It is said the only constant is change. During the course of its history, the insurance industry has experienced numerous business cycles, cruising slowly, cautiously and conservatively through soft and hard markets alike. Insurance executives steering their respective ships are accountable primarily to their respective boards of directors, which, hopefully, determined the leader's value to the organization during the interview process. Once on board, they apply their own management style to the organization's corporate objectives.

During this ongoing economic downturn, an executive's management style will be tested repeatedly. An insurance organization looks to the chief executive not just to steer the ship in the right direction, but to set the cultural tone, cadence of operations and to chart the path to future growth.

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