No one will be surprised to read the insurance industry has a significant diversity hurdle. Unlike several of its professional service industry peers, our industry is late to the idea that diversity, in all its forms, makes for good business.

However, the insurance industry faces historical diversity challenges that are stifling much needed innovation. Some of these challenges are systemic and will ease with time, while solutions to others require new thinking for an industry facing a host of hurdles as well as opportunities.

Here are four diversity challenges that are stifling insurance industry innovation:

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