WHAT IS A DIFFERENCE MAKER?
Difference Makers is a quarterly multimedia series highlighting insurance and risk management professionals who display excellence and make positive impacts on the industry and community. Our mission is to showcase professionals who tackle loss during a crisis, advocate for education, and make a difference for the greater good.
Fellow Difference makers
Paul Gaglioti, CIC
CEO/ Harbor AI
President, Diversified Risk
Uncertainty that may be either positive or negative arising from a given set of circumstances. Common definitions also include: 1) chance or probability of loss, 2) uncertainty concerning loss, 3) possibility of a variation of outcomes from a given set of circumstances, and 4) difference between expected losses and actual losses.... More Solutions

William T. Hold, Ph.D, CIC, CPCU, CLU
President of The National Alliance for Insurance Education & Research
Cristina Pedraza-Martinez, J.D.,CPA, CIC
SVP Business
Includes trade, profession, or occupation. Development & Sales at Popular Insurance, LLC
