Michael B.C. Fitzgibbon has had a varied 30-year career. As an underwriting manager with CNA, he oversaw a 100% increase in credit insurance GWP and launched automobile nationally in Canada, achieving ROE of 15%. Fitzgibbon led the healthcare and life sciences team at Marsh when his team won three national business development competitions and ranked in the top five business units for profit-centre contribution. As co-owner and president of a regional brokerage in Toronto, Fitzgibbon and his team increased NOI to just under 30%, enabling the sale of the firm to one of Canada’s largest insurers for above-market valuation. His philosophy is “If it isn’t broken, then break it!”. He is an instructor at The Insurance Institute of Canada, a member of the Chartered Insurance Professionals and has held designated underwriting authority with Lloyd’s and Munich Re.