"Back in the day, the businesses oftentimes determined what we thought the customer needed. Henry Ford once said: 'You can have any color car you want, as long as it's black.' That thinking has flipped on its head. Any business which isn't obsessed with understanding the customer needs and wants will eventually be obsolete," says Phil Kalin, of Pinnacol Assurance. (Credit: Pinnacol Assurance)

From health care to private schools and technology startups, Phil Kalin had a winding career path that led to his current position as CEO of workers' comp-focused Pinnacol Assurance, a company he will retire from in March 2022.

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Steve Hallo

Steve Hallo is managing editor of PropertyCasualty360.com. He can be reached at [email protected]