We saw and felt the impact of a myriad of crises in 2022. From spikes in cybercrime, to uncharacteristically catastrophic natural disasters, to the growing use of social media as a news source, the insurance industry had to rise to occasion after occasion to advise clients on the best path forward through risk-induced scenarios. Whatever the case, 2022 came with no shortage of risk, and those risks are likely to evolve well into 2023 and beyond. It sounds daunting, but every risk and insurance professional knows that risk brings plenty of opportunities to adapt and evolve to better serve their clients and grow their business.