While emerging distribution options could threaten the viability of insurers that are overly dependent on agents and brokers, they also represent opportunities to drive growth.

Carriers may have to consider some major adjustments in their business, operating, and investment strategies to maintain, let alone grow, their bottom lines in this Waiting for Godot environment.

Theres no shortage of money or tech tools being devoted to support cyber risk management at most financial services institutions, yet many are still struggling to stay ahead of hackers, a new study by Deloitte has revealed.

The insurance industry is facing a number of existential challenges, yet most insurers have been reluctant to reinvent their products and operations.

Small-business insurers need to enhance the services offered by their traditional agency channel to avoid losing market share to a growing number of online competitors.

Googles decision to shut down its aggregator website for auto coverage shouldnt prompt insurance agents to celebrate the victory of live intermediaries over Internet sales.

Small-business insurance carriers are grappling with whether to sell directly to consumers over the web, but they're fearful of undermining their existing distribution force.

When assessing the potential impact of technology in transforming their business, insurers should be focusing on the long-term opportunities and threats posed by emerging exposures.