In Part 2 of a series of articles on innovation in insurance, “The Hardest Part of Innovation in Insurance Isn’t Technology; It’s Culture,”Haden Kirkpatrick offers some remedies to fix incentives, governance and rituals within insurance companies that drag down innovation efforts.

Here, he delivers two bonus tear sheets to help insurance leaders put the insights into action: a long-term playbook and a 90-day plan to start a cultural turn.