How much can we learn from our disruptive friends when it comes to transforming our typical or some might say outdated work environment. Google, Facebook, Amazon and the others all seem to have created workplaces that are proven catalysts for collaboration and creativity.

We certainly need to look at Twitter’s in house yoga room, Google’s in house massage's, and similar concepts to see what fits insurance. Can we go as far as offering 20% of an employee’s time purely for working on their own creations like Google?  I'm sure once we get this right the innovation growth in our industry will be exponential.