The word "innovator" is a noteworthy term. Its root hails back to the 1540s, with the derivatives innovare, novare or novation-to alter or to introduce something new. To the insurers on the following pages, innovation means bucking the status quo and, with business drivers firmly in place, daring to creatively use technology to improve how their organizations behave-internally and with its agents, its customers and the greater marketplace.

In this spirit, the Insurance Networking News' fourth annual INNovators Award winners represent the best of the best, having led or contributed to a business application or project that uses innovation to successfully drive business impact, technical impact or the innovation itself. These insurers don't claim to innovate in a vacuum; their "supporting cast" represents internal and external backing from internal and external business and technology communities.

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