Insurance Business ReviewDECEMBER 20254IN MY OPINIONLAST WORD0838Complacency: The Risk of RoutineRoy Hock, Director Risk Finance & Casualty Insurance, Valero[NYSE: VLO]COVER STORY 12Bob Selle, Vice President, Ocean State Job LotFrom Risk Management to People-First Culture TransformationFarhad Hanasab, CAPI, President and FounderHANASAB INSURANCE SERVICESPERSONALIZED INSURANCE SPECIALISTS FOR WEALTH AND LIFESTYLETOP BUSINESS INSURANCE AND RISK MANAGEMENT CONSULTING SERVICE 2025
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