Insurance has traditionally focused on responding to losses after catastrophic events occur. However, advances in catastrophe technology are making it possible to identify risk before an event and take action to reduce potential losses. As climate risk continues to increase, the insurers that will stand out will be those that move beyond traditional claims management towards prevention-led commercial and specialty insurance. In this session, Tom Philp explores how technological advances are enabling discounted premiums for policyholders who invest in resilience measures, dedicated prevention teams, and a new generation of anticipatory and hybridised insurance products that reduce losses while strengthening resilience.