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.comThe insurance sector is steadily moving away from one-size-fits-all models as consumers demand products that respond to the volatility shaping modern life. Carriers are advancing beyond traditional underwriting to build offerings informed by real-time behavior, shifting economic conditions and a clearer understanding of emergent risks. Within the small-business space, service providers are modernizing how owners access and manage coverage. Digital interfaces paired with automated advisory features are reshaping how small businesses engage with insurers, creating a more intuitive way to stay informed and manage essential policy requirements.Across the broader risk-management landscape, technology is enabling a more proactive posture. Predictive modeling driven by AI-infused risk engines is helping insurers, advisors and business operators coordinate responses with less friction. As these platforms advance, the boundaries between product design, small-business support and risk oversight are becoming more fluid, forming a structure that better reflects real-world operating demands.This edition of Insurance Business Review underscores the accelerating shift toward technology-driven models and the influence this transition is having on decisions across the sector.It features thought leadership articles from industry professionals, including Penny Sturdevant, Director of Claims at STG Logistics and Clint Roszelle, Senior Director Enterprise Business Agility at Citizens Property Insurance Corporation[NYSE: CIA] They outline how today's evolving risk environment is pushing carriers to strengthen responsiveness across the insurance lifecycle.We hope this edition offers clarity on the shifts underway and encourages meaningful dialogue on how insurance stakeholders can move forward with confidence.Let us know your thoughts! Modernizing Insurance for Real-World DemandsVisualizersCelestial JordanChris LynnDECEMBER 15, 2025, Vol 04 Issue 18 (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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