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 staff.Editorial StaffAaron Pierce Ava GarciaAlex D'Souza Abhinov PunnakkalJoshua ParkerSarah FernandesEditorialRaven McguireManaging Editoreditor@insurancebusinessreview.comRisk is no longer a passive consideration in how US businesses plan, invest, and scale. It has become a strategic variable influencing decisions across industries. As a result, business insurance is evolving into a dynamic instrument for resilience and continuity. The market is moving beyond traditional loss transfer toward intentional risk design, where insurers and risk advisors help organizations anticipate disruption, influence operational behavior, and sustain performance under pressure.Technology is accelerating this shift. Advanced analytics, artificial intelligence, and data-driven modeling are redefining underwriting, claims management, and pricing. These capabilities allow insurers to assess exposure with greater precision while delivering faster, more responsive service. At the same time, cyber threats, digital supply chains, and data integrity concerns have pushed insurance closer to core operations, elevating it to a board-level priority. Coverage is increasingly paired with preventive and advisory services, blurring the line between insurance products and enterprise risk infrastructure.External volatility is further reshaping the landscape. Climate-related events, geopolitical uncertainty, and systemic concentration risks are testing traditional insurance models. As loss patterns grow more complex and capacity tightens in certain markets, organizations are turning to parametric solutions, customized risk transfer structures, and advanced retention strategies. This evolution is driving more sophisticated combinations of commercial insurance, self-insurance, and capital planning, all requiring deeper analytical and consulting expertise. Risk management consulting in the US is expanding well beyond compliance. Leading firms are now embedded in strategic decision-making, helping organizations integrate risk into governance, technology investments, and long-term growth plans. Insurance and consulting are converging to enable businesses to operate confidently in a world of structural disruption.This edition highlights the expert perspectives of Bob Selle, Vice President at Ocean State Job Lot, and Roy Hock, Director of Risk Finance & Casualty Insurance at Valero[NYSE: VLO]. These esteemed professionals share their invaluable insights on developments and challenges within the sector, along with possible solutions.We hope the valuable insights from industry leaders featured in this edition will help you make informed decisions for your businesses.Let us know your thoughts!Redesigning Risk in US Business Insurance and ConsultingVisualizersCelestial JordanChris LynnDECEMBER 16, 2025, Vol 04 Issue 20 (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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