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.comEurope's insurance landscape is shifting fast. Volatile markets, climate-driven losses and evolving digital threats are redefining how insurers assess, price and manage risk. In this environment, underwriting is no longer about static models or once-a-year evaluations. It has become a dynamic discipline that blends data fluency, technical rigour and the ability to respond quickly when exposures change.Across the industry, clients want clarity and speed without sacrificing depth. They expect partners who can translate complex risk signals into straightforward guidance and build coverage that adapts as their operations evolve. This is pushing underwriting teams to modernise their toolkits, strengthen decision intelligence and operate with greater transparency.Consulting within the insurance sector is also undergoing its own reinvention. The emphasis has moved from theoretical recommendations to operational involvement. The most effective partners dive into the mechanics of risk programs, refine documentation, strengthen compliance pathways and help clients navigate increasingly granular regulatory requirements. They combine analytics with sector context, and support insurers as they recalibrate portfolios, expand into new classes and push for more resilient business models.Technology is amplifying this shift. AI-powered decision support, real-time risk mapping and integrated workflow systems are enabling underwriters to be faster and more precise. At the same time, customers are asking for stronger accountability, clearer communication and measurable value. As expectations rise, the distance between underwriting, advisory capabilities and enterprise strategy is shrinking.In this edition, we feature EXSEL Underwriting Agency on the cover, alongside insights from Rocco Bozzelli, Head of Global Insurance, MSC Cruises, and Stefan Stignas, Head of Customer Journey Management, SEB. We hope these insights help you make informed decisions as you navigate a rapidly evolving European insurance landscape.Let us know your thoughts. Underwriting Reinvented for Europe's New Risk EraVisualizersMichael WayneChris LynnDECEMBER 2025, Vol 04 Issue 16 (ISSN 2837-1763) ValleyMedia, Inc. To subscribe to Insurance Business ReviewVisit www.insurancebusinessreview.com Email:sales@insurancebusinessreview.comeditor@insurancebusinessreview.commarketing@insurancebusinessreview.comEUROPE
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