AI data centers and renewable energy investment alone could produce roughly $200 billion in cumulative commercial property and casualty premiums through 2030, according to Swiss Re Institute.

More than half of digital health executives expect their businesses to shrink in the next year as cyber, AI and regulatory risks increasingly overlap, according to Beazley.

A look at this year’s Health Care Theo Award winners.

A look at this year’s Education Theo Award winners.

A look at this year’s Construction Theo Award winners.

A look at this year’s At Large Theo Award winners.

By tackling litigation, medical delays, and return-to-work barriers simultaneously — and doing it across 33 semi-independent city departments — Los Angeles transformed a workers’ compensation program that had become reactive and adversarial into one that is collaborative, faster, and genuinely centered on employees.

By bringing an athletic trainer onto its safety team, HEI Civil transformed how it manages workplace injuries — reducing claims, cutting costs, and earning the trust of a workforce that now sees care as a core part of the company’s culture.

When rising workers’ compensation costs signaled that there was opportunity for improvement, Griffin Health’s leadership team took an honest look in the mirror — and built a management-driven culture of accountability that cut claims, reduced costs, and made employee safety as central to the organization’s mission as patient care.

By transforming its approach to youth care and injury prevention, George Junior Republic achieved a dramatic reduction in workplace injuries and lost workdays — proving that caring for the young people they serve and protecting the staff that serve them are inseparable goals.

As Foundation Building Materials expanded rapidly through acquisition, its risk management team built a workers’ compensation program designed to scale without losing the one thing that matters most — the personal touch that keeps injured workers from ever feeling alone in the process.

Over a decade of disciplined, incremental building, Essentia Health transformed a fragmented, claims-only workers’ compensation program into a fully integrated system of prevention, early intervention, and purposeful return-to-work — one that now serves caregivers across three states with the consistency and care they deserve.

By building a comprehensive, technology-enabled safety and risk management program specifically designed for school districts, the Georgia School Boards Association has turned a statewide self-insured fund into a model of prevention — delivering dividends, lowering costs, and reaching the school communities that need it most.

Emerging from the pandemic with an exhausted workforce and a stalled safety culture, Aspirus Health rebuilt its workers’ compensation and employee safety programs from the ground up — one hospital, one relationship, one conversation at a time.

When a post-pandemic claims crisis threatened to overwhelm its workers’ compensation program, Kelly overhauled its approach — forging a data-driven partnership that dramatically reduced litigation, accelerated claim closure, and put injured workers back at the center of the process.

When two of the country’s largest health systems merged to form Advocate Health, the challenge of unifying their workers’ compensation programs fell to Melinda Daniel — who built a single enterprise program for 150,000 teammates across six states, guided by one simple principle: teammates taking care of teammates.

After 23 years in safety, Lee Pyfrom found the most effective program of his career at a safety conference — and it cost about $40 per person.

By asking “why” one more time than most organizations are willing to, Professional Contract Services built a nurse triage program that dramatically reduced lost time and claim volume — while proving that caring for employees as whole human beings is the smartest risk management strategy of all.

By unifying its approach to risk across workers’ compensation, auto liability, and general liability — and backing it with predictive analytics, behavioral safety training, and aggressive early intervention — Verizon achieved tens of millions of dollars in savings while building a stronger culture of care for its workforce.

By building a seamless system that puts the right information in front of injured employees the moment they need it — and backs it up with a rigorously tested ergonomics program — State Farm’s workers’ compensation team has made early intervention a reality, not just a goal.