2008 was a year that will be remembered as one of great economic turmoil and disruption where new leaders emerged and changed the competitive landscape by embracing disruption as an opportunity for innovation. It has happened before with companies like Progressive, Norwich Union, Microsoft, Google, Apple, Ameritrade, Amazon and more leading the change. It is a year of embracing change and forgetting the adage of “business as usual”. It is a year that forced the insurance industry to redefine the future! The insurance industry faces significant challenges due to this economic crisis. The status quo will not be accepted or viable due to the depth and breadth of disruption. The significant loss of capital, decreased earnings and valuations, tarnished brands and reputation will have far reaching implications for the industry.
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