Manohar Pradhan is Vice President and Chief Technology Officer with responsibility for Insurance Products and IT operations at Cabrillo Coastal. He joined Cabrillo as a systems analyst in 2009 and grew his career through a series of leadership roles of increasing responsibility, including Assistant Vice President, Applications and Technology, Vice President, Applications, and Infrastructure Operations. In 2017, he was named Chief Information Officer and today he holds both CPCU and ARe designations. In this episode of the In The Know podcast, Manohar joins Chris Hampshire for a look at what it means to work for a coastal company in the insurance industry, the role of technology, data, and analytics, and what exactly the evolving future of the insurance industry might look like.   Key Takeaways Manohar’s first exposure to insurance was at a consulting firm in India. The intersection of the business and technology sides of insurance attracted Manohar to the industry. The motivation behind Manohar earning his CPCU designation. A day in the life of a Chief Technology Officer. Factors that contribute to the current crisis state of coastal property insurance. The data and analytics tactics that are driving better results in coastal property insurance. Proactive steps in resolving claims are made possible by data and analytics. A five-year look at the future of coastal property insurance, technological advances in insurance coverage, and mitigation standards. Manohar’s business and technology advice to his early career self.