When you think of markets that are constantly innovating and evolving, the insurance industry would probably not come to mind.  In fact, the insurance industry as a whole has been notoriously slow to innovate.  Many of the current innovations in this sector have started from outside the industry and insurers have had to adapt and innovate just to stay in the game in some markets.  In this session, we have a panel of experts from the Retail, Travel/Hospitality, Banking/Lending, Auto, Telecommunications and Safety Devices markets that will explain how their markets are innovating and what impact these innovations might mean to the insurance industry.