The insurance industry has long been built on reacting to loss. But a new paradigm is emerging — one where data, AI, and connected technologies enable insurers, MGAs, and their clients to predict risk before it materializes and intervene before a claim is filed. This panel brings together voices from across the risk ecosystem to explore how predictive analytics, IoT, behavioral data, and risk-tech innovation are shifting the model from indemnification to prevention. We'll examine what "predict and prevent" looks like in practice, where the business model tensions lie, and how insurers can build the partnerships and platforms needed to lead this shift.