Placing You First Insurance Podcast by CRC Group

The healthcare insurance landscape is rapidly evolving beyond traditional pain points, creating new challenges for retail agents seeking coverage for specialized risks. From ketamine clinics to advanced med spas, these emerging sectors require specialist navigation to secure appropriate protection. Healthcare has always presented unique insurance complexities, but today's market features several particularly difficult placement categories. While correctional healthcare and locum tenens staffing remain challenging, CRC Healthcare Broker Scott Scheiblin highlights several additional sectors creating headaches for agents and insureds alike. Ready to navigate the complexities of today's toughest healthcare risks? Reach out to your local CRC Group producer for guidance and market access that can provide successful solutions when you hit placement challenges Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Technology is reshaping insurance placement, but the most powerful solutions don't just automate—they amplify human expertise. This fascinating conversation with Team CRC's ExecPro Broker Brian Benda and Director of Digital Distribution Erin Dyer reveals how CRC's Quick Quotes platform delivers exactly that balance.Quick Quotes began as an internal tool refined over five years before being extended to retail partners. What makes it revolutionary isn't just the instant quotes—it's the seamless connection to specialist brokers who remain ready to assist. This hybrid approach means retail agents can handle small accounts efficiently without sacrificing the specialized knowledge that complex placements demand. Combined with features like limit benchmarking reports and side-by-side coverage comparisons, Quick Quotes transforms the entire placement process from submission to proposal.Currently supporting cyber liability, miscellaneous professional liability, and employment practices liability, the platform lets retail agents choose which markets to approach and offers multiple pathways for data collection based on client preferences. This flexibility acknowledges a fundamental truth: technology should adapt to how people work, not force people to adapt to technology.Ready to experience a digital solution that enhances rather than replaces expertise? Visit crcqq.com or contact your CRC producer to explore how Quick Quotes can transform your insurance placement workflows while keeping you connected to the specialized knowledge that makes CRC a trusted wholesale partner. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Learn more about navigating cyber threats and insurance with insights from Hunter Maskell, a Director with the CRC / INSUREtrust Cyber Practice Group and Professional Lines Broker Chris Zepeda. Ransomware attacks are making a sophisticated resurgence, matching the concerning levels of 2020 and 2021. Despite strides in incident response, the financial strain from business interruptions and legal battles lingers. While current market conditions may seem buyer-friendly, the looming specter of increasing claims warns of impending premium adjustments. Listen as we dissect the delicate balance between competitive pricing and sustainable risk management, ensuring you're prepared for the challenges ahead. The landscape of cyber insurance is ever-shifting, and understanding coverage nuances with the help of specialists is crucial. This episode is your guide to staying ahead in an era where cyber risks and solutions constantly evolve. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Could "forever chemicals" like PFAS be the new asbestos for the insurance industry? Join us on the Placing You First podcast as we unpack this pressing issue with CRC Environmental Broker Sean McLaughlin. We explore how these persistent chemicals infiltrate our everyday lives, from kitchen cookware to essential firefighting gear, raising alarming health concerns. Listen as we navigate the complexities of managing PFAS risks and insurance challenges. We discuss the proactive measures clients can take to address PFAS exposure and the critical role wholesale brokers play in managing expectations and ensuring proper coverage. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Learn more about safeguarding your business against one of the most insidious threats today—social engineering fraud. Join us as we sit down with specialists, Lori Wheeler and Jackie Leslie from CRC's ExecPro Practice Group, who share their invaluable insights into the growing prevalence and sophistication of these cyber threats. Gain a thorough understanding of how these scams have surpassed even ransomware in frequency and the severe financial toll they can take on businesses, especially smaller ones. Discover the critical steps your organization can take to secure adequate insurance coverage and protect against potentially crippling losses. Lori and Jackie also shed light on how AI technology is being weaponized to mimic voices and orchestrate fraudulent transactions. From accounting departments under pressure to real estate transactions, explore the urgent need for heightened awareness and robust safeguards in our increasingly connected world. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Summary: Join hosts Amanda Knight and Scott Gordon as they engage with industry specialists Tyler O'Connor, Josh Anderson, and Michelle Earle to dissect the seismic shift from admitted carriers to the thriving Excess and Surplus (E&S) market. You'll learn precisely why high-severity claims and social inflation are pushing human services organizations toward E&S solutions, especially during a mental health crisis. The conversation doesn't shy away from the tough topics, particularly the thorny issue of underwriting abuse claims in the wake of reviver statutes. This episode also offers vital insights into how limited excess coverage options can be navigated, emphasizing the crucial role of collaboration between agents and brokers in constructing robust liability programs. Tune in to equip yourself with the knowledge and strategies needed to manage intricate human services market challenges effectively. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Ever wondered how the latest advancements in GLP-1 medications are revolutionizing the treatment of diabetes and obesity? Join us for an insightful conversation with healthcare brokers Scott Scheiblin and Chip Wenges as they unravel the complexities and opportunities these groundbreaking drugs bring to healthcare providers. You'll discover the hidden pitfalls of improper prescribing practices, the looming threat of regulatory scrutiny over compounded medications, and the challenges posed by insurers limiting coverage to branded versions. As the demand for GLP-1s skyrockets, we discuss the implications and potential repercussions that could follow. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Learn how to master submissions for small and midsize property placements with insights from Destinie Kendall, a seasoned Underwriting Team Leader with CRC Group's Fort Worth Texas office. Discover how precise and detailed property submissions can be a game-changer in securing optimal insurance coverage. Destiny shares her specialist advice on enhancing your submission process, including the crucial details often overlooked. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Imagine the financial and logistical nightmare of discovering that a single contaminated ingredient has infiltrated multiple food products across your supply chain. That's exactly what we're examining with John O'Malley and Chris Martin from CRC Group's Minneapolis office. This episode unravels the complex web of costs and liabilities that ensue from food recalls, using real-world incidents to stress the importance of proactive risk management and the critical role of comprehensive recall insurance to safeguard against these multifaceted challenges. We share essential strategies, from stringent quality control processes to implementing test and hold policies, we discuss how to ensure contaminated products never reach consumers. Don't miss this episode—subscribe and share! Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Unravel the complexities of the Texas Data Privacy and Security Act (TDPSA) with cyber and professional lines broker Josh White from CRC Group's ExecPro practice group. Discover the essential components of this new legislation, understand its alignment with similar laws, and learn about the unique aspects that set Texas apart. Josh breaks down the immediate compliance requirements for businesses, shedding light on potential costs and challenges. Plus, get a firsthand look at the pivotal role insurance agents play in navigating these regulations, from understanding data collection processes to managing data repositories efficiently. Hear about the standout services CRC offers, including coverage analysis, benchmarking resources, and tools to compare cybersecurity exposures and limits. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

The sharing economy is booming, and its growth isn't expected to slow down any time soon. Listen in as SVP & Casualty Broker Andrea Ward and Apollo ibott President Chris Moore discuss where they're seeing growth, some of the more widespread obstacles the sector faces, and what insureds can expect to encounter in the marketplace when putting their insurance programs together. They also dive into what kind of information or risk management elements insurers want to see when considering sharing economy business and provide insight for navigating today's insurance landscape. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Gain valuable insight into the ever-changing E&S property market with CRC Group's property brokers, David Christopher and Jonas Williams. This episode peels back the layers of market trends as the calendar flips from 2023 to 2024, highlighting the significant role of quota share and layered business in navigating complex accounts. Get ready to grasp the importance of precise property valuations and the innovative tools CRC leverages to help you win in today's marketplace.  Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Learn how to traverse the evolving cosmetics industry regulatory landscape with CRC Group Casualty Brokers John O'Malley and Chris Martin. They discuss the changes brought into effect by the Modernization of Cosmetics Regulation Act as well as its ripple effects across the industry. From increased reporting and FDA registration to the increased risk of product recalls, this episode is a specialist's guide in how product recall insurance can be your client's safety net. Listen in and fine tune your approach to risk management and business resilience for your cosmetic industry clients. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Listen in as Lee McClure a Senior Healthcare Broker with Team CRC in Birmingham, Truitt Taylor, a Broker with CRC Group's Jackson, MS office, and Rebecca Adelman, founder of Adelman Claims Management, discuss the terrain of the senior living insurance marketplace. Our guests discuss evolving litigation trends, from staffing quandaries to medication missteps, and lay out the blueprint for proactive claims management as well as other tools, insights, and strategies that can empower retail agents to help their insureds make more informed choices when it comes to their insurance programs. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Are you ready to navigate the security guard insurance market? Prepare to arm yourself with the essential knowledge shared by industry specialists Vince Polese and Greg Zschiesche . In our latest episode, we tackle the shrinking pool of insurers, dissect the nuances of liability concerns that have come to the forefront with cases like the Surfside Condo collapse, and analyze the diverse risks associated with various security environments. This is a must-listen for understanding the complexities and challenges that security guard firms face in securing adequate insurance in today's marketplace.Vince and Greg shed light on the labor dynamics within the security sector, emphasizing the growing presence of retirees and veterans in the field. They share valuable insights on establishing fair contracts and a meticulous vetting process that's critical for recruiting top-tier talent. Furthermore, we discuss how wholesalers like CRC Group can be a guiding light through these intricacies, underscoring the importance of fostering strong relationships and staying abreast of market trends. Whether you're an agent, a client, or simply intrigued by the inner workings of insurance for security firms, our discussion offers a wealth of knowledge that is sure to assist you in charting a course through these challenging times. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

In this episode we attempt to unravel the complexities of Habitational property insurance with Daniel Ball, a Property Broker with CRC's Boca Raton, FL office and David Pagomian, President of CRC's Red Bank, NJ office. Join us as we traverse the labyrinth of skyrocketing property valuations and the resultant seismic shifts in coverage layers. The stakes have never been higher in 2023, with ITV rates soaring, and our guided discussion highlights the urgent need for carriers to preserve their ratings, which in turn dictates their risk appetite and participation.We delve into the mission-critical role that CRC's team plays. Harnessing the power of data modeling and analytics, Daniel and David illuminate how finely-tuned loss limits not only satisfy lender demands but also keep premiums within the realm of possibility for property owners. Our conversation serves as a testament to the precision and innovation that defines CRC's approach, laying out a blueprint for retail agents and their clients to gain leverage in a market where only the resilient and inventive can truly thrive. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

As the world of remote work continues to explode, so does the need for robust cybersecurity solutions. In our latest episode, we're joined by Chris Zepeda, an Associate Broker with CRC Group's Boca Raton, FL office, and Alexandra Kish, an Associate Broker with our Dallas, TX office. They are going to enlighten us on the often misunderstood, yet increasingly critical, world of end point detection and response (EDR). We're going to delve into how EDR works, the key benefits of utilizing this technology, and why every business, regardless of size, should be taking note.We're not just talking tech here; we're unraveling the future of business protection. Chris and Alexandra help us understand the interplay between EDR, machine learning and artificial intelligence in detecting suspicious behaviors and threats. They also share insights on how insurers perceive EDR – is it an optional add-on or a necessity? You might be surprised at the answer. This conversation is a deep dive into the heart of cybersecurity that you won't want to miss. So, buckle up and join us! Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Today we're jumping into the deep end with Ben Tschepikow, a Broker with Argenia, a CRC Group Company located in Little Rock, AR as well as Emma Grimshaw, an Underwriting Manager with Liberty Specialty Markets in London. They're going to discuss navigating today's flood insurance market. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

The holidays will be here before we know it and with the holidays come parties, and social gatherings with colleagues, friends, and family. Alcohol also tends to flow a little more freely than at other times of the year, making it a perfect time for us to explore the world of liquor liability insurance. Today we're in the studio with CRC Sumter Office President Renee Middleton, Sallie Howerton, an Inside Broker with CRC Group's Indianapolis, Indiana office, and Lisa Flowers, Underwriter and Product Leader for Restaurants and with USLI. They're going to chat with us about what the liquor liability insurance market looks like for bars, restaurants, and other venues.  Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

July 1st property renewals saw high prices and capacity cuts, but in the middle the toughest property market in recent history, the stock throughput market offered some relief.  Today, Amanda and Scott are joined by Ted Clayton, a Senior Property Broker & Office President of CRC Group's Santa Ana, California office,  and Farrah Schubmehl, Senior Property Broker & Office President of CRC Group's Nashville, Tennessee office. They're going to break down the landscape of the stock throughput market for us.  Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

PFAS have been referred to by some as the next asbestos when it comes to their potential health impacts and claims potential.  Today, Amanda and Scott are joined by Jim Hamilton, Senior Broker and CRC Group's Environmental Practice Group Leader, as well as  Sean McLaughlin, Inside Broker, with our Philadelphia office.  Both specialize in Environmental coverage, and they're going to walk us through the insurance industry's role in dealing with PFAS-related issues.  Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Significant changes are coming to the farming industry. The FDA's recent traceability rule changes increase the product recall risk for food producers. Today, Scott and Amanda are joined by Jon O'Malley an Associate Broker with CRC Group's Minneapolis office where he specializes in Product Recall exposures, as well as Chris Martin, also a Casualty Broker with our Minneapolis office specializing in Product Recall. They're going to break down the FDA's changes and their impact on farmers and food producers.  Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

We're delving into the challenges and opportunities when it comes to insuring public works construction in the U.S. in light of the pressing need for nationwide infrastructure upgrades.Amanda and Scott are joined by Jeff Dunn and Ryan Nadler, Casualty Brokers with CRC Group's Norcross, Georgia office as well as Josh Levy, Casualty Broker with our Redondo Beach, California office. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Pixels and Biometrics are a hot topic. They've been referred to by some as the next asbestos when it comes to their potential health impacts and claims potential.  Today, Scott and Amanda are joined by Mike Edmonds, an Assistant Vice President with CRC Group's Seattle office where he specializes in Cyber & Technology, E&O, Healthcare, and Management Liability as part of the Seattle ExecPro Team. We've also got Mark Smith, Senior Vice President and Professional Liability Broker also with CRC Group's Seattle office. He is an active member of the ExecPro Practice Group and a member of the Cyber Specialty Team. They're going to talk with us about the privacy risks related to the use of pixels and biometrics.  Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

The cannabis industry continues to grow rapidly. It's expected to be worth $134.4 billion by 2030. With that kind of growth, it's clear the industry is shedding its taboo status in some areas, but many insurance carriers are still hesitant to consider cannabis coverage, and the majority of insurance business finds a home in the E&S marketplace. In this episode, Scott and Amanda are joined by members of CRC San Francisco – Associate Broker Michele DeLuca, Vice President & Broker, Drew Taylor, and Dixie Noel, Senior Vice President & Broker. They're going to shed some light on the cannabis insurance landscape for us. Featuring:Michele DeLuca - Associate Broker, CRC San FranciscoDrew Taylor - Broker & Vice President, CRC San FranciscoDixie Noel - Broker & Senior Vice President, CRC San Francisco Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Telemedicine is here to stay and it's impacting the insurance needs of healthcare providers. In this episode, Amanda and Scott are joined by Josh Anderson and Conner Madey - Brokers with CRC Group's Chicago Office where they specialize in Healthcare Liability, as well as Scott Scheiblin, a Broker with CRC Group's Denver office. The topic: How telemedicine is changing the insurance landscape for healthcare providers.Featuring:Josh Anderson - Broker, CRC ChicagoConner Madey - Broker, CRC ChicagoScott Scheiblin - Broker, CRC Denver Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

All it takes is one bad batch of inventory to cause a foodborne illness outbreak in a restaurant, which can be a costly risk for owners. The fallout can include lost inventory, a drop in sales, and long-term reputational damage. Unfortunately, many restaurants don't carry foodborne illness insurance, which can cover the financial and reputational fallout of an outbreak. Today, Scott and Amanda are joined by Jon O'Malley an Associate Broker with CRC Group's Minneapolis office where he specializes in Product Recall exposures, as well as Chris Martin also a Casualty Broker with our Minneapolis office specializing in Product Recall. They're going to dive into why Food Borne Illness coverage is a smart buy for restaurants. Featuring:Jon O'Malley -  Associate Broker, CRC MinneapolisChris Martin - Casualty Broker, CRC Minneapolis Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

The trucking industry faced several challenges in 2022, but rate growth for primary auto insurance flattened for the first time in years. Today, Amanda and Scott are joined by Chris Slezak, Director of CRC Group's Central Transportation Region, Julie Sirois, Director of CRC Group's Northeast Transportation Region, and Alek Turko, Managing Underwriter and Office President with 5Star Specialty Programs. They're going to fill us in on the state of the market for primary trucking insurance. Featuring:Chris Slezak - Director of CRC Group's Central Transportation RegionJulie Sirois - Director of CRC Group's Northeast Transportation RegionAlek Turko - Managing Underwriter and Office President with 5Star Specialty Programs Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Cybercriminals have turned the internet into a virtual battlefield, but insurers are increasingly worried about the growing risks that actual war and state-sponsored attacks pose to the market. Many insurers are adding new cyber war and terrorism exclusions to their cyber policies that further complicate an already complex marketplace. Amanda and Scott are joined by Lori Wheeler, a Broker with CRC Group's Dallas office, and Tim Graham, a Broker with CRC's Chicago office. They're going to fill us in on what these exclusions can mean for clients. Featuring:Lori Wheeler - Inside Broker, CRC DallasTim Graham - Broker, CRC Chicago Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

These days utilizing only a Virtual Private Network may not be enough to qualify for a cyber insurance policy. Insurers want companies to have not only a VPN but also Multi-Factor Authentication in place for remote network access. Unfortunately, many clients don't understand the need to use both together. Many assume a VPN is enough to protect against cyberattacks, but that could turn out to be a costly mistake. Amanda and Scott are joined by Dan Myer, a Director with CRC Group's ExecPro Practice Group and a Broker from the Tampa, FL office. He's going to fill us in on the importance of using a VPN and MFA together. Featuring:Dan Myer - Director & Broker, CRC Tampa Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

The pandemic exacerbated healthcare staffing shortages, pushing many organizations to rely on staffing agencies for help. However, this can increase the risk of claims. Because claim severity continues to be an issue, many markets have narrowed their appetite or chosen to exit the sector entirely, creating a harder insurance landscape for healthcare staffing. We're going to talk about all this and more with our guests Jason Lewis, President of CRC Denver and National Healthcare Practice Leader for CRC Group, Shavarra Davis, a Broker with CRC Group's Norcross, GA office specializing in Professional Liability and Medical Malpractice, and Josh Anderson, an Associate Broker with CRC Group's Chicago Office specializing in Healthcare Liability. Featuring:Jason Lewis - Office President, CRC DenverShavarra Davis - Broker, CRC NorcrossJosh Anderson - Associate Broker, CRC Chicago Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

From electronic logging devices (ELDs) to logistics and maintenance software, trucking companies are utilizing innovative technologies to improve efficiency and connectivity. Unfortunately, this often leads to increased cyber risk. In this episode we talk with two of CRC Group's brokers - Chris Hunter, a Broker specializing in Transportation with CRC Group's Houston, Texas office, and McCulle Wright, an ExecPro Broker with CRC Group's Dallas, TX office - to explore this emerging issue in depth.Featuring:Chris Hunter - Inside Broker, CRC HoustonMcCulle Wright - Associate Team Leader, CRC Dallas Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Behavioral healthcare providers can help mitigate growing violence rates by adequately assessing the risk of violence a patient presents toward others. The right behavioral healthcare assessments can help protect people from harm and prevent professional liability claims. In this episode, we're joined by Sue Cohen, the Executive Vice President of Negley Associates, a CRC Group company focusing on behavioral healthcare, addiction, and social services as well as Ron Zimmet, a Florida trial lawyer, and General Counsel for the Mental Health Risk Retention Group who has practiced risk management for many years. Ron discusses the importance of using the right behavioral healthcare assessments to help prevent violence against others.Episode Links:Negley AssociatesMental Health Risk Retention Group Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

In 2021, 19-year-old Orlando student Miya Marcano was tragically killed in her apartment by a 27-year-old maintenance employee with access to her apartment complex's master key fob. In response to this tragedy and a growing trend of violence, Florida Governor Ron DeSantis signed Senate Bill 898, known as “Miya's Law,” at the end of June 2022.   The new law took effect July 1, 2022, and seeks to strengthen renter safety measures.In this podcast episode, we discuss potential issues to watch for and what agents need to know before placing a habitational business in Florida.Featuring:Corey Friedman is a Broker with CRC Group's Boca Raton, Florida office where he specializes in Real Estate and Habitational risks.Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Hurricane Ian has proved to be a significant event for the insurance industry. In this episode, we talk with Nationally Renowned TV Meteorologist James Spann from ABC 33/40 in Birmingham, AL.  Also, Chris Carlson, the property practice leader for CRC Group, joins us to talk about the damage estimates and what this means for the insurance industry.About James Spann:James has served as the Chief Meteorologist for ABC 33/40 for 25 years and can be seen on weeknights at 4, 5, 6, and 10 o'clock. In all, James has been a television weather anchor for 44 years.James has received the two highest awards in the nation for a broadcast meteorologist.One is the national "Broadcaster of the Year" by the National Weather Association. According to the NWA, James was selected for the award "For his passionate dedication to serving the Central Alabama community with critical weather information for over thirty years, especially during the deadly April 27, 2011 tornado outbreak."James also was the winner of the AMS (American Meteorological Society) "Award for Broadcast Meteorology." The AMS stated he was the winner partly because of "his tireless efforts to advance the public's awareness of and engagement in the science of meteorology, particularly severe weather forecasting and response."James has earned multiple Emmy awards over the years. He was elected to the National Academy of Television Arts and Sciences Silver Circle, representing outstanding achievement spanning at least 25 years in the broadcast industry with a proven record of mentoring and community involvement.Link: See James' Coverage of a significant tornado in Tuscaloosa in 2011.CRC Group announced that the company closed on the acquisition of BenefitMall effective September 1, 2022. The addition of BenefitMall, the nation's largest benefits wholesale general agency, will enable CRC Group to provide the broadest array of insurance products and services available from any wholesale distributor in the marketplace today. Learn More About the Acquisition Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Uncertainty can prove costly when it comes to purchasing property insurance. When pricing catastrophe risks, underwriters must be able to quantify them accurately. Where uncertainties arise, underwriters often adjust prices in an attempt to compensate for the unknown or decline the risk entirely. Uncertainty also tends to drive up the loss estimates produced by CAT modeling tools used to help underwrite property coverage today. To avoid paying unnecessarily high prices, insureds should provide detailed data that creates a complete and accurate picture of their exposures in a schedule of values. Complete submissions based on more precise data are likely to receive a warmer welcome from underwriters who have seen an increase in submission volume in the current market. Brokers that can provide a detailed catastrophe risk assessment report using the latest modeling technology can help clients make more informed decisions about risk transfer strategies and better position them to achieve the most cost-effective insurance program.Learn about CRC Group's CAT modeling tools and processes, and why the company is uniquely positioned to give you the edge when it comes to property risk.Featuring: Colin Morris is a Senior Risk Analyst with CRC Group's Red Bank, NJ office.David Pagoumian is the President of CRC Group's Red Bank, NJ office. David specializes in property placements and is an active member of the Property Practice Advisory Committee.CRC Group announced that the company closed on the acquisition of BenefitMall effective September 1, 2022. The addition of BenefitMall, the nation's largest benefits wholesale general agency, will enable CRC Group to provide the broadest array of insurance products and services available from any wholesale distributor in the marketplace today. Learn More About the Acquisition Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

After a year of slashed demand in 2020, global oil demand surged in 2021 as the world began to recover from the coronavirus pandemic. In 2022, energy demand and commodity prices are still up, indicating that the energy industry is strong (source 3). Refineries are operating at approximately 95% capacity, and many companies would like to expand operations conservatively. But, like other industries all across the country, energy companies are struggling to find and hire qualified employees to fill positions. They're also grappling with ongoing supply chain problems that make it difficult to obtain materials and purchase or repair vital equipment. As the insurance marketplace continues to contract, prices are rising for several product lines.BenefitMall to Join CRC Group Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Senior Living Market Easing but Reprieve May be BriefAfter a year or two of hardening, the insurance market for senior living facilities took another hit in 2020 due to the COVID-19 pandemic's new wave of compounding challenges. Brokers working with these healthcare organizations were warned to keep a wary eye on increased liability and tighter underwriting moving into 2021.Throughout the challenging market in 2020 and 2021, accounts of varying quality were often painted with the same brush in an effort to improve underwriting profitability through widespread price hikes of 20% or more. This was frustrating for higher-quality accounts, and the sector saw a subsequent rise in the secondary market as risk retention groups (RRGs) were priced slightly lower than traditional marketplace offerings. However, the impact of RRGs began to wane at the end of 2021 as new entrants began joining the space, allowing better accounts to be considered on their own merit.As we move into the second half of 2022, there are signs that the senior living insurance marketplace may be easing as 3 - 4 new insurers have now entered the space, and some legacy carriers have become more aggressive in an effort to rebuild their books after balancing portfolios. This means the pace of rate hikes may decelerate, which is good news for many operators experiencing post-COVID fatigue after significant premium increases. However, price sensitivity is still through the roof, and many insureds are looking for a better deal. The marketplace is seeing some clients choose to leave multi-year insurance relationships in favor of a lower price, but that leap may prove detrimental for insureds in the long run.Featuring:Rusty Hughes is a Senior Broker with CRC Group's Birmingham, AL office specializing in the healthcare and assisted/ senior living sectors.Lee McClure is a Senior Broker with CRC Group's Birmingham, AL office specializing in healthcare professional liability.Conner Madey is a Broker with CRC Group's Chicago office where he specializes in healthcare.BenefitMall to Join CRC Group Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Matthew Rosencrans from the NOAA Climate Prediction Center takes us through the future of property risk, including hurricanes, climate change, and more.  Is climate change causing sea levels to rise?  The answer may surprise you!How many named storms will we see in 2022?According to the best data, what can we expect in the next 5 to 10 years?After talking with Matthew, we check in with Chris Carlson, Property Leader for CRC Group, to understand the future of property insurance.Featuring:Matthew RosencransNOAA Climate Prediction CenterClimate Testbed DirectorChris CarlsonCRC Group Property LeaderYoutube | Tools & Intel | LinkedInJoin #TeamCRC, email resumes@crcgroup.com

The REDY® Index leverages CRC Group's collection of actionable data – the wholesale industry's largest. It provides critical pricing analysis monthly, giving you a snapshot of the marketplace. The REDY® Index generates instant intelligence on pricing trends by industry or coverage, enabling our retail partners to set accurate data-driven expectations with their clients. Removing the guesswork empowers CRC team members to negotiate competitively, consistently producing better outcomes, better deliverables, and better results.View the Full Cyber REDY® Index Report at https://www.redyindex.com. Youtube | Tools & Intel | LinkedInJoin #TeamCRC, email resumes@crcgroup.com

In today's economic environment, many companies have difficulty hiring and retaining sufficient staff to operate. More small and mid-sized companies without dedicated internal administrative or HR staff partner with Professional Employer Organizations (PEOs) to help offload administrative burdens. In addition to providing HR, benefits, and payroll administration, PEOs often offer Employment Practices Liability (EPL) coverage to protect client companies against employee claims of wrongful termination, retaliation, harassment, discrimination, or other workplace claims.Featuring:Mike Edmonds is an Assistant Vice President with CRC Group's Seattle office, where he specializes in Cyber & Technology, E&O, Healthcare, and Management Liability as part of the Seattle ExecPro Team.Youtube | Tools & Intel | LinkedInJoin #TeamCRC, email resumes@crcgroup.com

Over the last decade, third-party litigation funding (TPLF) has evolved into a $17 billion industry worldwide, and 52% of that money is being spent in the U.S., making TPLF a key contributor to social inflation, hiking up jury awards and claim settlements that may have a significant impact on insurance prices and coverage availability.What is it?  How does it work?  What effect is it having on pricing?   Where do we go from here?Featuring:Bob Greenebaum is an Executive Vice President, Central Region Director, and Casualty Practice Leader located in CRC Group's Chicago, Illinois office.Youtube | Tools & Intel | LinkedInJoin #TeamCRC, email resumes@crcgroup.com

The deadly collapse of a 12-story beachfront condominium north of Miami Beach sent shockwaves through the Florida insurance market. One wing of the 40-year-old Champlain Towers in Surfside, Florida, crumpled to the ground suddenly on June 24, 2021, killing 98 people. Several carriers have exited the Florida property market as total settlements rise to more than $130 million, and others are pulling back on property and liability coverage. Faced with the potential for steep losses, insurers are raising rates and deductibles and becoming much more selective. In such a challenging market, it's crucial to work with experienced, knowledgeable brokers who can provide guidance through a more complex, demanding placement process.Featuring:Sim Bridges is Vice President-Underwriting with Coastal Insurance Underwriters located in Ponte Vedra Beach, Florida.ABOUT COASTAL INSURANCE UNDERWRITERSCoastal Insurance Underwriters is a program administrator specializing in designing, creating, and managing insurance products for various business classes, including condominium associations, homeowner associations, and golf and country clubs. Coastal has become one of the largest Managing General Underwriters in the United States focused on community association products with over 8,000 homeowners and condominium associations currently insured. Coastal Insurance Underwriters is a subsidiary of Constellation Affiliated Partners, LLC. Learn more at www.ciuins.com.Youtube | Tools & Intel | LinkedInJoin #TeamCRC, email resumes@crcgroup.com

Flooding continues to be the most expensive and the most common natural disaster in the United States, resulting in billions in economic losses every year. According to the National Flood Insurance Program (NFIP), 90% percent of all U.S. natural disasters involve flooding.In October 2021, the NFIP implemented its Risk Rating 2.0 program, one of the most significant changes from a rate modeling and underwriting standpoint in more than 50 years. In the past, FEMA flood zones and rates were much more generalized. However, the NFIP is striving to implement advanced technology and geocoding to more accurately rate flood risks. While these changes are vital to keeping the NFIP afloat, significant premium increases are coming because many policies have been severely underpriced for years. As the NFIP continues to evolve, retail agents face a prime opportunity to protect clients against the economic impact of flood damage with private insurance options.Featuring:Ben Tschepikow is a Broker with Argenia, a CRC Group Company located in Little Rock, AR, and is a member of the Personal Lines Practice Advisory Committee.Youtube | Tools & Intel | LinkedInJoin #TeamCRC, email resumes@crcgroup.com

Transitioning markets make for tougher renewals. Rising prices, carrier repositioning, and stricter underwriting are combining to make this year's renewals more challenging. Seeking to tame natural catastrophe losses, carriers are changing appetites, scaling back capacity in some markets, and exiting others. Those changes have helped drive submission activity to levels not seen since 2005 and are further exacerbated by new market entrants that are causing a movement of underwriting talent not seen in recent times. In this market, communication is critical for successful renewals. Experienced brokers can make the difference by helping clients put together more compelling submissions with the best available data and provide up-to-the-minute guidance on market moves.Featuring:Chris Carlson is the Director-Property Practice located in CRC's Norcross, GA Office.Subscribe to CRC Group on YoutubeSubscribe to Tools & Intel (email newsletter)Read Past Tools & Intel ArticlesFollow CRC Group on LinkedInDo you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Contractors may assume they don't need professional liability coverage. But, as the traditional construction delivery model evolves and the lines of responsibility between contractors and design firms blur, contractors face increased exposure. Fortunately, professional liability insurance is available to help protect contractors from the risks that accompany industry changes.Featuring: David Finneran is an Assistant Vice President and Broker with CRC Group's Boston, Massachusetts office where he specializes in the areas of Pollution, Professional Liability, and Product Recall.Subscribe to CRC Group on YoutubeSubscribe to Tools & Intel (email newsletter)Read Past Tools & Intel ArticlesFollow CRC Group on LinkedInDo you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Following a soft market cycle characterized by marked underpricing, an excess casualty market that was hardening in 2019 is now firm. Underwriters continue to look for rate increases and cut capacity as large claims climb the tower.Three CRC Group Producers who specialize in Casualty weigh in on the current conditions of the market.Featuring:Jason Howard is a Senior Vice President located in the San Francisco, CA office where he specializes in construction, environmental, life sciences, and excess limits.Ben Wright is a Senior Casualty Broker and Vice President with the Houston, Texas office where he focuses on liability placements in the energy, construction, and industrial service sectors.Craig Nettles is a Broker in the Atlanta, Georgia office, handling a large portfolio of General Liability, Casualty, and Environmental Insurance business all across the country.Subscribe to CRC Group on YoutubeSubscribe to Tools & Intel (email newsletter)Read Past Tools & Intel ArticlesFollow CRC Group on LinkedIn

Healthcare is a diverse industry, ranging from individual practitioners and home health nurses to ambulatory care centers and integrated systems with revenues in the billions of dollars. The risks along that spectrum also vary widely, but the insurance marketplace for healthcare organizations has been almost uniformly tight. Several insurance companies that underwrote healthcare business for decades have withdrawn from some classes, citing high loss ratios. In their place, new sources of capacity have emerged. Historically, the presence of new entrants has signaled competition and a loosening of terms, conditions, and rates. Unfortunately for insureds, that is not happening in the current marketplace. It's a challenging environment that requires retailers to approach the renewal process differently.Featured in this Episode:Bob Allen is president of Pro-Praxis, a CRC Group company providing specialty programs to large healthcare organizations, based in New York.Rusty Hughes is a senior broker in the Birmingham, Alabama, office of CRC Group.Alex Gould is a broker in the Birmingham, Alabama, office of CRC Group.Subscribe to CRC Group on YoutubeSubscribe to Tools & Intel (email newsletter)Read Past Tools & Intel ArticlesFollow CRC Group on LinkedIn

Costly litigation alleging violations of the Telephone Consumer Protection Act (TCPA) has made coverage hard to get for businesses that contact customers and prospects by phone or text. We explore why markets for TPCA risks are scarce and how to work with a knowledgeable wholesale broker to help insureds.Featuring:Harold Field is Office President of CRC New York and a member of the ExecPro practice group.Subscribe to CRC Group on YoutubeSubscribe to Tools & Intel (email newsletter)Read Past Tools & Intel ArticlesFollow CRC Group on LinkedIn

Visit TheInsurer.com for more information about this interview.Recently, CRC Group's CEO Dave Obenauer sat down with David Bull from the Insurer to discuss the state of the E&S Marketplace.  It was a great conversation, and we're happy to share it with you."Strong growth in the E&S market shows no sign of letting up as a confluence of loss events, and a greater awareness of risk drives demand for products and solutions that are best innovated in the sector, according to CRC Group CEO Dave Obenauer.With record levels of business flowing through the wholesale channel, data from the US Surplus Lines Service and Stamping Offices for the first half of 2021 shows that premium soared 22 percent to $24bn.Speaking to The Insurer TV in the latest of our Leading Voices series, Obenauer said the current E&S market is the best he's seen in terms of demand and supply."

Featuring: Camille Knight is a Senior Broker with our CRC Indianapolis team, located in Kentucky. She has extensive experience and specializes in aviation relation risks.As the aviation industry rebounds from a massive pandemic-induced downturn, aviation insurance rates are rising as insurers seek to address prior-year losses and the industry's evolving risks. Interest in private jet purchases and rentals have surged as more business fliers and individuals avoid public carriers for health reasons. The pandemic has also provided an extra boost to the rapidly growing unmanned aerial vehicle industry since camera-equipped drones can perform many tasks at lower risk and without personal contact.Rising insurance prices in the aviation industry come amid historic losses for commercial aviation. The COVID-19 pandemic made 2020 the worst year in history for air travel demand, according to the International Air Transport Association.1 The IATA expects net airline industry losses of $47.7 billion in 2021, which marks a massive improvement from estimated net losses of $126.4 billion in 2020.2As the aviation industry recovers, it faces an insurance market that has been hardening for several years. The rise in rates for aviation coverage has followed big losses such as the disappearance of Malaysia Airlines Flight 370 with 239 people aboard in March 2014. Five years later, two crashes of Boeing's recently introduced 737 Max within five months added impetus to the insurance market hardening: An Indonesia Lion Air Boeing 737 Max crashed in October 2018, killing 189 people, and in March 2019 an Ethiopian Airlines Boeing 737 Max crashed shortly after takeoff with 157 people aboard. The losses extended beyond the crashes as hundreds of Boeing 737 Max airliners were grounded around the world, resulting in significant grounding liability claims in addition to liability and hull loss claims.