5Insurance Business ReviewOCTOBER 2025STATE OF THE INDUSTRYThe Keys To Building a ResilientRisk Management FutureRoy Hock,Director of Risk Finance and Casualty Insurance,Valero Energy Corporation16Navigating the Insurance Maze: Redefining Insurance Renewals and Claims Handling Kimberly Clifford,Director, Claims Management, EMCOR Group, Inc.22Making Employee Benefits Clearer, Simpler and ValuedLaura M. Dilallo,Director of Compensation Benefits, National Express LLC30Futureproofing Claims Careers: Adapting to AI in InsuranceCade Williams,Assistant Vice President,Risk Management-Claims,Marriott Vacations Worldwide25WHY ARE PROPERTY INSURANCE PREMIUMS SO UNPREDICTABLE?Kelley Shapiro, Vice President, Risk Management, Lightstone34Risk Leadership in a Changing WorldMelora Copeland, Director of Insurance, Compass Group USA36Insurance Professionals are the Most DynamicMichele Adams,VP, Corporate Functions Finance & EDLC,Walmart[NYSE: WMT]32Independent Agencies as Pillars ofCommunity Prosperity14Designing Term Life Insurance for the On-Demand Generation28Reimagining Business Insurance in the Age of Volatility20IN FOCUS 10 - 11CXO INSIGHTSCXO INSIGHTSWysh24Alexander Matjanec, CEORyan Insurance 18Wally Wilson, CEO Top Term Life Insurance Service 2025Top Business Insurance Service 2025
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