The balls value would be driven by two things: The teams 108-year championship drought and the number of wealthy Cubs fans who would be willing to fork over whatever it takes to own it.

While insurers have different strategies and paths to their future, we are convinced that InsurTech will be a big part of that future.

The 2016 Travelers Risk Index identifies medical cost inflation, increasing employee benefits costs and cyber risks as among the year's biggest concerns.

These advances will affect loss mitigation for complex construction and property risks in the future.