An exploration of an evolving strategy to combat the biggest risk challenges facing society today by working to eliminate losses before they occur. Host Pete Miller, President and CEO of The Institutes, will examine what the transition to a Predict & Prevent strategy means, why it is urgently needed and how cutting-edge technology and resiliency are making it a reality. In each episode, leading experts and business leaders will share the tools and strategies they are applying and how they are overcoming challenges along the way.
Turning Risk Into Profit Through Strategic Loss Prevention
The insurance industry has spent decades refining how it responds to loss. A newer and more pressing question is whether it can get better at preventing loss in the first place, and what that shift demands from every player in the risk management chain. Rose Hall, founder and CEO of RH Business Ventures LLC, draws on her experience as a risk engineer and innovation leader at AXA XL to explain why today's rapidly expanding risk landscape — driven by climate, geopolitics, AI, and the data center boom — is forcing insurers, brokers, and corporate risk managers to get more creative about how risk is retained, transferred, and managed.
The conversation dives into why insurers are uniquely positioned to lead this change, why technology alone isn't the answer, and how genuine innovation means rethinking business models rather than iterating on old ones. Rose shares candid, real-world lessons on building client trust around data sharing, designing frictionless loss-prevention technology, and identifying the "hidden engine of profit" in strategically retaining the right risks. She closes with a thought-provoking look at the future, arguing that the winning carriers will act as holistic risk advisors—writing insurance as a byproduct of trusted guidance rather than the other way around.
Resources:
RH Business Ventures website: https://www.rhbusinessventures.com/ (https://www.rhbusinessventures.com/)
The Institutes: https://web.theinstitutes.org/ (https://web.theinstitutes.org/)
Predict & Prevent website: https://www.predictandprevent.org/ (https://www.predictandprevent.org/)
Sign up for our weekly Predict & Prevent newsletter: https://www.predictandprevent.org/newsletter/ (https://www.predictandprevent.org/newsletter/)
28 Aug 2026
Digital Threats Are Hijacking the Insurance Claims Process
Before a damaged roof ever becomes a filed insurance claim, something else is already happening. Public adjusters are buying search ads. Doppelganger websites are going live. Lead generators are positioning themselves to intercept confused policyholders the moment they turn to a search engine for help. This is the world Todd Kozikowski, CEO of 4WARN, is mapping, and the picture he paints in the latest episode of the Predict & Prevent podcast is one that most insurance carriers have never seen.
Todd details how 4WARN's outside-in approach differs from traditional claims analysis tools by monitoring trillions of public digital signals to act as an "early warning radar." He shares concrete client results, including a Louisiana insurer that saved nearly $9 million by cutting its litigation rate, and discusses emerging threats such as AI-driven search manipulation and internationally hosted fraudulent insurance sites. The conversation underscores a "predict and prevent" philosophy to get ahead of fraud, litigation, and brand abuse before they ever materialize into a claim or lawsuit.
Resources:
4WARN website: https://www.4warn.com/ (https://www.4warn.com/)
The Institutes: https://web.theinstitutes.org/ (https://web.theinstitutes.org/)
The Institutes Griffith Foundation: https://www.griffithfoundation.org/ (https://www.griffithfoundation.org/)
Predict & Prevent website: https://www.predictandprevent.org/ (https://www.predictandprevent.org/)
Sign up for our weekly Predict & Prevent newsletter: https://www.predictandprevent.org/newsletter/ (https://www.predictandprevent.org/newsletter/)
7 Aug 2026
How Big Data and AI Are Reshaping Insurance Oversight
Insurance regulation and technological innovation are often portrayed as opposing forces, but Wisconsin Insurance Commissioner Nathan Houdek sees them as complementary. In this episode of the Predict & Prevent podcast from The Institutes, Commissioner Houdek joined guest host Frank Tomasello, Executive Director of The Institutes' Griffith Insurance Education Foundation, for a wide-ranging conversation about how data, artificial intelligence, and collaborative public-private programs are reshaping how the insurance industry approaches risk.
Commissioner Houdek discusses the rise of loss mitigation tools such as drones, sensors, and programs to "strengthen homes," as well as the ethical imperatives and regulatory frameworks emerging around big data and artificial intelligence. He offers an inside look at the NAIC's multi-step AI regulatory journey while emphasizing that responsible innovation and consumer protection are not mutually exclusive. The conversation closes with a call for a new consumer mindset around personal risk management and a vision of collaborative public-private partnerships to keep insurance accessible and affordable.
Resources:
National Association of Insurance Commissioners: https://content.naic.org/ (https://content.naic.org/)
Center for Insurance Policy and Research: https://content.naic.org/research (https://content.naic.org/research)
Catastrophe Risk Management Center of Excellence: https://content.naic.org/research/catastrophe-modeling-center-of-excellence (https://content.naic.org/research/catastrophe-modeling-center-of-excellence)
The Institutes: https://web.theinstitutes.org/ (https://web.theinstitutes.org/)
The Institutes Griffith Foundation: https://www.griffithfoundation.org/ (https://www.griffithfoundation.org/)
Predict & Prevent website: https://www.predictandprevent.org/ (https://www.predictandprevent.org/)
Sign up for our weekly Predict & Prevent newsletter: https://www.predictandprevent.org/newsletter/ (https://www.predictandprevent.org/newsletter/)
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YouTube views
441,866
Score snapshot 15 Sept 2025
Apple Podcasts (US)
5.0 / 5
5 ratings
Podcast Authority Score: 57 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
Quality
66
Social presence
0
YouTube
86
Engagement
32
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