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2019 Break Out Awards, South: Megan Fletcher

Megan Fletcher


Underwriting director, subcontractor default insurance

Axa XL, a unit of Axa SA


Age: 36

Megan Fletcher joined Axa XL in 2012 to help grow the insurer’s subcontractor default insurance program, which manages the specific needs of large commercial builders. Ms. Fletcher oversees a team of nine risk engineers, all with the goal of helping the insurer’s policyholders improve their loss-prevention efforts, from improving their subcontractor selection process to diving into insurtech solutions — technology that she says will continue to change the construction business.

What is the No. 1 concern in your specialty?

I think the biggest concern is the viability of the product and making sure that we can do things differently or better.

How do you see your job changing over the next 10 years?

We are going to see a whole different product for SDI, different offerings, with what is changing in construction and technology. We are partnering with certain construction technologies to mitigate loss and help with risks they face day to day. We want to offer something that better analyzes that risk, mitigates it, and then prices it. The product line will look different.

What surprised you about the insurance industry?

That it’s fun. It’s such a small-family feel. Everybody knows everybody. People have hopped around jobs. You will keep running into the same people.

What is your favorite app or gadget?

I travel a lot for work, so Waze is my favorite app. When you are in a foreign city, it comes in handy when you need to catch a flight and navigate traffic.

What would you/do you binge watch?

My husband and I try to watch certain shows together. We are way behind on “Game of Thrones.”

What is your favorite meal?

Definitely Mexican food. Tex-Mex more specifically.


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