Insurance Business ReviewDECEMBER 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 continues to operate under heightened pressure, shaped by cost volatility, emerging risks, and rising client expectations for speed, clarity, and accountability. This edition of Insurance Business Review examines how agencies and insurers are responding with disciplined execution, resilient operating models, and leadership grounded in practical outcomes rather than rhetoric. At the center of this issue is Eli Cohen Agency, recognized as Top Business Insurance Agency 2025. The firm's achievement reflects a clear operational philosophy built around speed, pricing discipline, and direct communication. By maintaining trusted, high-volume relationships with carriers and underwriters, the agency consistently delivers rapid turnaround times, even for complex placements. Its focus on real estate portfolios, combined with hands-on underwriting engagement, enables discretionary pricing advantages and tailored coverage structures. Just as importantly, Eli Cohen Agency has preserved a relationship-driven model in an era of consolidation, ensuring that clients deal directly with decision-makers who can advocate effectively on their behalf. CXO perspectives further ground this edition in real-world leadership. Steven R. Bauman, Head of Global Programs and Captive Practice in North America at AXA XL, outlines how captives have evolved into strategic tools for resilience, enabling organizations to manage volatility, fund emerging risks, and access broader risk expertise through strong partnerships. Ruben Pinto, Executive Director of Large Loss at Allstate, addresses claims complexity, emphasizing system design, early segmentation, and the balance between advanced technology and human judgment to deliver better outcomes during high-stakes events. Collectively, this issue underscores a simple truth. Sustainable leadership in insurance is built on execution, trust, and thoughtful adaptation. We invite readers to engage with these stories and insights as the industry continues to recalibrate for the challenges ahead.Recalibrating Insurance for a High-Pressure EraVisualizersMichael WayneChris LynnDECEMBER 23, 2025, Vol 04 Issue 21 (ISSN 2837-1763) ValleyMedia, Inc. To subscribe to Insurance Business ReviewVisit www.insurancebusinessreview.com Email:sales@insurancebusinessreview.comeditor@insurancebusinessreview.commarketing@insurancebusinessreview.com
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