The insurance industry is constantly changing. Customers’ expectations and needs evolve, and new risks emerge, inspiring us to innovate.
It’s an exciting time – with change comes opportunities to deliver improved service, explore new ideas to ensure we’re offering the agencies we support and the policyholders we protect the best options to meet their needs and exceed their expectations.
Our Focus
We’re focused on being the best company serving independent agents. All our innovation efforts – from our teams of forward-thinking associates to our carefully curated external networks – are guided by that mission. We recognize the value of startups and look to facilitate continued growth by collaborating with startups that:
- Use big data to improve underwriting
- Identify and prevent or mitigate risk
- Harness digital marketing and analytics to help agents grow their business
- Make it easier for our agents and their customers to do business with us
Our Innovation Ecosystem
As members of BrokerTech Ventures, based in Des Moines, Iowa, and Plug and Play Tech Center, in Silicon Valley, we get a first-hand view of emerging insurtech, brokertech and fintech startups. We are also members of the RiskStream Collaborative, actively participating in two blockchain use cases.
We’ve partnered with the University of Cincinnati to lease space at their 1819 Innovation Hub, which includes innovation teams from Cincinnati’s leading companies. We opened an Innovation Studio at our headquarters in Fairfield, Ohio, to foster new ideas. Associates who are working on innovation ventures spend time in both venues.


Our Success Stories
Collaborating with startups is important to us. We want to solve challenges facing our company and the industry to better fulfill our mission to be the best company serving independent agents.