5Insurance Business ReviewDECEMBER 2025STATE OF THE INDUSTRYCXO INSIGHTSCXO INSIGHTS162026SPECIALTY INSURANCEThe Evolving Role of Loss Adjusters in Europe's Digitised Insurance EcosystemThe Importance of Specialised Agencies for European Citizens22INSURANCE BROKERSandra Ahrabian,Chairwoman of the Supervisory BoardBAVARIA AGJoe Balsom,Head of Specialty18TOP EXPAT INSURANCE AGENCY IN EUROPE 2025John Paterakis, Founder and Managing DirectorinsurancelinePulse Insurance14Navigating Strategic Growth and Innovation in the Insurance SectorJoe Steidl,Head of UK Insurance Distribution,Invesco[NYSE: IVZ]2719Omnichannel Marketing to Drive Customer-Centric MindsetEvangelos Avramakis,Lead Corporate Foresight, Intelligence & Development,Swiss Re[SWX: SREN]Technology Enhancements Driving Innovation in Trade Credit and Accounts ReceivableMichael Kornblau, Marsh US Credit Specialties Business Development Leader, Marsh[NYSE: MMC]30Don't Leave Your Fintech Business Exposed to ThreatNick Rugg, Head of Fintech and Investment Management Insurance,Markel International34PALFINGER: Pioneering in Employee Benefits InsuranceGregor Sterrer,Group Insurance Manager,PALFINGER AG[VIE: PAL]36Managing Claims in Today's TimeMarina BIllinge-Jones,Group Insurance Manager,Severn Trent[LON: SVT]32Risk and Insurance Management in the Shipping and Cruising BusinessRocco Bozzelli,Head of Global Insurance,MSC Cruises23The Necessary Business Transformation of Companies to Face with the Uninsurability of Nat' Cat'Arnaud Bergauzy,Group Insurance Director,Groupe VIVESCIA
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