Every business has to manage uncertainty and risk, but the insurance industry faces a particularly turbulent future. As threats such as natural disasters and cyber-risks proliferate, insurers need bold strategies to continue doing what they do best: predicting risk and protecting against it. At the same time, major digital disruption and evolving customer expectations are further upending the industry landscape. In response, insurers must reassess their operating models, revamp their core systems, and uplevel their data strategy to protect their own enterprise while driving innovation and growth.