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1
Matteo Carbone
2
Nigel Walsh
3
Sabine VanderLinden
4
Roger Peverelli
5
Spiros Margaris
6
Denise Garth
7
Caribou Honig
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Florian Graillot
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Amy Radin
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Robin Roberson
11
Jason Keck
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Dr. Andrew Johnston
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Tony Coveney
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Tapan Singhel
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Stuart Tagg
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Sean Kevelighan
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Michael Fitzgerald
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Rachel A. Morrissey
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Efrat Fenigson
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David Schmaier
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Lisa Morgan
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Joanna Makomaski
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Peter Heard
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Simon Torrance
25
Denise Williams
25 Insurance & Risk Leaders Shaping the Global Profession in 2026
Recognising the founders, innovators, educators, and advocates who led the global insurance and risk management conversation between March 2025 and March 2026.
Insurance is the $7 trillion industry that most people interact with daily and understand almost not at all — and that asymmetry of knowledge and power has defined the sector's relationship with its customers for a century. The period from March 2025 to March 2026 was defined by three forces converging simultaneously: AI moving from pilot to production across underwriting, claims, and distribution; climate change making the actuarial foundations of property insurance increasingly unstable in exposed markets; and a new generation of InsurTech founders demonstrating that the model built in the 1800s does not have to be the model of the 2020s. The leaders on this list are the ones who, throughout the review period, shaped that conversation through books, podcasts, platforms, companies, and public voices that reach beyond their own organisations into the profession as a whole. The Industry Leaders evaluates candidates on LinkedIn presence and engagement, thought leadership output in the past 12 months, professional reputation, media visibility, community impact, and industry recognition.
About This List
Every year, The Industry Leaders identifies 25 insurance and risk leaders whose platforms and public voices are actively shaping how the industry thinks about technology, customer trust, climate risk, and the future of protection. Candidates are evaluated on current LinkedIn presence and engagement, thought leadership output in the past 12 months, media visibility, published work, speaking activity, and the demonstrable influence of their ideas on how insurance evolves for the people and organisations it serves. This is a list about practitioners who are making insurance better — not just bigger.
Top Insurance & Risk Leaders of 2026
1
Matteo Carbone
Based in Milan, Italy
Founder and Director of the IoT Insurance Observatory — the world's most important research community on connected insurance and usage-based insurance, tracking connected insurance programmes across 60+ countries — and the most data-driven and globally authoritative voice on what technology-enabled insurance underwriting and risk prevention actually looks like at scale. Author of The Insurtech Book chapter on connected insurance and contributor to multiple industry publications, keynote speaker at major global insurance conferences including Insurtech Insights and IIS, and active throughout 2025-2026 with research, writing, and speaking on AI in underwriting, telematics, and the shift from claims payment to risk prevention. His IoT Insurance Observatory's annual data on connected insurance programme adoption worldwide is the most comprehensive intelligence available anywhere on what the technology-enabled insurance industry actually looks like in practice, country by country.
2
Nigel Walsh
Based in Dublin, Ireland
Head of Global Insurance for Google Cloud, podcast host, author, and the most widely followed insurance technology voice in the UK and one of the most connected globally — someone who occupies the unusual position of simultaneously working for the world's most influential technology company in the insurance sector while maintaining a genuinely independent and engaging public voice. Active throughout 2025-2026 with his podcast, conference appearances, LinkedIn content, and writing on AI in insurance, cloud transformation, and what the technology-enabled insurer of 2030 looks like. His access — speaking with virtually every major carrier, InsurTech, and technology vendor in the global market through his Google Cloud role — gives his perspective on what is actually being built and deployed in insurance technology an authority that no independent analyst can match.
3
Sabine VanderLinden
Based in London, UK
CEO of Alchemy Crew — the growth ecosystem platform supporting emerging technologies in insurance and financial services — podcast host, author, startup advisor, and one of the most internationally connected and publicly engaged voices on InsurTech innovation, corporate venturing, and the intersection of technology and insurance. With over 25 years in insurance and financial services, VanderLinden's combination of practitioner depth, investor perspective, and prolific public communication makes her one of the most valuable connective tissue voices in the global InsurTech ecosystem. Active throughout 2025-2026 with speaking, writing, and community-building across InsurTech Europe and the US, she is the most internationally networked independent voice in insurance innovation.
4
Roger Peverelli
Based in Utrecht, Netherlands
Author, speaker, and consultant on digital customer engagement and innovation in insurance, partner at VODW consultancy, and one of the most practically useful voices on what genuine digital transformation in insurance requires beyond technology — specifically how insurers need to redesign their customer relationships for the digital era. Co-author of Reinventing Financial Services and Reinventing Customer Engagement, active throughout 2025-2026 with writing for Insurance Thought Leadership, speaking at major European insurance conferences, and consulting work with major carriers and InsurTechs. His research-grounded approach to insurance customer experience transformation, built on hundreds of case studies from carriers globally, makes him one of the most credible and practically useful voices on what customer-centric insurance actually looks like in deployment.
5
Spiros Margaris
Based in Rorschacherberg, Switzerland
Founder of Margaris Ventures, senior advisor and board member at multiple InsurTech and FinTech startups, keynote speaker, and consistently ranked the number one InsurTech and FinTech influencer by Onalytica — with one of the largest and most engaged professional followings in the global insurance technology space. Throughout 2025-2026, Margaris's LinkedIn content and social media presence on AI in insurance, InsurTech investment trends, and the future of the insurance industry continued to be among the most widely shared insurance technology commentary available. His combination of genuine investment experience — he has backed dozens of InsurTech startups — and prolific public communication makes him the most visible independent investor voice in the global InsurTech community.
6
Denise Garth
Based in Omaha, Nebraska, USA
Chief Strategy Officer at Majesco — one of the largest insurance software platforms in the world, serving over 350 insurers globally — and the most prolific producer of strategic insurance technology thought leadership in the industry, with hundreds of research reports, articles, and speaking engagements over the past two decades. Author of Majesco's widely read annual insurance industry outlook reports, active throughout 2025-2026 with writing and speaking on AI transformation, cloud modernisation, and what the digital insurer of the future looks like. Her combination of deep insurance technology experience, research productivity, and platform reach makes her the most consistently useful strategic thought leader for insurance executives trying to understand where the industry is heading and why.
7
Caribou Honig
Based in Richmond, Virginia, USA
Co-founder and Chairman of InsurTech Connect — which grew into the largest InsurTech conference in the world, bringing together over 7,000 attendees annually — and one of the most practically experienced voices on InsurTech investment, ecosystem building, and what the insurance innovation landscape looks like from the perspective of someone who has tracked and convened it for a decade. Active throughout 2025-2026 as an investor, speaker, and community builder, Honig's unique position having built the most important InsurTech gathering place globally gives his perspective on what is genuinely innovative versus what is incremental a credibility and comprehensiveness that no single investor or analyst can match. The person who has heard more InsurTech pitches than anyone else on earth.
8
Florian Graillot
Based in Paris, France
Founder of astorya.vc — one of the most active early-stage InsurTech venture capital funds in Europe — and one of the most prolific and publicly accessible InsurTech investors in the world, sharing detailed analysis of InsurTech funding trends, emerging business models, and investment theses through his widely followed LinkedIn presence. Active throughout 2025-2026 with writing, speaking, and investment activity across the European and global InsurTech ecosystem. His detailed, data-rich analysis of InsurTech funding rounds, business model evolution, and what is actually working in insurance innovation — shared publicly and regularly — makes him one of the most practically useful voices for both founders and carriers trying to understand the InsurTech investment landscape.
9
Amy Radin
Based in New York City, New York, USA
Author of The Change Maker's Playbook: How to Seek, Seed and Scale Innovation in Any Company, former Chief Innovation Officer at AXA and Citigroup, and one of the most practically experienced voices on what genuine innovation in large financial services and insurance organisations actually requires — as opposed to what they say they are doing. Active throughout 2025-2026 with writing for Insurance Thought Leadership, speaking, and advisory work on AI, change management, and innovation culture in insurance. Her direct experience building and leading innovation functions inside two of the world's largest financial institutions gives her critique of insurance innovation washing — the gap between innovation rhetoric and genuine transformation — an authority that outside consultants cannot match.
10
Robin Roberson
Based in Oklahoma City, Oklahoma, USA
Managing Director at the Demotech insurance financial stability ratings firm and one of the most respected independent voices on insurance company financial strength, particularly in the context of the property insurance crisis in climate-exposed US states. Active throughout 2025-2026 with public commentary on the Florida and California insurance market failures, the retreat of major carriers from catastrophe-exposed markets, and what the structural challenges facing property insurance in the climate era actually mean for consumers and the industry. His combination of deep actuarial and financial analysis expertise and willingness to speak plainly about uncomfortable market realities makes him one of the most practically trusted voices in US property insurance.
11
Jason Keck
Based in New York City, New York, USA
Co-founder and CEO of Broker Buddha — the insurance application automation platform — and one of the most openly communicative InsurTech founders on what building a technology company inside the insurance distribution system actually requires, including its frustrations and failures as well as its successes. Active throughout 2025-2026 as a speaker, writer, and LinkedIn voice on commercial insurance technology, distribution transformation, and what genuine modernisation of the agency and brokerage model requires. His willingness to discuss what doesn't work as openly as what does makes him one of the most genuinely useful and trusted voices for insurance technology professionals trying to understand the real challenges of InsurTech deployment.
12
Dr. Andrew Johnston
Based in Nashville, Tennessee, USA
Global Head of InsurTech at Gallagher Re — the reinsurance arm of Arthur J. Gallagher — and author of the Gallagher Re Global InsurTech Report, which is the most widely read and most rigorously researched quarterly analysis of global InsurTech investment activity and trends. Throughout 2025-2026, the Gallagher Re InsurTech report continued to be the essential reference document for InsurTech investors, founders, and insurers trying to understand where capital is flowing, which business models are gaining traction, and what the insurance innovation landscape looks like globally. Johnston's analytical discipline and the institutional credibility of Gallagher Re behind his research give his quarterly reports a weight and reach that no independent analyst can match.
13
Tony Coveney
Based in Dublin, Ireland
Chief Insurance Officer at Zurich Insurance Ireland, prolific LinkedIn voice on insurance innovation, AI, and leadership, and one of the most engaged senior insurance executives publicly sharing their thinking on what the digital transformation of the insurance industry requires from the inside. Active throughout 2025-2026 with daily LinkedIn content on AI in underwriting, the future of insurance distribution, climate risk, and what leadership in the insurance industry demands in the current era. His combination of senior practitioner experience and genuine willingness to share his thinking publicly — including on challenges and failures as well as successes — makes him one of the most valuable voices for insurance professionals looking to understand what transformation looks like from the perspective of someone doing it inside a major carrier.
14
Tapan Singhel
Based in Pune, India
MD and CEO of Bajaj Allianz General Insurance — one of India's largest private general insurance companies — and one of the most prolific and publicly engaged insurance CEOs in Asia, sharing daily content on insurance innovation, leadership, customer-centricity, and the social purpose of insurance with a large LinkedIn following that spans the global insurance community. Active throughout 2025-2026 with writing and speaking on making insurance accessible to underinsured populations in emerging markets, the role of technology in democratising insurance protection, and what purposeful insurance leadership looks like. His combination of CEO credibility, genuine social media engagement, and focus on insurance's potential social impact in Asia and emerging markets gives him a distinctive and important voice in the global insurance conversation.
15
Stuart Tagg
Based in London, UK
Founder and CEO of Arma Karma — the ethical subscription insurance platform that pioneered a model where unclaimed premiums are donated to charity rather than retained as profit — and one of the most original and values-driven voices in InsurTech on what a genuinely purpose-built insurance model looks like. Active throughout 2025-2026 as a speaker, writer, and community voice on purpose-driven insurance, the ethical dimensions of insurance business models, and what the next generation of insurance distribution looks like when trust and transparency are the core product. His model challenges the assumption that profit and customer benefit must be in conflict in insurance — one of the most important and under-discussed structural problems in the sector.
16
Sean Kevelighan
Based in Washington, D.C., USA
CEO of the Insurance Information Institute (Triple-I) — the most important public-facing research and communications organisation in the US insurance industry, providing the data, analysis, and public education that shapes how consumers, media, and policymakers understand insurance — and the most visible institutional spokesperson for the US insurance industry in public discourse. Active throughout 2025-2026 with media appearances, writing, and advocacy on insurance affordability, climate resilience, cybersecurity insurance, and what the insurance industry needs from the regulatory and policy environment to continue serving its societal purpose. His role as the public face of the US insurance industry's most trusted data and communications organisation makes him the most publicly visible institutional voice in American insurance.
17
Michael Fitzgerald
Based in Cary, North Carolina, USA
Technology editor and senior analyst at the Celent insurance research firm and a contributing writer for Insurance Thought Leadership, and one of the most consistently useful voices on technology adoption in insurance for the working insurance technology professional. Active throughout 2025-2026 with research, writing, and speaking on AI deployment in insurance, legacy system modernisation, and what the evidence actually shows about which technologies are delivering ROI in insurance operations. His research-grounded, vendor-neutral perspective on insurance technology — based on direct engagement with carriers deploying new systems rather than vendor marketing claims — makes him one of the most practically trusted voices for insurance CIOs and CTOs.
18
Rachel A. Morrissey
Based in New York City, New York, USA
Producer of The MoneyPot podcast — one of the most widely listened-to financial services and insurance podcasts globally — and one of the most consistently engaging and accessible voices on what the transformation of insurance and financial services means for consumers, professionals, and society. Active throughout 2025-2026 with regular podcast episodes featuring the most senior and knowledgeable voices in InsurTech, embedded insurance, and insurance distribution transformation. Her combination of genuine curiosity, excellent interviewing, and platform reach makes her one of the most practically important connectors in the global InsurTech community — someone who gives a large audience access to conversations that would otherwise stay inside conference rooms.
19
Efrat Fenigson
Based in Tel Aviv, Israel
Former CMO of Parametrix Insurance — the parametrix insurance platform — tech entrepreneur, podcast host, and one of the most thoughtful voices on the intersection of technology, risk, and emerging insurance models. Active throughout 2025-2026 with writing and podcast content on parametric insurance, InsurTech innovation, and the cultural and organisational transformation required for insurers to genuinely adopt new models rather than cosmetically modernising old ones. Her combination of InsurTech operating experience, technology background, and genuine intellectual curiosity about what insurance is for makes her one of the most distinctive and practically engaged voices in the global InsurTech space.
20
David Schmaier
Based in San Francisco, California, USA
Former President and Chief Product Officer at Salesforce — where he led Salesforce's industry cloud strategy including Financial Services Cloud — and now advisor and investor in insurance technology, with a particular focus on what cloud-native, AI-augmented insurance operations require at the platform layer. Active throughout 2025-2026 as an advisor to multiple InsurTech companies and a public voice on the technology architecture required to genuinely transform insurance operations. His background building enterprise software at Salesforce — and his specific experience with the insurance vertical — gives him a perspective on what technology transformation in insurance actually requires at the platform and data layer that most insurance-only voices lack.
21
Lisa Morgan
Based in Sedona, Arizona, USA
Independent technology journalist and contributing editor at InformationWeek, and one of the most consistent and practically useful voices on AI deployment in insurance for the technology professional audience — covering what is actually being built and deployed in production insurance systems rather than the vendor marketing claims that dominate much insurance technology commentary. Active throughout 2025-2026 with articles and features on AI in claims, underwriting automation, and digital transformation in insurance. Her vendor-neutral, evidence-based journalism provides the kind of grounded, sceptical analysis of what AI is actually doing in insurance operations that the industry needs more of.
22
Joanna Makomaski
Based in Toronto, Ontario, Canada
Insurance CEO, author, speaker, and one of the most candid and entertaining voices on what running an insurance company actually requires — including the leadership challenges, cultural barriers, and human dynamics that most insurance commentary politely ignores. Active throughout 2025-2026 as a LinkedIn voice, speaker, and writer on insurance leadership, talent development, and what the cultural transformation the insurance industry needs looks like from the perspective of someone leading it from the inside. Her directness and willingness to discuss the unglamorous realities of insurance leadership makes her one of the most distinctive and widely followed Canadian insurance voices.
23
Peter Heard
Based in London, UK
Chairman of the Chartered Insurance Institute (CII) — the world's largest professional organisation for insurance and financial planning professionals, with over 125,000 members globally — and one of the most senior voices on professional standards, ethics, and what raising the quality and trustworthiness of the insurance profession requires. Active throughout 2025-2026 with advocacy on professional development, consumer trust in insurance, and what the profession owes its customers in an era of increasing complexity and decreasing understanding. The most senior institutional voice on insurance as a profession with responsibilities to the people it serves, not just the companies that employ its practitioners.
24
Simon Torrance
Based in London, UK
Founder and CEO of AI Risk — the strategy and advisory firm working at the intersection of agentic AI and insurance — and one of the most forward-thinking voices on what AI agents specifically will do to and for the insurance industry. Active throughout 2025-2026 with writing for Insurtech Insights on agentic AI deployment in insurance, speaking at major conferences, and advisory work with carriers and technology companies building AI-native insurance infrastructure. His specific focus on agentic AI — where AI systems take autonomous actions rather than just providing analysis — and its implications for insurance operations, distribution, and risk assessment, gives him a distinctive and practically important perspective at the most consequential frontier of insurance technology.
25
Denise Williams
Based in Dallas, Texas, USA
Founder of Black Insurance Industry Collective — one of the most important initiatives in the US insurance industry to channel more Black professionals into leadership roles — and one of the most practically impactful voices on diversity, equity, and inclusion in the insurance profession specifically. Active throughout 2025-2026 with community-building, speaking, and advocacy on what a truly diverse insurance industry looks like and why it matters both ethically and commercially. Her work filling a gap in the profession's talent and leadership pipeline that insurers themselves consistently fail to address makes her one of the most consequential community builders in American insurance.
Congratulations to All 25 Honourees
Think an insurance or risk leader belongs on next year's list?
Selections are made at the sole editorial discretion of The Industry Leaders based on publicly available information. Inclusion or exclusion does not constitute an endorsement, and positions within the list do not reflect a definitive ranking of merit.