen Betriebshaftpflichtschutz für Bau, Handwerk und Hotellerie Die Dialog Versicherung AG hat ein neues Produkt im Bereich Betriebshaftpflichtversicherung vorgestellt. Der Tarif bietet erweiterten Schutz speziell für das Baugewerbe, Handwerksbetriebe und Beherbergungsunternehmen. Zu den Neuerungen zählen unter anderem Absicherung bei Nacherfüllungsschäden, Nutzungsausfällen und Schäden an Gäste-Kfz. Auch der Einsatz gewerblicher Drohnen ist nun als separat versicherbarer Vertrag möglich. Baloise startet Kinder-Police für Vermögensaufbau und Risikoschutz Mit Best Invest Kids bringt Baloise eine fondsgebundene Rentenversicherung speziell für Kinder auf den Markt. Die Police kombiniert Kapitalaufbau mit früher Absicherung biometrischer Risiken – etwa über den neuen Baustein Startklar Plus, der eine spätere Umwandlung in eine Grundfähigkeiten- oder BU-Versicherung ermöglicht. Ein Vertragsabschluss ist ab Geburt möglich, auch ohne Unterschrift der Eltern. Das Produkt richtet sich gezielt an Eltern, Großeltern und Paten.

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this special panel edition recorded at the InsureTech Insights 2025 the panel, including Cytora's Head of North America Zaheer Hooda, have a forward-looking conversation on the evolution of the industry from InsurTech 2.0 to 3.0.Joining him in the panel are Nicholas Chen (MD Financial Services, Accenture), Camilla Serna (Global Revenue Officer at Chubb), Ben Madick (CEO Co-founder of Matic) and Fred Blumer (CEO and Co-founder of Mile Auto & Porsche Auto Insurance). Together, they break down how AI, personalisation, and digital partnerships are reshaping the future of insurance delivery.From embedding trust in AI-driven workflows to aligning regulatory frameworks with innovation, this episode is packed with practical insights. Tune in for a candid discussion on what it takes to drive transformation, without losing sight of insurance's core promise: protection.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Die Themen im heutigen Versicherungsfunk Update sind: Getsafe gibt Versicherungslizenz zurück Das Heidelberger Insurtech Getsafe gibt seine Versicherungslizenz zurück. Statt selbst Risiken zu tragen, setzt das Unternehmen künftig auf Partnerschaften mit etablierten Versicherern. Der Fokus liegt nun auf Technologie, Flexibilität und schnellem Wachstum. Mehr dazu >>> WTW beruft Nikolaus Schmidt-Narischkin zum Vorsitzenden der Geschäftsführung Wechsel an der Spitze: Nikolaus Schmidt-Narischkin übernimmt zum 1. Juni den Vorsitz der Geschäftsführung der Willis Towers Watson Investments GmbH. Er folgt auf Matthias Paetzel, der das Unternehmen verlässt. Schmidt-Narischkin bringt über 25 Jahre Erfahrung in Kapitalanlage, Risikomanagement und betrieblicher Altersversorgung mit. In einem schwierigen Marktumfeld setzt er auf Diversifikation und ausgelagerte Anlagestrategien als Schlüssel zum langfristigen Erfolg. EU-Label für private Altersvorsorg Versicherer aus Deutschland, Frankreich, Italien und Spanien begrüßen die EU-Pläne für ein Finanzprodukt-Label zur Stärkung von Investitionen in Europas Zukunft. Das Label soll auch für kapitalbildende Lebensversicherungen gelten. „Dort, wo es drauf ist, steckt Europa drin“, so GDV-Hauptgeschäftsführer Jörg Asmussen. Sara Yussefi wird Vorständin bei Viridium Die Viridium Gruppe erweitert ihren Vorstand: Ab dem 1. Juli übernimmt Sara Yussefi das neu geschaffene Ressort als Chief People and Communications Officer (CPCO). Sie verantwortet künftig die Bereiche People, Communications und Sustainability. Die Berufung steht unter dem Vorbehalt der BaFin-Zustimmung. [pma:] und Bridge kooperieren bei digitaler Beratung Der Maklerpool [pma:] setzt künftig auf die Beratungsplattform „Bridge“ der Bridge ITS GmbH. Die Kooperation soll Maklern eine vollständig digitalisierte Beratungsstrecke bieten – inklusive Self-Underwriting, interaktiven Tools und KI-gestützter Nachbetreuung. Besonderes Augenmerk liegt auf der DIN-Norm 77230, die beide Partner aktiv unterstützen. Für den Einstieg stellen [pma:] und Bridge umfangreichen Support bereit. Kunstmarkt unter Druck – Spezialversicherungen gewinnen an Bedeutung Laut dem aktuellen Hiscox Artist Top 100-Report ist der weltweite Auktionsumsatz für post-2000-Kunst 2024 um 27 % gesunken. Der Markt wird selektiver – und die Risiken nehmen zu. Hiscox betont: In volatilen Zeiten bietet Kunstversicherung Stabilität für Sammler und Künstler.

The latest statistics on fraud should be a wake-up call for every small business owner. According to a survey by HISCOX, a specialty insurance company, 80 percent of embezzlements occurred at small businesses and 30 percent involved a loss of more than $500,000. With more work is being done remotely, including paying vendors and processing […] The post Are Your Employees Stealing From You? With Vicki Suiter – [Best of PowerTips Unscripted] appeared first on PowerTips Unscripted.

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.Welcome to Cytora's Practitioner's Guide, a new series from Making Risk Flow.In each episode, we sit down with experts from Cytora's global team to explore practical strategies, real-world applications, and emerging insights from the front lines of risk digitization and underwriting transformation.In this episode, Juan de Castro is joined by Rich Lewis, Cytora's Sales Director, and Zaheer Hooda, Head of North America, for a deep dive into what makes proof-of-concept (POC) initiatives in risk digitization succeed—or fail.Drawing on firsthand experience from working with leading carriers, they break down five essential capabilities insurers need to get right when implementing digitization initiatives—from extraction accuracy and full-spectrum intake handling, to scalable deployment and human-in-the-loop exception management.They also provide a practical, inside look at how insurers structure effective proof of concept  processes, including live workshops, data preparation, success metrics, and how to align POC design with measurable business outcomes.Whether you're a carrier planning a digitization journey or a leader seeking to optimize underwriting workflows, this episode offers tactical guidance to ensure your technology investments deliver meaningful impact.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

En el Radar Empresarial de hoy analizamos el recorte de plantilla que anunció este miércoles Burberry. La compañía de moda británica despedirá a 1700 trabajadores en puestos de todo el mundo. Supone una quinta parte de su plantilla mundial. Es la forma que tiene su CEO desde julio del año pasado, Joshua Schulman, de darle la vuelta a la difícil situación financiera que atraviesa la compañía desde hace tiempo. Sus resultados del primer trimestre confirman esta deriva. Perdió 75 millones en el año fiscal y redujo su beneficio operativo un 94%. De los 418 millones del mismo periodo del año anterior a 26 millones en estos tres primeros meses. A pesar de esto, el valor fue el más destacado dentro del London Stock Exchange. Al mercado le gustó el recorte de plantilla y los resultados aunque peores que el año pasado, superaron las previsiones de los analistas. Todo esto hizo que sus títulos subieran un 17%. Para Miguel Méndez, analista independiente, la compañía lo “había pasado muy mal en 2023”, por lo que estas noticias de recortes “siempre son bienvenidas”. 2023 fue el principio de una crisis que se extiende hasta hoy. A finales de ese año, el mercado ya advertía que la marca iba a sufrir con la desaceleración post pandemia que afectó a muchas marcas de lujo, incluida la británica. Ya entonces, sus ejecutivos aseguraban que era muy difícil cumplir con los objetivos anuales de ventas. 2024 confirmó la tendencia. El año pasado el contexto mundial atizó con fuerza a las marcas exclusivas europeas, que sufrieron como pocas el descenso en el consumo de China, gran comprador de casas como Hermés, Kering o Louis Vuitton. En el horizonte aparecían soluciones como ser adquirida por Moncler, pero la compañía optó por cambiar las cosas desde dentro: en julio de 2024 es nombrado CEO Joshua Schulman. Lleva ligado a la moda 30 años y en su amplío currículum destaca elevar a los altares y poner en el mapa a la marca Jimmy Choo. Schulman es el hombre elegido para llevar a cabo esta reestructuración que devuelva a los días de gloria a la exclusiva marca. Está claro que la moda es cíclica y para Schulman la clave es “reinventarse”. Sí Burberry puede mutar en Ave Fénix puede empezar con comienzos como los de ayer. El valor fue el más atractivo del London Stock Exchange, índice eso sí, al que tuvo que mudarse después de ser expulsado del FTSE 100. Entonces, la pérdida de la mitad del valor de sus acciones hizo que el Índice la cambiara por la aseguradora Hiscox. ¿Volverá Burberry a cotizar en la bolsa de referencia británica?

APAC stocks traded higher but with gains capped in severely thinned conditions owing to mass holiday closures across the region and in Europe for Labour Day.BoJ kept rates unchanged at 0.50% and provided some dovish rhetoric despite maintaining its rate hike signal.US is said to have reached out to China recently for tariff talks, according to Bloomberg citing an influential social media account.US stocks were boosted heading into the Wall St closing bell. Futures saw a further lift following strong earnings from Microsoft and Meta.DXY is higher, JPY lags post-BoJ with USD/JPY eyeing 144 to the upside, EUR/USD sits around the 1.13 mark.Looking ahead, highlights include US Challenger Layoffs, Jobless Claims & ISM Manufacturing, BoJ Governor Ueda's Press Conference.Earnings from Amazon, Apple, Riot Platforms, Reddit, Airbnb, Eli Lilly, Roblox, CVS, MasterCard, McDonald's, Drax, Hiscox, Lloyds, Kerry, Whitbread, Standard Chartered & Telecom Italia.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Hiscox Dedicated Corp Member v. Suzan Taylor

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro sits down with Cassandra Vukorep, Chief Data and AI Officer at Lloyd's of London, to explore the impact of data and AI on commercial insurance. They discuss Lloyd's role as an ecosystem platform for over 100 syndicates, the importance of data standardisation, and efforts to streamline operations through the Core Data Record (CDR). With only 8% of insurers adopting AI across multiple functions, Cassandra highlights key challenges, including legacy systems and process redesign. They also examine how AI will become a competitive differentiator in the coming years. This conversation offers valuable insights into Lloyd's digital transformation and how insurers can navigate the complexities of AI adoption to drive efficiency and innovation in the evolving insurance landscape.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Matt Hiscox is my guest and he is the media relations director and photographer for the London Majors of the Intercounty Baseball League. The team pulled off an April Fools prank that went viral when it announced they would be called the Forest City Cobra Chickens. Due to high demand, the team will rebrand for one night as the Cobra Chicken sometime this summer.

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro speaks with Carl Bach, CEO of Hartford Underwriting Agency, about how a 200-year-old insurer is modernising for the future. They discuss Hartford's brand refresh, maintaining its historic stag emblem while evolving its global identity. Carl outlines the strategic transformation of the company's Global Specialty business, which began in 2019, focusing on streamlining operations and ramping up specialisation in marine, energy, and financial lines.The conversation also covers Hartford's international growth ambitions through Lloyd's syndicate 1221, its approach to serving diverse market segments, and its use of AI and intelligent document processing in underwriting. Carl shares insights on balancing tradition with innovation, underscoring Hartford's values—especially "own it with pace"—as the company embraces change and seizes new opportunities in a fast-evolving industry.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Nonprofits and professionals all across the country are on edge right now. With federal grants pausing and unpausing, the limbo must be a whirlwind for so many people working in the nonprofit sector. We all get into this work because we want to help people. But along the way, stuff gets in the way. The organizations and systems we all work with can be cumbersome and lead to frustration. How can we get out of our way? Heather Hiscox tells us on this episode.  Heather Hiscox - PAUSE for Change Website  Discover the Five Skills to Address Uncertainty Top 20 Questions to Ask Your Collaborative Partner

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro welcomes Jonathan Spry, CEO and co-founder of Envelop Risk, for an insightful discussion on how AI and advanced analytics are transforming cyber insurance. They explore Envelop Risk's “data flywheel” strategy, emphasising the power of data-driven decision-making in risk assessment. Jonathan shares how AI-driven underwriting has evolved over the past eight years, shifting from industry scepticism to widespread adoption. They also discuss "augmented underwriting," where AI enhances—rather than replaces—human expertise, especially in speciality insurance. The conversation extends to emerging risks, such as quantum computing's impact on cybersecurity and how AI reshapes risk management across industries. To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

This week, we speak with Fabrice Brossart, Group CRO at Hiscox, about the evolving risk landscape and key priorities for companies in 2025. Our discussion covers: • Has the industry truly learned from the 2008 financial crash when it comes to managing systemic risk? • The biggest risks the industry should be preparing for in 2025. • How risk management strategies need to adapt as markets soften. • Key insights on running a high-impact risk function that adds real business value.

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.This episode of Making Risk Flow is a recording of an event hosted by Cytora and InsTech to bring industry stakeholders, including clients and key industry executives, to the table to discuss how they are approaching digitisation. Juan is joined by James Platt, Henry Withinshaw, and Jonathon Gray to explore how digital transformation is reshaping commercial insurance, tackling challenges like reducing quote turnaround times, improving data accuracy, and enhancing broker service. The panel shares real-world insights on balancing automation with human expertise, overcoming legacy system hurdles, and leveraging AI to streamline underwriting. Whether you're an insurer, broker, or tech enthusiast, this episode delivers actionable takeaways on modernising underwriting workflows for a more efficient and data-driven future.‍To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro is joined by Laurent Rousseau, CEO of Global Capital Solutions at Guy Carpenter, to discuss leadership, success, and the evolving role of insurance in society. Laurent reflects on his career journey from equity analyst to CEO, sharing his personal definition of success: one that prioritises inner fulfilment over external expectations. Together, Juan and Laurent also discuss the insurance industry's role as a key enabler of societal good and the need to shift public perception of the sector, why insurance must embrace innovation, and the challenges of leadership transitions, including the importance of knowing when to step down as part of an organisation's evolution.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro is joined by Marcus Ryu, Co-founder of Guidewire, to explore his fascinating entrepreneurial journey and the transformative role of technology in the insurance industry.Marcus reflects on his nearly two decades of experience building Guidewire into a company that revolutionised insurance. From his early career at McKinsey to founding a startup in a traditionally conservative industry, Marcus shares his thoughts on overcoming the challenges of entrepreneurship, the importance of building complementary founding teams, and navigating the high-stakes world of sales.Together, Juan and Marcus also discuss the evolution of insuretech and its growing opportunities, Marcus' transition into venture capital, and the pivotal moments in Guidewire's history, including a legal battle with Accenture that nearly derailed the company.If you'd prefer to watch the episode instead, simply click here!To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

 Customer Mindset and Priorities in 2025 (01:47)The current climate of geopolitical and economic uncertainty is driving the need for speed and agility when delivering value to customers. Google Cloud customer projects that do just that include improving logistics at UPS, enhancing search functionality, and boosting customer service at Hanesbrands and Macy's. "Uncertainty means the great CEOs want action," Kurian says. "You control the controllable, and you do that by improving speed in your organization." Kurian also discusses significant AI integrations, such as Google Cloud's collaboration with Samsung on its phones and Snap's in-app coach, which are shaping the future of customer interaction.Cloud and AI as a Continuum (04:08)Kurian explains that cloud services actually simplify the deployment and management of AI because they provide models and accelerators as services, reducing the complexity of managing AI systems. In turn, AI helps to streamline cloud services by enabling faster and more efficient application development. Customer examples of how cloud and AI work together to deliver innovative offerings can be found in AI-driven risk calculations at Hiscox, tailored advertising for Puma and Radisson, and content discovery for Warner Brothers Discovery.AI's Impact on Business and Productivity (07:48)AI is no longer confined to IT departments but is now influencing a wide range of business functions. It's improving productivity by streamlining operations, such as facilitating live patient handoffs at hospitals. "Allowing the nurses to do live handoff to another nurse means more time at the bedside. It means more productivity."AI is also enhancing product development by enabling customers to articulate complex needs, which AI can then translate into tailored recommendations. Furthermore, AI's role in call center automation is improving efficiency by handling high volumes of customer inquiries and providing superior service.Customer Service and AI Integration (13:01)Google Cloud's approach to integrating AI with customer service helps businesses create more cohesive and efficient customer experiences by improving reach, understanding, and interactions across multiple channels. Kurian discusses innovations such as the self-service retail search at InterContinental Hotels and digital concierge services for Orange. AI agents manage customer queries, upsell products, and improve service efficiency in call centers.Cost Optimization and Efficiency in AI (15:52)There are several ways in which Google Cloud is addressing the challenges of AI tool affordability. Kurian outlines initiatives aimed at improving the efficiency of AI, such as new software capabilities and optimizations to AI models. In the last six months, Google Cloud has significantly reduced costs, with model costs dropping by more than 10 times. Additionally, improvements in latency and the reduction of AI response iterations are also helping to make AI more efficient and cost-effective.Customer Acknowledgment (18:46)In closing, Kurian expresses his gratitude to Google Cloud's customers, partners, and all those who have supported the company's journey. "To every customer, every partner, everyone who gave us a shot, you were the reason that all of our people worked so hard. Thank you."

Welcome to the Book Publishing Academy podcast. On this episode Janine Hernandez, expert Book Publishing coach chats with Author Heather Hiscox on her featured title "No More Status Quo." Make sure to subscribe and leave a review!  Follow us on instagram: www.instagram.com/bookpublishingacademy Grab the free ebook, the Beginners Guide to Self Publishing: https://www.bookpublishingacademystrategy.com Schedule a no- cost call with our team: www.bookpublishingacademystrategy.com/discover  Join our FREE group: www.bookpublishingacademyfbgroup.com 

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.Here it is, the moment we've been counting down to! As we wrap up our Top 5 Most Downloaded Episodes of 2024, we're thrilled to re-release the No. 1 episode of the year.In this standout conversation, host Juan de Castro sits down with Andrew Horton, Group CEO of QBE Insurance, a global leader operating in 26 countries and ranked among the world's top 20 insurance and reinsurance companies. Andrew's insights captivated audiences, making this the most downloaded episode of the year.During their discussion, Juan and Andrew explore how QBE maintains consistency in a market defined by rapid change, the pivotal role of innovation and culture in driving the industry forward, and why AI has become a personal priority for Andrew as a game-changing technology.Topics Discussed:How QBE balances stability with adaptability in a dynamic industry.The critical link between company culture, innovation, and long-term success.Andrew's perspective on how AI is reshaping the future of insurance.Join us as we celebrate this incredible episode and reflect on the remarkable conversations that defined 2024. Thank you for being part of Making Risk Flow; here's to more impactful episodes in the year ahead!To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.We're nearing the top of our countdown! As we celebrate the Top 5 Most Downloaded Episodes of 2024, this week we're revisiting the conversation that landed at No. 2.In this episode, host Juan de Castro is joined by James Platt, Co-Founder and Operating Partner at Trimstone Partners. James brings a wealth of experience in operational transformation and technology innovation, with a career that spans senior roles at Boston Consulting Group and Aon, where he served as CEO of Digital Solutions.This episode struck a chord with listeners for its bold perspectives and actionable insights. James shares why he believes the combined ratio is a flawed metric holding the insurance industry back, and how leveraging data, digitisation, and smarter decision-making can propel the sector forward.Topics Discussed:Why the combined ratio might be the insurance industry's biggest obstacle.Lessons from other industries like mortgage and asset management on evolving successfully.How data and digital tools can unlock new growth and efficiency opportunities.Don't miss this thought-provoking episode as we edge closer to revealing the No. 1 most popular episode of 2024!To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.The countdown continues! As we approach the end of 2024, we're revisiting the Top 5 Most Downloaded Episodes of the Year on Making Risk Flow.This week, we're diving into No. 3, a thought-provoking conversation with Jacob Palmer, Partner at Boston Consulting Group (BCG). With over 13 years of experience in consulting, risk management, and insurance, Jacob works with global insurers to navigate challenges and seize opportunities in a rapidly evolving industry.Whether you're revisiting this conversation or hearing it for the first time, it's an episode packed with expert perspectives on leveraging GenAI to transform insurance.Topics Discussed:Why GenAI is becoming a high priority for insurers.The essential components of a successful GenAI strategy.Buy versus build: considerations for adopting new technologies.How London market insurers are approaching growth opportunities in the US market.Join us as we celebrate the standout moments from 2024 and continue our countdown to the No. 1 episode of the year!To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.The countdown continues! As we approach the end of 2024, we're revisiting the Top 5 Most Downloaded Episodes of the Year on Making Risk Flow. This week, we're diving into No. 4, a fascinating conversation with Clive Buesnel, former CEO of Tysers and current Managing Partner, International at Insurance Advisory Partners.Whether you're revisiting this conversation or hearing it for the first time, it's an episode packed with forward-thinking insights that remain as relevant today as when it was first released.Topics Discussed:How carriers can harness data and technology to achieve greater efficiency.The emergence of a secondary insurance market for specialty risks—and why it's a game-changer.Key trends shaping the future of the insurance industry and what they mean for stakeholders.Join us as we celebrate the standout moments from 2024 and continue our countdown to the No. 1 episode of the year!To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.Welcome to a special end-of-year series on Making Risk Flow! As we count down the final weeks of 2024, we're revisiting the Top 5 Most Downloaded Episodes of the Year. Each Tuesday, we'll re-release one standout episode, starting with the fifth most popular and building up to the fan favourite at No. 1.To kick things off, we're thrilled to revisit a milestone moment: our 50th episode featuring Bob James, Chief Operating Officer of Lloyd's. This conversation captured the attention of thousands of listeners for its insightful exploration of how one of the world's most iconic insurance markets is driving digital transformation.In this episode, host Juan de Castro and Bob discuss Lloyd's ambitious Blueprint Two initiative, which aims to revolutionize the London insurance market through cutting-edge digital strategies. They also explore the challenges and opportunities of industry-wide change, including the role of core data standards in driving efficiency and innovation.Whether you're revisiting this conversation or hearing it for the first time, it's an episode packed with forward-thinking insights that remain as relevant today as when it was first released.Topics Discussed:How Lloyd's is pioneering digital transformation through Blueprint Two.The role of core data standards in the future of insurance.Lessons from other industries, like mortgage markets, on accelerating innovation.Why insurers don't always evolve at the same pace—and how they can overcome this.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro speaks with Johan Slabbert, an Independent Senior Advisor for Insurance Advisory Partners, to delve into the transformative impact of AI and data analytics on the insurance industry. With over 30 years of international experience, Johan has held key executive roles, including CFO for Latin America and the Caribbean at AIG and CEO positions at Augustus Specialty, Chaucer Group, MS Amlin, and MSIG Holdings. Johan's global journey has undoubtedly enriched his expertise across diverse insurance markets.Together, Juan and Johan explore the transformative role of AI in underwriting, particularly in managing the increasingly complex landscape of data integration. They discuss the balance between traditional data sources and new digital data streams and how AI-driven automation is unlocking more dynamic approaches to risk assessment. Johan also sheds light on the shift from simple system upgrades to broader, strategic transformations within insurance, emphasising how AI can support portfolio-level decision-making while reshaping the role of the underwriter.If you'd prefer to watch the episode instead, simply click here!To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Send us a textIn this episode of Making Risk Flow, host Juan de Castro speaks with Jillian Slyfield, the Chief Innovation Officer at Aon, a global leader in risk management and insurance solutions, helping organisations tackle complex risks with innovative, data-driven approaches. With years of experience at the forefront of technological change, Jillian has a unique perspective on how data is reshaping the insurance landscape and driving new opportunities for clients and insurers alike.Together, Juan and Jillian discuss Aon's three main strategic innovation focusses: enhancing data and analytics capabilities, advancing future mobility solutions, and driving digital transformation. Plus, the duo also cover Aon's billion-dollar investment in data architecture modernisation, the growing complexities of managing risk as vehicle technology evolves, the development of a digital marketplace aimed at streamlining interactions between brokers, carriers, and clients, and the enticing potential of AI and telematics. If you'd prefer to watch the episode instead, simply click here!To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Send us a textIn this special episode of Making Risk Flow, host Juan de Castro engages an esteemed panel of insurance industry experts during InsTech's recent Beyond Theory event in London. The panel features James Wright, Head of Technology at Beazley; Henrik Bjørnstad, Managing Director of National Markets at Markel International; and Jason Howes, Chief Transformation Officer at Allianz Insurance. Together, they explore the evolving landscape of commercial insurance, with a particular focus on digital transformation and its implications for underwriting processes.Juan prompts the panel to candidly discuss their transformation journeys, uncovering the distinct challenges each company encounters as they modernise operations and enhance customer experiences. James details Beazley's efforts to centralise operations for better SME client service, emphasising the importance of tailored underwriting for diverse risks. Jason outlines Allianz's ambitious strategy to digitise and simplify its services, underlining the need to meet rising customer expectations. Meanwhile, Henrik illustrates how prioritising workflow improvements has significantly boosted productivity and customer satisfaction in underwriting, especially in speciality lines. The discussion also delves into strategies for fostering a cultural shift among underwriters to embrace innovative digital tools.If you'd prefer to watch the episode instead, simply click here!To discover out more about digital risk processing, click here.Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Meet Heather. She's the powerhouse behind Pause for Change and co-creator of The Possibility Project. She's here to share her PAUSE Framework, a proven method for creating real, lasting change. This framework helps nonprofits co-create innovative solutions that truly serve their communities

Making Risk Flow is back for it's sixth season! In the first episode of the new series, host Juan de Castro speaks with Bettina Dietsche, Chief People and Culture Officer at Allianz Group, one of the world's largest and most diversified insurance and asset management companies. Bettina is a global executive with over 25 years of international experience in leading and managing business, sales, and operational divisions in the financial services, insurance, and IT industries.Together, Juan and Bettina discuss the intersection of technology, people, and culture in the ever-evolving landscape of commercial insurance. The pair also talk through how to foster a culture that embraces both digital transformation and personal development, the need for upskilling for the future via lifelong learning, and the importance of valuing and leveraging the experience of older employees while also embracing the innovation and dynamism of younger generations.If you'd prefer to watch the episode instead, simply click here!To discover out more about digital risk processing, click here.Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

What if the way we approach change is broken? Would you try something new?  Or stick to what you know? In this episode of Leveraging Thought Leadership, host Peter Winick sits down with Heather Hiscox, founder and CEO of Pause for Change and author of No More Status Quo: A Proven Framework to Change the Way We Change the World. Heather shares her journey of transforming frustration into a groundbreaking approach that's helping changemakers address tough challenges in the nonprofit, government, and philanthropic sectors. Heather's insights began with a simple yet powerful question: "Why aren't we working differently?" Years of seeing wasted efforts and weak results in the social sector pushed her to experiment. The result? The Pause framework—a tool for disrupting the status quo and creating meaningful impact. Her approach focuses on relationships, active listening, and rapid iteration, all built on a foundation of empathy and learning. Heather discusses how entrepreneurs often miss key listening skills, and how fear of "not being ready" keeps leaders from publishing ideas and moving forward. Instead, she encourages taking risks, learning in real-time, and embracing new methods to achieve different outcomes. Her clients—nonprofits, local governments, and philanthropic organizations—typically approach her for one of two reasons: something's broken, or they're unsure what's possible next. Heather uses her framework to guide them through the uncertainties, asking the right questions and driving real change. When it comes to marketing, Heather's strategy is driven by relationships and word of mouth. She's not just waiting for clients to find her—she's actively engaging them through LinkedIn, her online show The Possibility Project, and by knowing when to walk away from those who aren't ready to embrace her message. Heather's work is a call to action for leaders ready to stop settling for the status quo and start making the impact they've always envisioned. Three Key Takeaways: • Embrace new methods to create change: Heather emphasizes that traditional approaches in the social sector often fall short. To make real impact, leaders must ask different questions and take risks with new methods, like her Pause framework. • Relationships and listening are essential: Success hinges on building strong relationships and honing active listening skills. Whether in business or social change, empathetic listening and rapid iteration are key to solving complex problems. • Don't fear imperfection: Many leaders hesitate to publish content or make moves because it "isn't ready." Heather advocates for moving forward despite uncertainty, learning in real-time, and refining as you go. Heather has years of helping clients change how they think and work.  If you are a thought leader, speaker, or author is your work creating sustainable change?  Explore the topic more in this article by Peter Winick.

While we take a seasonal break over the summer, we're excited to bring you a special series of Greatest Hits episodes! These episodes highlight the most impactful discussions from past seasons of Making Risk Flow; offering both new listeners a chance to catch up on the essential conversations that have shaped our industry, and long-time followers an opportunity to revisit the insights that continue to resonate today. We hope you enjoy revisiting these highlights, and we look forward to bringing you new content soon.In this Greatest Hits episode, Juan is joined by Simon Cooper-Williams (Director of Portfolio Development Solutions at Markel International) and Jamie Wilson (Head of Pricing and Innovation at Hyperexponential). Together they discuss how the role of actuaries has evolved over the years, and how they work together with underwriters to achieve more dynamic and informed pricing decisions.To discover out more about digital risk processing, click here.Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

While we take a seasonal break over the summer, we're excited to bring you a special series of Greatest Hits episodes! These episodes highlight the most impactful discussions from past seasons of Making Risk Flow; offering both new listeners a chance to catch up on the essential conversations that have shaped our industry, and long-time followers an opportunity to revisit the insights that continue to resonate today. We hope you enjoy revisiting these highlights, and we look forward to bringing you new content soon.In this Greatest Hits episode, Juan discusses implementing ESG with Simon Tighe, Group Head of Investments, Treasury and Credit Risk at Chaucer Group, and Paul McCarney, Senior Director of Insurance Product Strategy at Moody's. Together, the trio talk through the relevance of ESG data in insurance, the need for standardised data, and how the industry can unite to create a more sustainable future.To discover out more about digital risk processing, click here.Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

While we take a seasonal break over the summer, we're excited to bring you a special series of Greatest Hits episodes! These episodes highlight the most impactful discussions from past seasons of Making Risk Flow; offering both new listeners a chance to catch up on the essential conversations that have shaped our industry, and long-time followers an opportunity to revisit the insights that continue to resonate today. We hope you enjoy revisiting these highlights, and we look forward to bringing you new content soon.In this Greatest Hits episode of Making Risk Flow, host Juan de Castro is joined by his good friend and Deputy CUO and Head of Third Party at Inigo Insurance, Craig Knightley. During their conversation, the pair discuss just how data analytics and insights can play a pivotal role in gaining a competitive advantage in insurance and ensure underwriters are more accurate in risk selection. Plus, Craig outlines the five pillars of Indigo's strategy: great data, great analysis, a great underwriting workbench, portfolio underwriting, and partnering with clients.To discover out more about digital risk processing, click here.Our previous guests include: Bronek Masojada of PPL, Simon McGinn of Allianz, Richard Coleman of Ecclesiastical, Steven Wilkins of Hiscox, Matthew Grant of InsTech, Philippe Lutgen of Howden, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's