Insurance Business ReviewAUGUST 20256Copyright © 2025 ValleyMedia, Inc. All rights reserved. Reproduction in whole or part of any text, photography or illustrations without written permission from the publisher is prohibited. The publisher assumes no responsibility for unsolicited manuscripts, photographs or illustrations. Views and opinions expressed in this publication are not necessarily those of the magazine and accordingly, no liability is assumed by the publisher thereof.Managing EditorRaven Mcguire*Some of the Insights are based on the interviews with respective CIOs and CXOs to our editorial staffEditorial StaffAaron Pierce Ava GarciaAlex D'Souza Abhinov PunnakkalJoshua ParkerSarah FernandesEditorialRaven McguireManaging Editoreditor@insurancebusinessreview.comThe insurance industry is undergoing accelerated growth, with independent wholesale brokers, commercial insurance service providers and reinsurance brokerage firms driving the momentum. This surge is being fueled by a convergence of powerful tech trends. Digital innovation is transforming how firms operate and interact with clients, making processes faster, smarter and more accessible. AI-powered underwriting is enabling more precise risk assessment, reducing turnaround times and improving profitability. Embedded insurance is creating new revenue streams by integrating coverage directly into digital platforms and customer journeys. Meanwhile, climate risk is reshaping how insurers and reinsurers model exposures, pushing the industry to rethink long-standing assumptions about frequency, severity and protection strategies.This edition of Insurance Business Review brings recent developments in the wholesale, commercial and reinsurance spaces, offering insights into how the industry is adapting and advancing in the changing landscape. It features thought leadership articles from industry experts, including Roy Hock, director of risk finance and casualty insurance at Valero and Ruben Pinto, director of large loss casualty, Allstate who share their insights on industry trends, challenges and the road ahead.It also features Holborn, a fully employee-owned reinsurance brokerage firm that specializes in designing customized, data-driven reinsurance programs for U.S. property and casualty insurers. We hope this edition provides valuable perspectives and practical insights to help you navigate the shifting terrain of insurance and risk management with greater clarity, confidence and strategic focus. Let us know your thoughts!The Forces Redefining InsuranceVisualizersMichael WayneChris LynnAUGUST 2025, Vol 04 Issue 07 (ISSN 2837-1763) Published by ValleyMedia, Inc. To subscribe to Insurance Business ReviewVisit www.insurancebusinessreview.com Email:sales@insurancebusinessreview.comeditor@insurancebusinessreview.commarketing@insurancebusinessreview.com
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