"We cannot expect different results if we continue to do the same thing over and over again," CRC Executive Vice President Emma Garner says of insurance-industry recruitment efforts and workplace cultural initiatives. (Photo: Tomertu/Adobe Stock)

At 19 years old, Emma Garner joined the insurance industry when she was hired as the first female broker by London-based brokerage Cooper Gay, where she placed U.S. catastrophe property reinsurance and wholesale business into the London market.

Emma Garner is executive vice president of CRC, where she focuses primarily on difficult-to-place property risks. (Provided photo) Emma Garner is executive vice president of CRC, where she focuses primarily on difficult-to-place property risks. (Provided photo)

In 1996, she moved to Cooper Gay's New York office on a 2-year assignment that became permanent when the firm opened a wholesale operation there.

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