At its core this industry is so conservative that even the ultra-conservative city-state it calls home once a year seems radical in comparison.
Just look at this place and how quickly it embraces change in contrast to us.
"Hey, let's demolish the Sporting d'Hiver and block the Hermitage from Casino Square!" the establishment exclaims.
"Why not?" respond the people.
There were a few online protests about its obscure and almost completely unloved neo-soviet architecture, but the populace knuckled under and will soon get used to what replaces it.
So will we - eventually - when we get over the idea that we might have to evolve ossified annual plans. For a global industry we are remarkably sedentary. Collectively, I think we all secretly seek renewal as expiry.
Our ultimate fantasy would be a programme that has no underlying exposure changes, no rating changes, and of course, no losses. The icing on the cake would be that, despite such great virtues, the grateful client has no desire for a discount each year.
We latched onto an International Union of Marine Insurers conference in 1956 and, while the mariners have moved every year in the intervening 59 since, with the help of an entrepreneurial government our market has stayed to help prolong Monte Carlo's high season for another week.
Why should that be? Well, I expect that because our essential product is to sell the removal of other people's volatility, we naturally crave stability in all things.
Let's not forget that the marine insurers are the best and most copious buyers of reinsurance - they're great customers who buy down to almost nothing. No wonder they feel they can globetrot and face the world - they know they are covered. In contrast, we write mostly for our own account and secretly live in fear of the actuarially remote.
So what's happening in the land that might prefer for time to stand still?
A revolution is happening, that's what. No wonder we aren't really happy.
Topics that would get no airplay if we had just had a $150bn storm season year are getting a huge amount of attention. These are other people's fortes, not ours.
Yet despite our natures we are reluctantly pioneering new cover - be it cyber, solar cell efficacy or whatever bankers and brokers can cook up to make us to take more exposure off their balance sheets and put it onto ours.
Perhaps somebody will dare develop the reinsurance as a service concept? How about we predict when and how hard losses are going to hit and pay out before the event happens, and maybe we should pay even if it doesn't happen?
Hey, why stop there? Our business is all about bringing capital to risk, so why don't we just deposit cash on every street corner? Those that have insurable losses should simply help themselves - that is the ultimate capital efficiency - and there is clear straight through processing!
The trouble with pioneers is that they tend to get arrows shot at them, and many die of incurable diseases. Despite our soft market need to be down with the kids, we secretly know we are right to be cautious and we want to tread carefully.
If only we could just find one renewal as expiry - but that would be as pleasant as it is unlikely.
To read the last of our Monte Carlo dailies please click here.
Mark Geoghegan,
Editor-in-Chief,
The Insurance Insider