Last month we covered some of the drivers of change in ourbusiness and how information overload can result in the need to beinnovative. Now let's consider some of the areas of innovation inthe insurance world that may signal directions risk protectiondelivery will take in the future.

Observers look at the auto insurance business as an example ofhow online shopping is coming into insurance, with Google startinga service and such players as Progressive, USAA and Geico havingsophisticated and transparent product comparisons online.

But let's keep in mind there is a big difference between typesof insurance. For the most part, the states force you to have autoinsurance (or post a bond) and they keep track of your vehicleinsurance online, so when I enter my name and tell a carrier togive me a quote they can access one database that tells the makeand model of my cars and my coverage limits.

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