Bounce to winners | Bounce to methodology
Queens of protection
Girls are the powerhouses of America’s insurance coverage trade, numbering 1.7 million and comprising 54.9 % of the full workforce.
Nevertheless, this dominance doesn’t prolong into management roles, which is mirrored in Insurance coverage Enterprise America’s Elite Girls 2025 survey as 64 % of respondents really feel there’s a lack of girls leaders within the trade.
Information from the Bureau of Labor Statistics (BLS) confirms that girls are the vast majority of the workforce, other than these in C-suite positions the place they quantity solely 22 %.


Information from 2010 to 2023 additionally reveals that girls have made up the vast majority of professionals in roles akin to claims adjusters, appraisers, examiners, claims/coverage processing clerks and underwriters. It differs for gross sales brokers, the place ladies haven’t at all times been within the majority however have by no means dropped under 45.2 % of the full.
These historic developments make the achievements of IBA’s Elite Girls 2025 much more spectacular for navigating bias and structural boundaries to grow to be profitable leaders and executives.
The winners earned their place after their achievements and initiatives over the previous 12 months had been analyzed by an esteemed judging panel that included:
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Jessica Hanson Hanna, American Property Casualty Insurance coverage Affiliation
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Nancy Mellard, Affiliation of Skilled Insurance coverage Girls
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Jenna Kirkpatrick Howard, Lockton
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Joi Blume, GenStar Insurance coverage Providers
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Kathy Quintana, HUB Worldwide
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Jennifer Sharkey, Gallagher
Blume says, “Research present that when ladies are on the desk and in decision-making positions, the group fares higher total, particularly so far as financially and with so lots of our pale, male, and off colleagues getting older out of the trade and retiring, it is a pivotal time.”
One other factor that stood out for Blume was how the Elite Girls’s affect goes past their office.
“The group was proficient, they usually all look like excessive producers inside their organizations. We additionally noticed numerous issues like group involvement, volunteerism and people who find themselves properly revered, not solely within the trade however of their communities,” she says.
For Mellard, what’s spectacular was the Elite Girls’s dedication to champion others.
“They weren’t centered solely on their day-to-day job. With most of them, there was a reference to caring for the crew and anticipating others to advance.”
She additionally underlines the largest energy wanted to reach the insurance coverage trade.
“For sure, it’s empathy and that interprets to emotional intelligence. It lets you perceive clients and crew members higher.”
Mindsets of the USA’s ladies leaders in insurance coverage
Alliant Insurance coverage Service’s Kirsten Handel attributes her success to being sturdy. After starting her profession in underwriting, she moved on to the actuarial sector and is now shopper dealing with.
“Insurance coverage is all I’ve ever carried out, and I grew up via the ranks, and it hasn’t been simple,” says the senior vp. “There are at all times new issues to be taught, however the core fundamentals stay the identical, so being sturdy helps you get via. I used to be by no means the neatest, however I labored arduous to be taught, perceive, and adapt along with protecting my relationships and constructing new ones.”


“Rising a guide of enterprise or working a crew on daily basis is like being a firefighter as a result of shopper requests are available, or they’ve a loss and your crew wants assist. It’s a really high-paced atmosphere and it’s important to keep on prime of it”
Kristen HandelAlliant Insurance coverage Providers
Being resilient can also be one thing Rekha Skantharaja advocates. The CEO of Tangram Insurance coverage refuses to be put in a field and desires to indicate the trade that girls leaders are greater than token figures. If requested to an tackle a topic like work-life steadiness or self-care, she refuses.
“Every time I’m requested to present a keynote or converse on a panel round these matters, I politely decline to take part,” Skantharaja says. “My male CEO counterparts should not being requested to debate this stuff. They’re busy exposing their views on M&A and valuation developments, tech transformation and large information, the artwork of negotiation, and constructing the following $1-billion unicorn.”
An enormous a part of Skantharaja’s ethos is being brave as a frontrunner.
She says, “We’re at an inflection level for ladies on this trade and it’s time to lean deeply into the areas which have sometimes been guarded by the lads.”
Adaptability, resilience, and a client-focused mindset have all been key to enabling Catherine Lyle’s rise within the trade.


“My aim is to make the claims course of as environment friendly and supportive as doable. Staying modern isn’t non-compulsory – it’s important to offer worth to our purchasers and reply successfully to rising threats”
Catherine LyleTokio Marine HCC – Cyber & Skilled Traces Group
Now, as senior vp, and head of cyber claims and incident response at Tokio Marine HCC, she spreads that power amongst youthful colleagues.
“Fortunately, there are numerous superb ladies inside or getting into the trade, and that is one thing I’m obsessed with,” Lyle says. “I imagine in creating alternatives and providing steering to assist them navigate their careers. Mentorship is essential for constructing confidence, offering perspective, and empowering the following technology of leaders.”
Echoing the necessity to permit others to showcase their abilities underlines the management maturity of Danger Placement Providers’ (RPS) Sharon Novasel.


“I oversee our summer time interns and goal to broaden their views on the various profession alternatives throughout the insurance coverage trade”
Sharon NovaselDanger Placement Providers
“As a supervisor, I’ve discovered that empowering crew members to take possession of their tasks and roles has been key to our division’s success in reaching our targets,” she explains.
Being sturdy and profitable additionally includes understanding the necessity for private development. Refining her management model is one thing Christine Schneider, senior vp casualty claims at Arch Capital, locations a premium on.
She says, “I’m conscious of my weaknesses and know once I have to seek the advice of with colleagues and collaborate with a purpose to effectively discover a decision or execute on a aim.”
Consciousness and understanding easy methods to get probably the most from themselves is a high quality shared among the many Elite Girls 2025.
“My strongest qualities are my skill to strategically downside remedy, analyze conditions, weigh dangers, and make considerate selections which can be in one of the best pursuits of our shopper and/or the group,” provides Schneider.
Ryan Specialty’s Brenda Austenfeld has carved out a fame by setting requirements.
“My aim is for our crew to be the perfect, not simply in numbers or metrics, however in the best way we conduct ourselves and the extent of excellence we set.”
It’s been below a 12 months since Stephanie Peters took on the function of vp of shopper relations at RPS.


“All ladies in management ought to embrace being a task mannequin for feminine friends”
Stephanie PetersDanger Placement Providers
She has handled the problem of elevated duty of managing a crew and has launched new methods of working.
“I used to be beforehand ready the place I used to be comfy and stepped into a task that required me to adapt and embrace change. I’m happy with how I dealt with the transition, and I’m notably happy with the assist of my crew and the way the crew embraced the modifications.”
Resilience and dedication mark out the Elite Girls 2025, as they’ve needed to come via difficult circumstances instantly or battle structural bias.
IBA’s survey information reveals that 33 % of respondents imagine they might have achieved extra seniority in the event that they weren’t feminine.
Sharon Novasel relishes working at RPS, the place there’s a sturdy concentrate on range and fairness within the office, as she’s skilled the opposite facet. Her profession started throughout a time when ladies seldom occupied high-level positions.
She says, “I typically wasn’t taken critically, typically mistaken for the supervisor’s assistant, and was continuously dismissed and talked over in conferences. For instance, when interviewing an company for an appointment, I used to be continuously requested when my supervisor would make the choice, regardless that the choice was mine to make.”
Equally, Lyle can sympathize with not being proven the identical respect as her male counterparts.
“I might like to say that there have been no roadblocks and that everybody was supportive of a lady with a voice. Nevertheless, that was not the trail,” she says. “One of many largest challenges has been overcoming unconscious biases. Early in my profession, I needed to work arduous to make sure my voice was heard in rooms the place ladies had been underrepresented. These challenges additionally fueled my drive to excel and create pathways for different ladies within the trade.”
IBA Elite Girls 2025 decide Mellard acknowledges there are fewer boundaries for ladies than there have been traditionally. To proceed this pattern, she feels ladies need to be extra emphatic about their talents.
Mellard says, “There may be higher acceptance of broader talent units that girls deliver, however boundaries nonetheless exist as a result of too typically corporations are rewarding those that they know versus who you’re. I don’t assume right this moment it’s since you’re a lady versus a white man, however I do assume the barrier is ladies have to do a greater job to deliberately and confidently clarify their array of abilities.”
One other of 2025’s Elite Girls resonates with Nadia Hoyte, cyber nationwide apply chief at USI Insurance coverage Providers. She remembers being “second and third guessed” after which attaching a that means to that which chipped away at her confidence, earlier than she understood the place these views come from.
IBA decide Blume is happy to see how ladies leaders are breaking via and emphasizes how vital it’s to maintain the momentum.
She provides, “We’re actually at a crossroads, and I feel we want extra of our white male counterparts to grow to be allies and take a real curiosity in our success, to see us not simply as competitors, however an equally highly effective drive.”
Girls leaders in insurance coverage act as mentors
What is obvious from the Elite Girls cohort is how keen and ready they’re to information others. They create time of their schedules to make sure they’ll assist, educate and upskill the following technology of insurance coverage professionals, notably youthful ladies.
Alliant’s Handel has seen spectacular development figures in her area over the previous 12 months, which wouldn’t have occurred with out her crew.
“I’m very proud to be part of hiring and bringing on some new crew members but additionally mentoring a number of of them,” she says. “I’ve folks that have helped me from day one, and I nonetheless converse with them going again 27 years. I need to be that for the long run and pay that ahead. The relationships I’ve constructed and the belief I’ve garnered with a few of our newer folks, along with sustaining my purchasers, might be the factor I’m most happy with.”
The recognition of video conferencing has additionally strengthened Handel’s influence.
“It’s really expanded who you possibly can be taught from and who you possibly can mentor since you’re not simply with the folks inside your workplace. I’m working with folks in Florida, Atlanta, California, Boston, and assembly all these folks that I by no means actually would have labored with carefully.”
Lyle is one other who’s obsessed with being there for the “many superb ladies” getting into the trade.
“I imagine in creating alternatives and providing steering to assist them navigate their careers. Mentorship is essential for constructing confidence, offering perspective, and empowering the following technology of leaders,” she says.
One other who’s energetic in ushering the following technology via is Novasel.
She says, “As a mentor to many ladies in entry-level positions, I supply steering and encourage them to problem themselves, constructing their confidence and assertiveness, and fostering an equal enjoying discipline for everybody.”
Legacy of 2025’s Elite Girls
One other defining mark of this 12 months’s cohort is leaving an enduring influence. Regardless of being a minority within the C-suite, the winners are capable of implement methods that have an effect on not solely their organizations however the wider insurance coverage trade.
For Skantharaja, it’s instilling a tradition of accomplishment.
“My method to my profession and my life is to be grateful however at all times a little bit stressed. It’s best to depart issues higher than you discovered them and lift the bar,” she says.

Danger Placement Providers’ Karen McCarthy-Hawn promotes the should be guided by “an moral or ethical compass”.
The declare advocacy supervisor does this by making a collegial tradition.
“A lot of the obstacles could be overcome with collaboration and a willingness to implement the change wanted to take away the boundaries to success,” she says. “After I current any obstacles found within the claims or programs work product, I at all times anticipate to be an energetic participant in serving to discover options or to offer coaching to alter future outcomes.”
Regardless of developments in crew constructing, together with tech instruments and AI, there’s nonetheless a have to roll up the sleeves and work arduous. Handel resides proof and credit her success to by no means dropping sight of that.
She feedback, “Grit continues to be vital. I don’t assume there’s any magic capsule or methodology that takes that away. You continue to need to work arduous and stick with it.”

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