According to an S&P Global Market Intelligence report published last year, the percentage of Black employees in the insurance industry is up from 9 percent in 2010 to 12.4 percent in 2019. While, yes, it’s an improvement, the numbers are still quite abysmal. But Ashley Hunter, founder and managing director of HM Risk Group, hasn’t let the lack of representation stop her from turning her boutique insurance and risk management firm into a leader in the development of niche insurance products. The founder recently spoke toWorthabout how HM Risk Group is changing the insurance game and what type of impact she hopes to have on the world.