7Insurance Business ReviewNOVEMBER 2025Copyright © 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 mid-market insurance firms thriving in 2025 aren't the ones chasing every AI gimmick or embedded insurance partnership. They're the ones that made governance interesting.Strategic success now hinges on how precisely firms navigate climate risk modeling, cyber exposure volatility and regulatory frameworks that shift faster than underwriting cycles. The ability to anticipate regulatory changes, embed ESG metrics into risk assessment and maintain data integrity across parametric products and usage-based policies has become the differentiator between resilience and irrelevance.Disciplined governance isn't overhead, it's infrastructure. When risk management, solvency planning and real-time data transparency operate as integrated systems, insurers gain the agility to launch new products, enter adjacent markets and respond to emerging risks without compromising stability. Firms treating compliance as an enabler rather than a burden are the ones deploying AI-driven claims processing, experimenting with parametric weather products and diversifying into longevity risk, because their operational foundation can handle complexity.The market validates this approach: multi-carrier annuity platforms are growing at 12.3 percent, specialty surety bonding at 6.6 percent, workers' compensation services at 5.4 percent, health plan TPAs at 5.5 percent and insurance management services at 10 percent.Boring done right is the most disruptive strategy available, in an industry where trust converts directly to premium revenue.This edition of Insurance Business Review explores how insurers and intermediaries are redefining operational excellence through disciplined execution and regulatory foresight. It features Casey Averett, Director of Claims Operations and Strategy at The General and Jim Wills, Vice President of Business Development- GRS at Gilbane Building Company, who share their perspectives on how data-driven discipline and strategic foresight are reshaping insurance and energy operations alike.We hope this edition provides actionable insights and strategic guidance for insurance leaders seeking to enhance operational discipline, strengthen stakeholder confidence and foster sustainable growth in response to evolving market and regulatory demands.Let us know your thoughts!Governance Precision and Agility in a Transforming Insurance LandscapeVisualizersMichael WayneVictor CruzNOVEMBER 2025, Vol 03 Issue 19 (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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