During my time playing wide receiver at the University of Northern Colorado, I learned firsthand there are a lot of advantages to being on offense. Being on offense is proactive. It means you know where the ball is going before the play begins, which typically gives you the advantage over the defense.

But when it comes to protection, the insurance industry has traditionally spent a lot of time playing defense. Being on defense is generally reactive. As we reimagine the future of protection, carriers and agents should embrace the idea of going on offense to help customers and clients prevent a loss before it happens.