More than anything else, risk is at the core of the insurance business, and Teresa Cracas has made a career out of standing up to it.

For insurers, success in risk management has a key metric — combined ratio, which was below 93% for Cincinnati Insurance in the second quarter of this year, according to the company’s SEC filings. Cracas credits her success to her hard work behind the scenes, as well as that of her team members and peers in the business.

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