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Two decades ago, there was a nascent Internet that was largely undeveloped. In the succeeding 20 years, it has grown, along with a level of interconnectedness in everyday life that was previously unfathomable. (Photo: iStock)

The business of insurance is one of risk management — of reducing risk, mitigating loss and making people and entities whole again.

Previously, all risks were traditional in nature. That changed, as the world continued to change. Two decades ago, there was a nascent Internet that was largely undeveloped. In the succeeding 20 years, it has grown, along with a level of interconnectedness in everyday life that was previously unfathomable.

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