After implementation of a clinical approach to risk management and loss control, can advances in underwriting lead to the next level? Explore successful approaches to underwriting and understand the next wave in underwriting for loss reduction and loss avoidance. See how hospitals and physician groups apply individual physician “bottom up” underwriting to supplement the typical actuarial “top down” approach and create financial incentives for clinical behavioral changes. The speakers also demystify predictive modeling and show how it is used to drive down loss frequency and severity.