5Insurance Business ReviewDECEMBER 2025STATE OF THE INDUSTRYCXO INSIGHTSCXO INSIGHTS1823302226TOP SMALL BUSINESS INSURANCE SERVICE PROVIDER 2025TOP RISK MANAGEMENT SERVICE 2025Reinventing Insurance Products and Services for the Phygital EconomyInsurance as Resilience Architecture for SMEsThe Changing Face of Insurance Risk Management in a Digital AgeMary Boyd,CEOHiscoxJames W. Barber, CEO and Senior ConsultantRisk Management International38Compassionate Leadership Driving Claims ExcellenceKari Adams,Senior Vice President, Claims,Physicians Insurance A Mutual Company40Empowering People to Deliver Exceptional Claims ExperiencesCharles Cerlen,Director Claim Management,Travelers42Risk Mitigation with Consistent Data ManagementRoy Hock,MBA, ARM, Director of Risk Finance and Casualty Insurance,Valero Energy Corporation[NYSE: VLO]44Insurance Professionals are the Most DynamicMichele Adams,VP, Corporate Functions Finance & EDLC, Walmart[NYSE: WMT]32A Leader's Journey to Transforming Claims with PurposeKimberly Clifford,Director, Claims Management,EMCOR Group, Inc.34The Strategic Discipline of Claims Leadership in an AI-Driven MarketJim Sorrells,Sales Director of Claims Services, DigitalOwl36Insights and Impact in Leading Claims with Strategy and CareErin Pfeiffer,Director of Claims,The Baldwin Group Construction Practice28What is Effective Financial Risk Management?Gilbert Asamoah,Credit Risk Manager, NiSource Inc.[NYSE: NI];Doctoral Candidate, Franklin University,Columbus, Ohio
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