The past year brought many highs and lows to the insurance industry. Technology and changing consumer demands have rattled traditional ways of doing business, while natural disasters have tested insurance markets. But despite the trials and tribulation, the industry has come out on top, well positioned for whatever the future holds. That’s largely due to the men and women featured on IBA’s sixth annual Hot 100 list. After receiving hundreds of nominations, IBA narrowed the list down to 100 movers and shakers whose contributions have helped shape the insurance industry over the past 12 months. From innovators at the forefront of developing products for the most specialized risks to insurtech leaders who are changing the way the industry does business, this year’s Hot 100 list represents the best and brightest the industry has to offer.