Navigating Change - Change is constant but the basics stay the same

Our industry has a lot of talk about disruption, digital tools and transformation.

And don’t get me wrong, I’m all for it.

But in my three decades working across broking, underwriting and insurance strategy (in markets as diverse as the UK, Australia and the Pacific), some things haven’t changed.

And honestly?

They’re the things that still matter most.

Here’s what I’ve learned that still holds true.

1. Underwriting is ultimately about trust

Data matters. Models help but when the pressure’s on, people still want to know: “Who made this decision?” Experience matters, especially in small markets where relationships last decades.

2. Strategy has to connect to real-world underwriting

I’ve sat in both rooms: the boardroom and the branch office. And I’ve seen how often strategy gets lost in translation. My role now? To ensure that underwriting teams and senior leadership are actually aligned so the portfolio moves in the right direction.

3. Broker influence is massive—and often under-managed

If you don’t track who’s driving your book, you’re not in control of your portfolio. I’ve seen what happens when one broker moves their book and when a carrier’s caught off guard.

4. Tools are only as good as the decisions they support

Exposure tracking, pricing models and reinsurance structures are all critical. However, someone still needs to interpret them, communicate clearly and make calls under pressure. That’s where experience counts.

5. Calm is underrated

In every crisis I’ve worked through—earthquakes, leadership transitions, portfolio shocks, there’s one thing clients have valued most: steady, honest guidance. A safe pair of hands who doesn’t overreact but doesn’t sugarcoat either.

Today, I run a specialist consultancy working with insurers who don’t have in-house strategy teams but who want the same level of insight and rigour as the big players have.

If you’re an insurer navigating change, risk concentration or growth challenges—let’s talk.

Because the right strategy doesn’t need to be complicated. It just needs to be grounded, experienced and built for your market.