Its common knowledge that due to a host of reasons, smaller insurers, municipal risk pools, captives and self-insured groups are hesitant to adopt new technology and thereby adapt their business processes for continuous improvement. We know that some of these reasons are beyond their control, but we also know that many of these companies exist in a culture exemplified by “its always been done this way;” plus, the idea of making a significant change (to cloud computing from mainframe, for example) represents a risk too big to manage.
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