Shifting from Reactive to Proactive
By Joe Anderson, CPCU, ARM AFSB, CBRA
Principal & Fractional Chief Risk Officer
At Fortify Risk Management, LLC (FRM), we’re watching a pivotal shift take shape across our industry, one that’s redefining what effective risk management looks like.
A recent Risk & Insurance article highlights how the traditional reactive model (responding after claims occur) is giving way to a proactive, predictive, and people-centered approach. This approach is poised to reshape risk, claims, and care management in 2026 and beyond.
Here are the key takeaways:
• AI isn’t replacing expertise, it’s empowering it: AI will reduce administrative burdens and enhance decision-making, allowing risk and insurance professionals to focus on strategic, high-impact work, rather than transactional tasks.
• Empathy Matters: AI will enable deeper empathy and strategic thinking by uncovering risks earlier and personalizing care.
• Early risk identification is game changing: Data driven insights within critical early windows can prevent injuries and reduce costs, shifting success measures from claims closed to risks prevented. This can look like better identification and tracking of near misses and on-injury accidents for workers comp, smart sensors reporting with “on-the-fly” remediation for your property risk, etc.
At Fortify, we believe this evolution perfectly aligns with our commitment to strategic risk mitigation, advanced analytics, and people-centered service. Moving from reactive to proactive isn’t just a trend…it’s the future of risk management.
Our team of risk and safety experts bring on average 30+ years of experience in Fortune 1000-type corporate environments. Working with companies like Flour, Disney, Idaho Power, Carnival Cruise Lines, Sunkist Growers, and Boise Cascade.
FRM delivers risk solutions that are tried and true. In partnership with the monitoring and reporting that AI can bring, it will accelerate your risk reduction efforts quickly to “Best-in-Industry” status!
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