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President and Founder

Specialty Risk Management Inc.

Lago Vista, Texas

Age: 53

Where there is risk, there are people like Pamela Ritz, whose lengthy career has led her to develop and head her own company, Specialty Risk Management Inc., which provides risk management solutions to small, midsize and large organizations, including such global entities as Lloyd's of London.

She is responsible for introducing her company's national 1-800 hotline service, which has been expanded to include crisis management for food-borne illness and product recall claims on behalf of underwriters and her private client base.

The service has logged in excess of 200,000 inbound calls and is backed by an internally developed database system that allows her company's risk managers to be interchangeable when fielding a client problem, enabling any risk manager to interact with any client.

What would you change: "Insurance is a business solution. I wish more time and effort was spent on creating the right insurance solution and educating the insured on the value of the insurance product and whether it will deliver the desired solution, rather than just boiling it down to competitive pricing and landing the competitive deal. In insurance, you often get what you pay for."