“Brokers and agents, for a long time, said the insurance companies are becoming irrelevant because they’re really not leaning into risk, they’re not providing what we need to bring to our clients and they exclude more than they cover,” she said. “To be relevant to our clients and to the brokers and agents working with those clients, you have to be willing to take risk, but you have to do that in an educated, technical way, so that you’re there when the thing does go wrong, and you build trust with your client and your broker or agent.”