As climate disasters, cyberattacks, and geopolitical instability increasingly intersect, traditional insurance models are reaching their limits. AXA is shifting from simply paying claims after disasters to actively helping to prevent losses before they happen.
Pierre du Rostu, CEO of the AXA Digital Commercial Platform, discusses his team's risk management platform with Pete Miller, CEO of The Institutes and host of the Predict & Prevent podcast. The AXA Digital Commercial Platform is the winner of the International Insurance Society’s Global Innovation Award for Predict & Prevent, awarded at the 2025 IIS Global Insurance Forum in Rüschlikon, Switzerland.
The conversation explores how AXA's Digital Commercial Platform leverages advanced technologies like AI and real-time data to predict and prevent potential losses. Du Rostu discusses the concept of polycrisis, where multiple risks are interconnected, and how AXA is shifting its business model from traditional insurance to a more proactive partnership approach with clients. The discussion highlights the importance of innovation in the insurance industry and the future of risk management.
Resources:
AXA Digital Commercial Platform: https://axaxl.com/axa-digital-commercial-platform
Global Innovation Awards: https://www.internationalinsurance.org/global-innovation-awards
The Institutes: https://global.theinstitutes.org/
Predict & Prevent website: https://www.predictandprevent.org/
Sign up for our weekly Predict & Prevent newsletter: https://www.predictandprevent.org/newsletter/
Most insurance policies follow a familiar pattern: you purchase coverage, file it away, and hope you never need to use it. But what if your insurance company could prevent a disaster from happening in the first place? That's the premise behind Coalition, a cyber insurance provider that's turning the traditional insurance model on its head by combining coverage with real-time threat detection and response.
Joshua Motta, CEO of Coalition, discusses the innovative approach of active insurance in the realm of cyber risk management. He explains how Coalition differentiates itself from traditional insurance models by providing continuous value and proactive risk management through data collection and real-time threat detection. The discussion covers the importance of the company’s active data graph, the alignment of interests between Coalition and its clients, and the unique challenges faced by industries such as manufacturing. Joshua also shares insights on the future of cyber threats and the evolving landscape of digital risks.
Resources:
Coalition: https://www.coalitioninc.com/
Coalition’s roadmap: https://www.coalitioninc.com/blog/why-we-founded-coalition
The Institutes: https://global.theinstitutes.org/
Predict & Prevent website: https://www.predictandprevent.org/
Sign up for our weekly Predict & Prevent newsletter: https://www.predictandprevent.org/newsletter/
While traditional climate models predict where disasters occur, Faura's technology—trained on over a century of property data—identifies which homes are more likely to survive wildfires, hurricanes, floods, earthquakes, and hail. Partnering with insurance companies, Faura replaces expensive inspections with quick homeowner self-assessments, providing actionable recommendations from simple weekend fixes to major improvements.
Valkyrie Holmes, CEO and co-founder of Faura, describes how the platform focuses on "survivability" rather than traditional weather prediction, helping insurance carriers verify property information while engaging policyholders in meaningful education about their risk. Through self-assessment tools that cover major peril the company has created a unique partnership model that benefits both insurers seeking better data and homeowners wanting to understand and mitigate their risks. Holmes discusses how this approach leads to better retention rates, more accurate underwriting, and ultimately safer communities through actionable mitigation strategies.
Resources:
Faura: https://www.faura.us/
The Institutes: https://global.theinstitutes.org/
Predict & Prevent website: https://www.predictandprevent.org/
Sign up for our weekly Predict & Prevent newsletter: https://www.predictandprevent.org/newsletter/
Faura's platform focuses on "survivability" rather than traditional
weather prediction, helping insurance carriers verify property information
while engaging policyholders in meaningful education about their risk. Through
self-assessment tools that cover five major perils—wildfire, hurricane, hail,
flood, and earthquake—the company has created a unique partnership model that
benefits both insurers seeking better data and homeowners wanting to understand
and mitigate their risks. Holmes discusses how this approach leads to better
retention rates, more accurate underwriting, and ultimately safer communities
through actionable mitigation strategies.
What if the same sensor protecting your home from electrical fires could also help prevent billion-dollar wildfires that devastate entire communities? That's the fascinating premise explored in the latest episode of the Predict & Prevent podcast, where host Pete Miller welcomes back Bob Marshall, CEO and co-founder of Whisker Labs, for a conversation about how individual home protection is evolving into grid-scale catastrophe prevention.
In this conversation, Pete and Bob discuss the growth and impact of Ting, a home monitoring system developed by Whisker Labs. They explore the rapid deployment of Ting in over a million homes, its effectiveness in preventing fires, and new research that demonstrates the positive ROI for insurance carriers. Bob shares insights on how Ting's growing network and data can help utilities monitor grid stress and prevent wildfires. The discussion also touches on the future of Whisker Labs, potential expansion into commercial structures, and the importance of changing the relationship between insurance companies and homeowners through proactive safety measures.
Resources:
Whisker Labs: https://www.whiskerlabs.com/
Research on value of IoT to Homeowners, Insurers: https://www.whiskerlabs.com/how-effective-are-loss-prevention-programs-for-insurers/
Bob Marshall on Episode 2 of Predict & Prevent: https://www.predictandprevent.org/podcast/hidden-dangers-uncovered/
The Institutes: https://global.theinstitutes.org/
Predict & Prevent website: https://www.predictandprevent.org/
Sign up for our weekly Predict & Prevent newsletter: https://www.predictandprevent.org/newsletter/
Recent catastrophic events have left many insurance carriers questioning whether traditional building practices can withstand increasingly severe weather patterns, while homeowners struggle with rising premiums and reduced coverage options.
New research from the University of Alabama provides compelling evidence that resilient construction standards not only protect homes during major storms but also deliver measurable financial benefits to property owners.
Dr. Lars Powell, director of the Center for Risk and Insurance Research at the University of Alabama, joins Pete Miller, CEO of The Institutes, to discuss how the findings offer a data-driven roadmap for addressing one of the insurance industry's most persistent challenges.
Dr. Powell shares insights into how FORTIFIED homes performed during Hurricane Sally, revealing surprising findings about damage claims and the frequency of trees falling on houses. The conversation also covers the positive reception of the research, the challenges in promoting resilience, and the keys to Alabama's success in implementing resilience measures. Powell emphasizes the need for further research into risk mitigation and the economic implications of disaster recovery.
Resources:
Center for Risk & Insurance Research website: https://crir.culverhouse.ua.edu/
Alabama’s 2025 FORTIFIED research: https://crir.culverhouse.ua.edu/2025/05/19/performance-of-ibhs-fortified-hometm-construction-in-hurricane-sally/
Insurance Institute for Business & Home Safety: https://ibhs.org/
The Institutes: https://global.theinstitutes.org/
Predict & Prevent website: https://www.predictandprevent.org/
Sign up for our weekly Predict & Prevent newsletter: https://www.predictandprevent.org/newsletter/
As artificial intelligence reshapes the insurance landscape and climate-related disasters become increasingly frequent, regulators face the complex challenge of fostering innovation while protecting consumers. This episode of the Predict and Prevent podcast explores these pressing issues through the lens of a regulatory leader navigating these very challenges.
Scott A. White, commissioner of the Virginia State Corporation Commission's Bureau of Insurance and president-elect of the National Association of Insurance Commissioners (NAIC), discusses how regulators are encouraging innovation while establishing necessary guardrails in the latest episode of the Predict & Prevent® podcast from The Institutes with guest host Frank Paul Tomasello, executive director of The Institutes’ Griffith Insurance Education Foundation.
The conversation explores how regulators are adapting to advances in AI and predictive modeling, particularly in property and casualty insurance rate-making. White discusses the regulatory community's focus on ensuring transparency, preventing discriminatory outcomes, and protecting data privacy while supporting industry innovation. He also highlights the growing emphasis on resilience and mitigation strategies, including state-level programs that provide incentives for consumers to adopt loss prevention measures. The discussion concludes with White's perspective on the durability of the state-based regulatory system and his outlook for the future of risk management and insurance.
Resources:
Virginia Bureau of Insurance: https://www.scc.virginia.gov/consumers/insurance/
National Association of Insurance Commissioners: https://content.naic.org/
The Institutes Griffith Educational Foundation: https://www.griffithfoundation.org/
The Institutes: https://global.theinstitutes.org/
Predict & Prevent website: https://www.predictandprevent.org/
Sign up for our weekly Predict & Prevent newsletter: https://www.predictandprevent.org/newsletter/
While traditional insurers continue retreating from wildfire-prone areas, leaving property owners scrambling for coverage, one
company is taking the opposite approach by combining cutting-edge analytics with mitigation-focused strategies.
Green Shield Risk Solutions is tackling the wildfire insurance crisis head-on, proving that with the right technology and expertise, these risks can be successfully managed rather than simply avoided.
Pat Blandford, CEO and founder of Green Shield Risk Solutions, discusses how his company addresses the growing challenge of insurers retreating from wildfire-prone areas by combining sophisticated analytics with proactive mitigation strategies. Unlike traditional approaches that focus primarily on predicting fire likelihood, Green Shield's Property Guardian platform emphasizes making properties insurable through detailed risk assessment and targeted mitigation recommendations.
Blandford shares compelling success stories from the recent Los Angeles wildfires, where properties following their mitigation recommendations survived while surrounding areas were devastated. The discussion also covers the company's expansion plans into other catastrophic risks and the broader ecosystem of stakeholders needed to build truly resilient communities.
Resources:
Green Shield Risk Solutions: https://www.greenshieldrisk.com/
Property Guardian: https://www.propertyguardian.com/
Technosylva: https://technosylva.com/
The Institutes: https://global.theinstitutes.org/
Predict & Prevent website: https://www.predictandprevent.org/
Sign up for our weekly Predict & Prevent newsletter: https://www.predictandprevent.org/newsletter/
For decades, workplace safety management has followed a frustratingly reactive pattern: wait for accidents to happen, implement fixes, and repeat. Innovative wearable technology is now breaking this cycle by capturing critical environmental and motion data that enables safety professionals to address hazards before injuries occur.
Gabriel Glynn, CEO and Founder of MākuSafe, talks with host Pete Miller, CEO of The Institutes, about how a conversation with his father, a safety manager who was frustrated with the reactive nature of his job, inspired him to create technology that helps safety professionals become proactive instead of reactive.
MākuSafe's wearable devices collect environmental and motion data in real-time, giving safety managers actionable insights to prevent accidents before they happen rather than simply responding after incidents occur. The conversation explores how MakuSafe's technology works, the impressive results their customers have achieved, and how the right organizational culture is crucial for successful implementation. Gabriel also provides fascinating real-world examples of how the data collected has helped companies identify unexpected workplace hazards and make simple but effective changes that dramatically improve safety outcomes.
Resources:
MākuSafe website: https://makusafe.com/
The Institutes: https://global.theinstitutes.org/
Predict & Prevent website: https://www.predictandprevent.org/
Sign up for our weekly Predict & Prevent newsletter: https://www.predictandprevent.org/newsletter/
How the insurance industry is promoting a shift in disaster mitigation through science-backed building standards and state-level partnerships to make homes more resilient is discussed in “Building Resilience: From Rooftops to Results,” the latest episode of the Predict & Prevent podcast from The Institutes.
Roy Wright, President and CEO of The Insurance Institute for Business & Home Safety (IBHS), joined Pete Miller, CEO of The Institutes, to explore the role of insurers and consumers in making homes and communities safer.
Roy talks about the IBHS FORTIFIED program and its success in Alabama, as well as the newer Wildfire Prepared Home initiative. He explains how these programs have evolved, their impact on reducing insurance claims, and the critical role of state partnerships in driving adoption. Roy also talks about how proper building standards and retrofitting can significantly reduce property damage and disruption to people's lives during severe weather events. The challenge of getting more states to adopt modern building codes is also discussed. And Roy talks about future initiatives focused on roof durability and performance.
Resources:
The Institute for Business & Home Safety: https://ibhs.org/
FORTIFIED home designation: https://fortifiedhome.org/
Wildfire Prepared Home: https://wildfireprepared.org/
Rating the States: https://ibhs.org/public-policy/rating-the-states/
The Institutes: https://global.theinstitutes.org/
Predict & Prevent website: https://www.predictandprevent.org/
Sign up for our weekly Predict & Prevent newsletter: https://www.predictandprevent.org/newsletter/
In an era where gun violence continues to plague American society, how one innovative technology company is stepping up to address this persistent challenge is the focus of “AI on Guard: Stopping Gun Violence Before It Starts,” the latest episode of the Predict & Prevent podcast from The Institutes.
Host Pete Miller, CEO of The Institutes, talks with Timothy Fallon, VP of Strategic Initiatives at ZeroEyes, on how artificial intelligence and human verification are being combined to create proactive solutions for gun violence prevention.
Tim discusses the company's mission to prevent gun violence through advanced AI technology that detects firearms in real-time. He explains the operational process of detection, verification, and alerting relevant authorities, emphasizing the importance of human analysts in assessing threats. The discussion also covers the impact of ZeroEyes on school safety, the technology behind their solutions, and their partnerships with the insurance industry to provide comprehensive safety measures. Tim shares insights on the future of ZeroEyes and the critical role of technology in enhancing public safety.
Resources:
ZeroEyes: https://zeroeyes.com/
Lloyd’s Lab: https://www.lloyds.com/news-and-insights/lloyds-lab
Lloyd’s Lab Americas Cohort: https://www.lloyds.com/about-lloyds/media-centre/press-releases/lloyds-lab-announces-insurtechs-joining-first-ever-americas-based-cohort
The Institutes: https://global.theinstitutes.org/
Predict & Prevent website: https://www.predictandprevent.org/
Sign up for our weekly Predict & Prevent newsletter: https://www.predictandprevent.org/newsletter/
Technology and innovation are increasingly being applied to manage the growing threat of wildfires. Pete Miller, CEO of The Institutes, welcomes Bill Clerico, founder of Convective Capital, to discuss how early-stage firetech companies are making a difference in improving community resilience, mitigating risk and enabling a safer and faster response to fires.
Bill shares his personal experience with wildfires and how it led him to start Convective Capital, a venture capital fund that invests in early-stage wildfire technology companies. Bill highlights the three main problems these startups are solving: building resilient landscapes, creating fire-adapted communities, and ensuring safe and effective response. He provides examples of companies in each category, such as BurnBot for resilient landscapes, Fire Aside for fire-adapted communities, and Pano for safe and effective response. Clerico also emphasizes the need for greater collaboration among stakeholders, including utilities, insurers, and regulators, to address the challenges of wildfire prevention and mitigation. Finally he shares some ideas on how insurers can fund pilots to capture data that could save billions down the road by reducing wildfire risk.
Resources:
Convective Capital: https://www.convectivecapital.com/
BurnBot: https://burnbot.com/
Fire Aside: https://www.fireaside.com/
Pano: https://www.pano.ai/
OnSight Technology: https://onsightops.com/
Red Sky Summit: https://redskysummit.com/
Insurance Institute for Business & Home Safety (IBHS): https://ibhs.org/
Predict & Prevent website: www.predictandprevent.org
Sign up for our weekly Predict & Prevent newsletter: www.predictandprevent.org/newsletter
Nationwide Insurance is working to improve property resilience through risk mitigation, technology adoption, and advocacy for building codes. Mark Berven, president and COO of Nationwide, talks about the importance of shifting from a reactive approach to a "predict and prevent" mindset in the insurance industry, especially amid changing weather patterns.
Berven discusses Nationwide's efforts to increase property resilience and advocacy for wider adoption of building codes in the U.S. He
shares insights from Nationwide's commercial lines protection survey, highlighting the concerns and impacts of severe weather on businesses. He also discusses various technologies that Nationwide is evaluating and implementing to prevent losses. Berven also talks about the role of agent partners in promoting resilience, and how insurer support for the Insurance Institute for Business & Home Safety is producing valuable research into resilience and risk mitigation.
Resources:
Nationwide website: https://www.nationwide.com/
Ting by Whisker Labs: https://www.whiskerlabs.com/
Kinetic: https://kineticcomp.com/
Insurance Institute for Business & Home Safety: https://ibhs.org/
Predict & Prevent website: https://www.predictandprevent.org/
Sign up for our weekly Predict & Prevent newsletter: https://www.predictandprevent.org/newsletter/
With a rich history spanning nearly 160 years, Hartford Steam Boiler Inspection & Insurance Co. has evolved from a think tank focused on preventing steam boiler explosions to a leader in engineering, technology, and insurance solutions. Hear John Riggs, Chief Technology Officer and Head of Applied Technology Solutions, share how HSB is deploying advanced technology to deliver what it calls a "connect and protect" risk management strategy.
Riggs shares insights into HSB's approach to technology-enabled risk prevention and protection, highlighting the company's focus on sensor solutions, risk solutions, and data solutions. The conversation
explores HSB's collaborative ecosystem, upcoming product innovations, and the impact of technology on loss prevention. HSB is partnering with tech giants like Amazon to develop advanced sensor technologies, including an exciting new credit card-sized sensor that could transform property protection. Join us as we uncover how HSB is leveraging IoT, data solutions, and strategic partnerships to stay at the forefront of the industry and better serve its clients.
Resources
Hartford Steam Boiler (HSB) website
Ting by Whisker Labs
Amazon Sidewalk network
Predict & Prevent website: www.predictandprevent.org
Sign up for our weekly Predict & Prevent newsletter: www.predictandprevent.org/newsletter
Hear how Liberty Mutual is helping its clients prevent losses through data-driven strategies and the careful application of technological innovations. Pete Miller, CEO of The Institutes, welcomes Dorothy Doyle, Senior Vice President and General Manager of Risk Control Services for Liberty Mutual, to talk about how risk control is being enhanced and expanded today.
Dorothy talks about using risk assessments to redesign workflows and reduce losses. How risk control is evolving thanks to real-time indicators and emerging technologies. How Liberty Mutual leverages data scientists and predictive analytics to unlock hidden insights and help clients make informed business decisions. The importance of conducting statistically sound pilot programs to evaluate technological innovations before widespread implementation. And she talks about the importance of having a safety culture that drives clients to prevent losses and lower their cost of risk. Dorothy also highlights various technologies, such as machine learning, collaborative robotics, and wearable sensors, that are transforming the way businesses approach risk control.
Resources:
Liberty Mutual Risk Control website: https://business.libertymutual.com/services/risk-control/
Liberty Mutual’s Workplace Safety Index: https://business.libertymutual.com/wp-content/uploads/2023/08/WorkplaceSafetyIndex_WP.pdf
Predict & Prevent website: www.predictandprevent.org
Sign up for our weekly Predict & Prevent newsletter: www.predictandprevent.org/newsletter
Learn how one company is leveraging artificial intelligence and computer vision to not only improve workplace safety, but also to transform
the traditional workers' compensation insurance model. Pete Miller, CEO of The Institutes, talks with Josh Butler, CEO and Founder of CompScience, about how a focus on preventing losses creates a better outcome for insurers, brokers, employers and employees.
Josh shares his journey from working on self-driving car technology to founding CompScience, a company that uses AI and computer vision
to enhance workplace safety and reduce costs for businesses through a unique "active insurance" model. Josh discusses inspiration for the company. How safety recommendations are lowering accidents. The benefits to brokers of an enhanced workers’ comp policy. How CompScience differs from other safety tech. Plans to expand in general liability and construction sector. Why an MGA model helps adoption. The ROI in insurance of preventing losses.
Resources:
CompScience website: www.compscience.com
Predict & Prevent website: www.predictandprevent.org
Sign up for our weekly Predict & Prevent newsletter: www.predictandprevent.org/newsletter
Using advanced flood modeling technology to predict when storms and heavy rains will cause severe surface flooding can give businesses and communities the early warning they need to protect their assets, deploy mitigation efforts and get out of harm's way.
In this episode of the Predict & Prevent podcast, Pete Miller, CEO of The Institutes, talks with Dr. Avi Baruch, co-founder of Previsico, a company that provides early warning systems for flooding. Avi discusses the risk of flooding, with a focus on surface water or pluvial flooding, which is the largest flood risk and one that often catches people off guard.
Pete and Avi discuss the main types of flooding and how they impact preparedness. How Previsico's flood warning system differs from government warning systems. How Previsico's solution predicts surface flooding using event-specific modeling and sensors. The company’s expansion to the U.S. and globally. Integrating with insurers and their risk management services. Challenges and opportunities for insurers and their customers as they shift emphasis on prevention. And the importance of communication between insurers and their customers to effectively mitigate risks.
Resources:
Previsico website: https://previsico.com/
Predict & Prevent website: www.predictandprevent.org
Sign up for our weekly Predict & Prevent newsletter: www.predictandprevent.org/newsletter
Preventing distracted driving can dramatically reduce the volume of vehicle collisions, saving lives and reducing claims costs.
In the latest episode of the Predict & Prevent podcast, Pete Miller, CEO of The Institutes, sits down with Dr. Stefan Heck, CEO and Founder of Nauto, to discuss the future of transportation safety and the role of AI in preventing collisions. Stefan shared insights into Nauto's mission to reduce collision rates by two-thirds and provide invaluable data for insurers, vehicle manufacturers and companies with commercial fleets.
Pete and Stefan discuss why driver distraction is Nauto’s focus. How collision statistics undercount the prevalence of distracted driving. The role of AI and deep learning in collision prevention. Nauto’s technology and methodology. Challenges and opportunities with insurance integration. And the future of automotive safety.
Resources:
Nauto website: https://www.nauto.com/
Predict & Prevent website: www.predictandprevent.org
Sign up for our weekly Predict & Prevent newsletter: www.predictandprevent.org/newsletter
Where are advances in technology taking data and analytics and enhancing our ability to prevent potential losses? In this episode, host Pete Miller, CEO of The Institutes, talks with Nancy Greco, a Distinguished Engineer with IBM Research, about the evolution of risk data and artificial intelligence to predict and prevent losses that can disrupt operations. In the second half of the episode, Miller sits down with Matthew Kahn, President of Risk & Insurance, to review some of the key takeaways from the first season of the podcast and moderates an ask me anything (AMA) segment with Miller.
Segment 1: (02:30) In the first segment, Pete and Nancy discuss her career and role at IBM, the drivers shaping the evolution of risk data, a shift in focus to loss prediction, using Boston Dynamics’ robotic dog Spot in data collection, the advances brought by AI in data analysis, the promise of foundation models of AI, and achieving real-time loss intervention through AI.
Segment 1: (28:24) In the next segment, Pete and Matthew reflect on how the topics covered in season 1 of the podcast align with real world challenges, a growing emphasis on risk prevention, technological advances that aid risk management, the advantages of real-time data, the evolving landscape of insurance, the need for community and industry collaboration, demonstrating the ROI of adopting prevention tech, and the future of the predict and prevent model. They also field questions from our audience on predict and prevent.
A focus on prevention is just as critical to the success of a nearly 200-year old property insurer and its customers, as it is for a robotics startup that eliminates the fuel that allows wildfires to spread. In this episode, Pete talks with Randy Hodge, executive vice president, staff insurance operations for FM Global, and Anukool Lakhina, CEO and co-founder of BurnBot, about how each organization applies research and technology to proactively mitigate climate risk and make businesses and communities more resilient.
Segment 1: (01:52) Pete and Randy discuss how FM Global was founded on a belief that most losses are preventable, the benefits of pairing risk engineering with research, ideal customers aligned with insurer's philosophy of loss prevention, creating resilience credit to mitigate climate risk exposures, expanding suite of climate risk data and insights, adopting aerial imagery and AI for remote risk analysis, and the importance of investing in research to stay ahead of evolving risks.
Segment 2: (27:59) Pete talks with Anukool about personal wildfire experience that led he and his wife to create Wonder Labs, charting the intersection between disasters and emerging technology, using BurnBot’s advanced robotics to scale fuel treatment, the imbalance in resources for prevention vs. recovery, increasing investment in wildfire prevention innovations, and how insurance can incentivize fuel breaks and fuel treatments to harden landscapes.
Whether it’s making a community more resilient to disasters or helping an employer to reduce accidents in the warehouse, having the right data is key to focusing prevention efforts where they will have the greatest ROI. Join Host Pete Miller as he talks with Daniel Kaniewski, Managing Director-Public Sector of Marsh & McLennan and former deputy administrator of FEMA, and Alex Senemar, CEO and Co-Founder of Voxel AI, on how they are each working to transform the status quo and make communities and employees safer, and reduce the toll of paying for preventable losses.
Segment 1 (2:25): Pete and Daniel discuss a foundation of preparedness, mitigation and insurance, how FEMA shifted its focus to resilience from recovery, growing financial support for pre-disaster hazard mitigation, identifying other stakeholders vested in resilience, the importance of incentives, communicating the ROI of resilience, and the urgent need to close the resilience gap.
Segment 2 (21:59): Pete and Alex talk about the inspiration for Voxel AI, integrating artificial intelligence and computer vision technology within existing workflows, a comprehensive view of safety risks and hazards in real time, capturing near misses to identify preventable losses, effectively measuring improvements in safety, and building collaborations to inspire and reward safer behavior.
