When you’ve spent your career assigning financial strength ratings to insurance companies, you learn a thing or two about what holds companies back, and what pushes them forward.
Matt Mosher is a Strategic Advisor to Stonybrook Capital and the former CEO of AM Best Rating Services. He brings a rare, honest perspective on innovation and the importance of leadership and culture.
Matt doesn’t just talk about what’s possible, he names the patterns. He breaks down four types of organizations and how they approach change:
Innovation-Driven – Early adopters that experiment, aren’t afraid to fail and shape the future.
Reactive but Willing – Fast followers that move once others prove it’s safe.
Cautious – Firms that struggle to modernize and lack internal clarity on how to adapt. Often constrained by siloed teams and legacy systems.
Coasting on Historical Success – Firms stuck in a comfort zone that don’t feel the urgency to change. Makes them vulnerable to major tech transformations.
He’s clear on what separates those who adapt from those who don’t. We talk about:
Why innovation stalls and what to do about it.
How to build organizational confidence around AI and data.
What responsible leadership looks like under regulatory pressure.
The level of detail companies provide for their financial strength ratings is vast. Few people get a bird’s eye view with the depth that Matt has experienced.
This episode will help anyone leading AI or data transformation where the stakes are high, and the barriers are real.
