RiskCellar

Brandon Schuh and Nick Hartman dive into a mix of engaging topics, starting with some personal anecdotes about their recent travels and experiences with Airbnb. Brandon shares a cautionary tale about a less-than-ideal stay that underscores the importance of customer service in the hospitality industry. He highlights how Airbnb's support helped resolve his issue, showcasing the platform's commitment to customer satisfaction. Meanwhile, the duo engages in a light-hearted wine tasting segment, discussing their selections and offering humorous critiques.Shifting gears, the conversation turns to the insurance industry, where significant challenges are unfolding. The hosts discuss the financial performance of AIG and Travelers, particularly in light of natural disasters that have led to substantial losses for major carriers. They reflect on Federal Reserve Chair Jerome Powell's recent remarks regarding the intersection of insurance and housing finance, emphasizing the growing difficulties in obtaining mortgages in disaster-prone areas as insurers retreat from high-risk markets. This discussion sets the stage for a broader examination of how these trends are reshaping the insurance landscape.The episode also touches on broker consolidation trends and recruitment challenges within the insurance sector. As insurtech companies continue to innovate and offer new solutions, the hosts contemplate the future of traditional insurance models. They conclude with cultural commentary on events like the Super Bowl and their impact on public sentiment and marketing strategies, reminding listeners of the importance of consumer safety in light of recent product recalls.Key Takeaways: Brokers should focus on their core competencies rather than billing. Personal experiences can highlight the importance of customer service in hospitality. Airbnb's support can be crucial in resolving disputes. Wine ratings can be subjective and vary between individuals. The future of Tesla may be uncertain due to market dynamics. Insurance companies are retreating from high-risk markets. Natural disasters are impacting the financial performance of insurance companies. AIG's recent earnings reflect the challenges of underwriting in a volatile environment. The insurance industry is undergoing significant shifts in response to market pressures. California wildfires have led to substantial losses for major insurance carriers. The insurance industry is experiencing a slowdown in mergers and acquisitions. Recruitment in the insurance sector is becoming increasingly competitive. Insurtech companies are actively seeking to innovate and provide solutions.Chapters:00:00 Post-Trip Reflections and Client Experiences03:02 Airbnb Experience: A Cautionary Tale06:46 Wine Tasting and Ratings10:06 Elon Musk and the Future of Tesla13:09 Insurance Industry Shifts and Challenges18:27 AIG's Financial Performance and Natural Disasters20:16 Leadership Changes at AIG21:11 AIG's Historical Context and Current Position22:35 Impact of California Wildfires on Insurance Companies24:11 Foreign Ownership in China's Insurance Market26:30 Broker Consolidation Trends28:03 Recruitment and Talent Acquisition in Insurance30:51 Market Outlook and Insurtech Innovations32:49 Cultural Commentary: Super Bowl and Entertainment36:48 Product Recalls and Consumer SafetyConnect with RiskCellar:Website: https://www.riskcellar.com/Brandon Schuh:Facebook: https://www.facebook.com/profile.php?id=61552710523314LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/Instagram: https://www.instagram.com/schuhpapa/Nick Hartmann:LinkedIn: https://www.linkedin.com/in/nickjhartmann/ 

In this fascinating discussion with Sean Flood from Ride Today we chat about his journey in the ever-evolving world of mobility, from his early days in electric rideshare to his current ventures in Ireland. It's always interesting to hear how entrepreneurs navigate the ups and downs of an industry, especially one as dynamic as micro mobility. Sean's insights on hardware sales and subscription models really highlight the innovative spirit driving the sector forward.One of the key themes we explore is the impact of tariffs on the mobility industry. Sean brings a grounded perspective, emphasizing how tariffs can drive inflation and affect pricing. It's not just about the political side of things; it's about the real-world consequences for businesses and consumers. We also delve into the evolution of micro mobility, from the early days of scooter dumping to a more strategic and community-integrated approach. It seems like the industry is finally finding its footing, with less public resistance and more focus on sustainable growth.Looking ahead, we get into the exciting possibilities of robotics and even personal aerial transportation. It's wild to think about the future of mobility extending beyond traditional vehicles to include delivery bots and maybe even personal bubble devices. Sean's vision really paints a picture of how innovation and technology could transform the way we move goods and services. It's clear that the definition of mobility is expanding, and the potential for growth is immense.Takeaways*   Ascend automates premium financing and collections.*   Sean Flood has a long history in micro mobility.*   The move to Ireland was prompted by a family decision.*   New ventures in mobility focus on hardware sales and subscriptions.*   Tariffs can drive inflation and impact pricing in the mobility sector.*   Micro mobility is evolving with less public resistance.*   Innovation in mobility is expected to grow significantly.*   The definition of mobility is expanding to include goods transportation.*   Personal aerial transportation could be a future reality.*   Stability is crucial for entrepreneurs in the mobility space.*   Litigation has significantly increased post-COVID, making it challenging to analyze trends.*   Battery safety regulations are becoming crucial due to the rise in fires caused by unsafe products.Chapters*   00:00 Revolutionizing Payments in Insurance*   01:19 Sean Flood's Journey in Micro Mobility*   02:42 Transitioning to Ireland and New Ventures*   04:03 The Future of Mobility: Strategies and Innovations*   06:00 Impact of Tariffs on the Mobility Industry*   14:04 The Evolution of Micro Mobility*   18:21 The Future of Mobility: Robotics and Aerial Transportation*   21:11 Litigation Trends Post-COVID*   24:53 The Impact of Battery Safety Regulations*   26:10 Wine and Risk: A Personal Touch*   30:11 Navigating Tariffs and Trade Relations*   34:24 AI and the Future of Jobs*   38:09 Sovereign Wealth Funds: A New Frontier?*   44:01 Product Recalls and Consumer SafetyConnect with RiskCellar:Website:https://www.riskcellar.com/Sean Flood:Ride Today Linkedin:https://www.linkedin.com/company/ridetoday/?originalSubdomain=ieBrandon Schuh:Facebook:https://www.facebook.com/profile.php?id=61552710523314LinkedIn:https://www.linkedin.com/in/brandon-stephen-schuh/Instagram:https://www.instagram.com/schuhpapa/Nick Hartmann:LinkedIn:https://www.linkedin.com/in/nickjhartmann/ 

In the latest episode of Risk Seller, hosts Brandon and Nick emphasize the **growing necessity for private security** in light of alarming incidents, notably the assassination of United Healthcare CEO Brian Thompson. This tragic event has triggered a reevaluation of security protocols for executives, highlighting that many high-profile leaders often travel without adequate protection. The discussion reveals that while some executives may decline security details, this decision can lead to significant risks, underscoring the need for companies to prioritize protective measures amidst rising threats from both physical and cyber domains. The conversation also delves into the **MGM data breach settlement**, where the company agreed to pay $45 million following two major cyberattacks that compromised sensitive information of approximately 37 million customers. This case illustrates the broader implications of cybersecurity in corporate governance, as companies face increasing pressure to safeguard data and respond effectively to breaches. The hosts discuss how such incidents can lead to heightened awareness and knee-jerk reactions regarding security investments, particularly during economic downturns when budgets for these measures are often slashed. Additionally, the episode introduces innovative solutions like the **Shadow app**, designed to connect consumers with security providers efficiently. This reflects a trend towards leveraging technology to enhance safety measures in a rapidly evolving landscape where social engineering and human factors significantly contribute to security vulnerabilities. The hosts argue that understanding these dynamics is crucial for preventing future tragedies and ensuring that safety and security are recognized as essential investments rather than mere costs. Takeaways Ascend automates financial operations for insurance professionals. Private security is a growing concern for companies. Protectees can decline security details. The 'deadly diamond' concept shows security gaps. Knee-jerk reactions to tragedies often increase security measures. Public events require heightened security awareness. AI and cybersecurity are linked issues. Understanding security planning's unknowns is key. Social engineering risks use personal data from social media. Human error, negligence, and fraud drive security breaches. A security detail can prevent tragic events. The app is in beta, testing in multiple markets. Building a security marketplace is crucial for safety. Fraud cases highlight vulnerabilities, sometimes humorously. This conversation stresses the need for security innovations. Sources: https://markets.businessinsider.com/news/stocks/mgm-resorts-to-pay-45m-to-settle-data-breach-lawsuit-1034288134 https://techxplore.com/news/2025-01-court-grants-preliminary-45m-settlement.html https://www.theverge.com/news/601733/mgm-resorts-45-million-settlement-data-breaches https://www.reco.ai/shadow-app-discovery https://www.techcrunch.com/2025/01/29/mgm-resorts-settles-lawsuits-after-millions-of-customer-records-stolen-in-data-breaches Time Stamps 00:00 Introduction to Risk Seller and Guest Introduction 10:46 The Importance of Private Security 23:10 Response to Security Incidents and Best Practices 24:41 The Value of Safety and Security 25:39 Understanding Social Engineering in Security 30:13 Human Factors in Security Risks 32:13 The Evolution of Security Solutions 34:06 Introducing Shadow: The Uber of Security 36:15 Global Expansion and Market Strategy 37:58 Building a Marketplace for Security Products 39:25 Humor in Fraud Cases 44:25 Fitbit's Recall and Consumer Safety Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

We explore the intricate dynamics of risks, policies, and politics. We kick off with a candid conversation about the burdens of managing billing and payments in the brokerage industry, and the innovative solutions that are streamlining these processes. Our discussion then takes a lively turn as we unpack recent political events, including observations from a high-profile inauguration and the behavior of prominent figures such as Mark Zuckerberg. We explore broader political themes, touching on the energy crisis and its impact on prices, and the pressing need for political leaders to transition from perpetual campaigning to effective governance. Additionally, we examine the implications of recent presidential pardons, contemplating their motivations and potential effects on national unity. Shifting our focus to industry trends and global expansion, we analyze the dynamic landscape of the insurance and brokerage sectors. Discover how private equity-backed brokers are dominating acquisition deals, especially in acquiring smaller, regional agencies, despite a decline in large-scale acquisition activity. We explore the latest trends in reinsurance, with a noted decrease in property catastrophe rates and the continued growth of insurance-linked securities. The conversation also covers the shift of business from admitted to non-admitted markets, particularly in California and Texas, and the plateau in rate growth despite high submissions. We touch on securities class actions and their potential impact on Directors and Officers (D&O) pricing, while also considering the potential for global brokers like Howden to expand into the US market. In our final chapter, we tackle privacy concerns in consumer data and home safety. We highlight the unique quirks of flying Southwest Airlines and transition to the New York taxi insurance market, noting the recent bankruptcy of ATIC and Governor Kathy Hochul's legislative response. Our skepticism about the effectiveness of these efforts leads to a discussion on the potential for legal action by taxi drivers with unpaid claims. We also address a GM settlement over improper use of geolocation data, sharing personal experiences with Carfax and its impact on vehicle trade-in values. To wrap things up on a lighter note, we share our change of heart about Dry January and indulge in our choice of wine for the evening, Mayoma, before concluding with a humorous reflection on life expectancy and aging. Time Stamps 00:00 Revolutionizing Insurance Payments with Ascend 01:36 Trump 45 vs. Trump 47: Inauguration Drama 02:52 Morbid Presidential Speech Analysis 03:58 Gas Prices and Inflation: Are Companies Profiteering? 06:01 Biden's 6,000 Pardons: Controversy or Compassion? 09:15 TikTok Shutdown Hysteria: Is It Justified? 10:10 Insurance M&A Activity Hits Lowest Since 2017 14:21 California and Texas: Surplus Lines Market Boom 16:00 Rise in Class Action Lawsuits: Impact on D&O Pricing 18:50 Global Brokers Eyeing the US Market: Threat or Opportunity? 23:12 New York Taxi Insurance Market in Chaos 27:10 Carfax Controversy: Who Owns Your Driving Data? 29:15 Smoke Detector Recall: 328,000 Units Fail to Alert Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

In this exciting episode of "Holiday Mishaps, Futuristic Tech, and Fires: A Rollercoaster Podcast Adventure," we dive headfirst into a whirlwind of experiences, from the chaos of holiday mishaps to the awe-inspiring innovations showcased at the Consumer Electronics Show. This episode is packed with humor, insights, and intriguing discussions that promise to keep you engaged from start to finish. Unexpected Holiday Adventures We've all experienced holiday chaos, but this episode kicks off with tales of unexpected winter woes that disrupted festive plans. The hosts share personal anecdotes of canceled parties and illness, painting a vivid picture of the unpredictability that often accompanies the holiday season. These relatable stories set the stage for a lively conversation about the rollercoaster ride of emotions that define holiday gatherings. Futuristic Tech Wonders The conversation takes a futuristic turn as the hosts recount their visit to the Consumer Electronics Show. From AI-driven pool cleaners to X-Peng's revolutionary electric vehicle that transforms into a collapsible helicopter, the tech marvels on display are nothing short of extraordinary. The excitement is palpable as they explore the future of transportation and the endless possibilities that innovation brings to our lives. Sobering Reality of Wildfires Shifting gears, the podcast delves into the sobering reality of the LA wildfires. The hosts discuss the extensive destruction, and the resilience of communities determined to rebuild. They examine the complexities of insuring high-value homes in fire-prone areas, highlighting the challenges faced by homeowners and the insurance industry alike. Through these discussions, the episode underscores the delicate balance between nature's unpredictability and human resilience. Balancing Seriousness with Laughter Amidst the serious discussions, the hosts inject humor and lightheartedness, exploring topics like airport preferences and the role of AI in the insurance industry. They speculate on TikTok's future, imagining a possible Elon Musk twist, and engage in playful banter about the hypothetical scenarios of a Musk-Zuckerberg showdown. These moments of laughter provide a refreshing contrast to the episode's more serious themes. Time Stamps 00:01 - Kicking off with humorous holiday mishaps, including winter colds and Texas weather disrupting festive plans. 08:02 - Introduction to a sober January, featuring the enjoyment of Olipop, a prebiotic beverage. 08:30 - A deep dive into the LA wildfires, discussing the scale of destruction and community resilience. 11:50 - Challenges in insuring high-value homes in fire-prone areas, highlighting coverage gaps and regulatory considerations. 24:04 - Lively discussions on favorite airports and AI's role in the insurance industry, touching on misconceptions and innovations. 30:00 - Speculation about a potential TikTok sale, with Elon Musk as a possible buyer, and humorous banter on the implications. 32:30 - Light-hearted debate on a hypothetical fight between Elon Musk and Mark Zuckerberg. 34:50 - Exploring alternative buyers for TikTok, including Kevin O'Leary and Oprah, while questioning the platform's retail value. 41:54 - Exciting announcement of Sandra's stand-up comedy tour and a potential change of scenery for future podcast recordings. 42:30 - Fun banter about smoke detector batteries and welcoming the new year, 2025, with camaraderie and joy. Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Join us for an insightful conversation with Brian Falchuk, a revered figure in the P&C insurance industry, as he unpacks the intricate relationship between insurance and technology. With 25 years of experience to his name, Brian shares his perspective on the transformative power of telematics and the slow-burning evolution towards autonomous vehicles. As we navigate through these topics, Brian offers a captivating look at the industry's future, providing a compelling argument that the most significant changes may be on the horizon in the 2040s. This episode is a must-listen for anyone keen on understanding the dynamic shifts in auto insurance and the burgeoning role of technology. Our discussion also takes a turn towards the automotive industry's transitioning strategies, especially how car manufacturers are rewriting the rulebook with subscription models and data-driven services. We explore the tug-of-war between insurers and original equipment manufacturers, contemplating a future where automakers might have more control over the insurance process itself. Drawing parallels with the music industry's subscription pivot, this episode encourages listeners to reconsider traditional notions of car ownership and what this means for consumer loyalty in a tech-driven world. In a fascinating segment, we dissect the unique challenges Tesla faces in establishing a viable insurance model against the backdrop of high repair costs and a narrow product range. We also dive into topics like the implications of Arthur J. Gallagher's hefty acquisition of Assured Partners and the networking potential of platforms like LinkedIn for industry professionals. With a mix of humor and insightful commentary, we even touch on the excitement surrounding the United Healthcare case and our upcoming trip to the Consumer Electronics Show. This episode promises a rich blend of industry insights and engaging storytelling, perfectly punctuated with a light-hearted holiday cheer. Timestamps 02:27 - Deliriously tired since 2 AM: A day in the life of Brian Falchuk 03:17 - The future of insurance: Thought leadership and pushing the industry forward 04:39 - Autonomous vehicles: Predictions, delays, and how the industry adjusts 06:18 - Tesla's robo-taxi announcement: A step forward or just marketing hype 07:10 - Will personal auto insurance become a thing of the past 08:51 - The distracted driving epidemic: Drivers of frequency and severity in claims 10:40 - Who owns the data? OEMs and the shifting power dynamic in insurance 11:05 - The subscription economy: Cars, insurance, and the future of ownership 16:27 - Tesla insurance: High costs, challenges, and what the numbers reveal 23:18 - Why diversified product portfolios matter for OEM insurance venture 27:16 - Should insurers partner with automakers to stay ahead 32:22 - How asking 'How might we?' can open up opportunities for innovation Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Join us as we welcome our special guest, Lucas Urbisciaga from Argentina, to explore the fascinating world of premium financing and the standout services offered by our partner, Ascend. Lucas provides insights into how Ascend differentiates itself within the industry by delivering competitive rates and offering seamless digital access for both brokers and clients. Our discussion also takes a flavorful turn as we savor the rich taste of Argentinian wine, specifically Zuccardi from the Uco Valley in Mendoza, which Lucas recommends as one of Argentina's finest offerings. Together, we blend the complexities of finance with the cultural richness of wine, creating a unique experience for our listeners. In our conversation, we explore a variety of topics, including the climate that makes Argentina's wine-growing regions, like Mendoza, comparable to California's, as well as the nuances of a 2019 Malbec. We also contrast different weather experiences between warm climates and the chill of Minneapolis. Reflecting on personal experiences, we share fond memories of living in Boston, its historic charm, walkable streets, and delightful Italian food scene, highlighting favorite spots like Mike's Pastry in the North End. These personal anecdotes tie back to our connections to Argentina and our work at Praxis, offering listeners a rich blend of experiences and shared interests. As we transition into the realm of entrepreneurship and innovation, we chart the journey of creating AI-driven solutions for the insurance industry. We explore the founders' shared history at Harvard and their drive to tackle mundane industry tasks with technology, highlighting the role of Y Combinator in nurturing their ambitions. Listen in as we discuss the potential of AI to revolutionize the insurance sector, from streamlining operations to addressing concerns like data aggregation and analysis. We also touch on economic challenges in Argentina and their implications for the insurance industry, all while examining the irreplaceable value of human brokers amidst advancing technology. Timestamps 00:00 - Guest Lucas introduces Argentinian wine and its connection to his heritage. 03:57 - Lucas discusses the similarities between Argentina's Mendoza region and California's wine biomes. 09:19 - Lucas shares how he discovered Bitcoin as a teenager to combat Argentina's inflation. 12:50 - Lucas explains how he learned coding through Bitcoin mining at age 12. 16:32 - How Praxis uses AI to transform insurance processes into efficient workflows. 21:26 - Lucas describes his experience with Y Combinator and its focus on ambitious founders. 24:47 - The transformative potential of AI in standardizing and improving insurance operations. 31:00 - Lucas's take on systemic risks in cyber security and the inevitability of breaches. 39:22 - Discussion on Argentina's economic challenges and its impact on daily life. 46:18 - Lucas explains why early-stage startups should prioritize learning over rapid scaling. 50:15 - How Praxis is poised to redefine insurance workflows with data-driven AI. Connect with RiskCellar: Website: https://www.riskcellar.com/ Lucas Urbisaia LinkedIn: https://www.linkedin.com/in/lucas-urbisaia Website: https://www.praxos.ai/ Email: lucas@praxos.ai Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Ever wondered what happens when technology, humor, and serious industry shifts collide? In this episode, we dive into everything from the peculiarities of streaming a Mike Tyson fight to the quirks of interacting with smart assistants like Alexa. Along the way, we reflect on Tyson's performance, financial wins, and how even scripted events can spark deeper conversations about resilience and entertainment. Our exploration of politics takes a sharp yet humorous turn, touching on figures like Matt Gaetz and Mitch McConnell, their controversies, and the credibility of media narratives. From RFK Jr.'s potential health initiatives to the unpredictable political appointments of Fox News personalities, the discussion offers a lighthearted but insightful take on leadership and decision-making. Fans of AI and wine alike will enjoy a discussion inspired by Lex Friedman's podcast featuring Dario Amodi of Anthropic, where the evolution of AI meets the quirks of building "relationships" with ChatGPT. This tech talk is paired with a surprisingly affordable organic wine recommendation—courtesy of our favorite AI tool. We also address more serious topics, including the decline of downtown Minneapolis as remote work reshapes urban landscapes, and the challenges faced by the Florida insurance market. Rounding out the episode, we cover Marsh's acquisitions, laugh at outlandish insurance fraud stories, and unpack the safety concerns behind a major bed rail recall. Timestamps 00:00 - The Rise of Ascend: Simplifying Insurance Billing for Everyone 01:34 - Golf Tournament Insights: The Value of Premium Finance 03:02 - Humor Meets AI: The Future of Talking to Machines 06:34 - Micromobility America: Battery Fires and Tariff Talk 10:18 - Tariffs and China: Can the U.S. Manufacturing Sector Compete? 16:07 - Organic Wines and ChatGPT: A New Kind of Sommelier 19:00 - Why Downtown Minneapolis Feels Like a Ghost Town 26:05 - HDI's Expansion: The Future of Mobility Insurance 28:14 - Burning Concerns: Lithium-Ion Battery Safety and Innovation 33:52 - Bear Fraud in California: Staged Attacks for Insurance Scams 36:58 - Portable Bed Rails Recall: Tragedy and Safety Lessons 40:07 - Trivia Time: Flamingos, Gold, and The Office Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

We explore the aftermath of a significant political event, referred to as a "big red wave," and its varied impacts on listeners and participants alike. We share personal anecdotes about how we spent election night, with one of us enjoying pulled pork and tequila, while the other experienced a David Sedaris reading. The stock market's reaction to the political changes is analyzed, noting a rally with specific movements in crypto and energy stocks. We consider the potential economic strategies that might be employed, such as tax subsidies for American manufacturing, and discuss Elon Musk's strategic positioning with the new administration. Additionally, there's mention of a missed opportunity for Kamala Harris to engage in a Joe Rogan interview, adding to the political discourse. We also take a look at the intersection of political and economic challenges, starting with reflections on a recent concession speech and the broader implications for both major U.S. political parties. We explore the pressing issue of the eroding middle class, emphasizing the critical role of government intervention in reversing this trend. Shifting gears, we address the surprising rise in vehicle interest rates and the skyrocketing costs of SUVs, which reflect broader economic disparities. Housing affordability becomes a focal point, as we compare historical and current income-to-house price ratios, highlighting the growing financial strain on everyday Americans. The discussion touches on corporate influence in real estate, with entities like BlackRock affecting the housing market. Finally, we consider the implications of these trends on personal projects and hint at upcoming discussions on insurance news. And finally, we cover a wide range of topics sparked by a thought-provoking article on the implications of Trump's hypothetical second administration on business. We speculate on Elon Musk's potential role, drawing comparisons to fictional villains and office efficiency consultants, while considering the impact of integrating such a wealthy individual into government. Cryptocurrency's volatility and its association with criminal activities are highlighted, humorously juxtaposed with Trump's notorious branding. We examine Trump's energy policies, especially the contrast between his ties to traditional energy and Musk's carbon-free advocacy. Additionally, we discuss the practicalities of owning electric vehicles, such as the convenience of not needing to refuel at gas stations, despite challenges like power outages in Texas. A playful anecdote about charging an electric vehicle with a gas generator rounds off the discussion. Timestamps 3:04 Stock market after Trump's victory 3:50 What will Trump do with tariffs? 6:48 How Trump's discourse and vocabulary changed since the 80s 8:48 Trump's voting among women and black people 10:27 The issues of polarization and taking Trump as a role model 13:29 Trump's role in the invasion of the Capitol 14:21 Kamala's concession speech and the future of both parties 16:00 The disparity between salaries and insurance rates today 19:34 Will Elon Musk have a role in Trump's administration? 21:33 Impact of Trump's government on crypto 23:25 Trump's plan for energy policies 29:48 Will Trump increase government expenses and debt? Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Curious whether sales is just about the numbers or if there's something deeper to consider? In this episode, Brandon and Nick dive into this question with a delightful mix of personal stories and professional insights. They share everything from spontaneous naps to encounters with relentless deer and Halloween antics. With plenty of laughs and spirited discussions, their unique take on sales strategies will not only entertain you but also challenge your understanding of what it really takes to succeed in sales. Wine enthusiasts, you're in for a treat! Experience a delightful tasting of San Gregorio Tempranillo from Spain, and explore the concept of "noble woods" with Brandon and Nick's lighthearted commentary. They also take a light-hearted look at the latest insurance acquisitions and discuss how major players like Gallagher and Howden are shaking up the industry. Alongside conversations on hurricane and fire events, they ponder the unpredictability of weather, providing a fresh perspective on timely topics. Prepare for a wild ride through armadillo trapping escapades and Fisher-Price recall revelations. Brandon and Nick weave futuristic movie references with tales of corporate shareholding, adding a sprinkle of humor with a "two truths and a lie" game that touches on quantum mechanics and ancient history. With a nod to the influential role of institutional investors, and a shoutout to guests like social media safety expert Abby Ferry, this episode promises a captivating mix of finance, fun, and fascinating facts. Timestamps 0:00 Update on last week 6:59 Today's wine: San Gregorio Tempranillo 10:19 Today's topics 15:04 Howden acquires the UK's largest beauty membership providers, ABT & AIT 17:29 Howden Alleged to Have Poached Insurance Rival's Team in UK Suit 19:06 Impact of hurricanes in Florida's insurance market 23:46 New York Mets Hit With Class Action Alleging Biometric Privacy Violations 26:46 Trapping armadillos in Nick's backyard 29:08 Recall of the week: Fisher Price baby swings 33:32 2 truths and 1 lie quiz Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

What does the future hold for a Green Bay Packers fan turned insurance maven? Tune in to our 30th milestone episode of RiskCeller as we celebrate with Micah Salas from the Christensen Group in Austin, Texas. Micah's vibrant life journey from Houston to Austin, peppered with anecdotes about raising two young children and his unwavering devotion to the Packers, sets the stage for a truly engaging conversation. We reflect on his recent 39th birthday celebration and humorously predict the gubernatorial future of our young colleague, Hayden. Micah takes us through his fascinating 13-year journey in the insurance industry, starting from Federated Insurance in Minnesota to his current role at the Christensen Group, all thanks to a pivotal connection with Charlie, the company's president. Delve into the genesis of the Max Revenue project, a support platform for insurance producers co-founded with his friend Trey, whose unique Instagram presence, "Coffee with Saints," adds an intriguing twist. This episode navigates the shifting landscape of social media and the evolving acceptance of broker of record letters, while humorously touching on the trials of beekeeping. The conversation doesn't stop there—it shifts gears to explore the rise of electric vehicles, the complexities faced by gig economy workers, and even the whimsical world of bees. Join us as we savor delightful wines and exchange stories, offering insights into both personal and professional growth. Whether you're interested in the intricacies of insurance, the dynamics of social media, or the lighter sides of life, this episode promises a mix of humor, knowledge, and memorable moments with Micah Salas. Timestamps 0:00 Introducing Micah Salas 6:22 Micah's professional history and becoming a producer and influencer 14:47 Today's drinks: Harvester Cabernet, Donati Family Vineyard Claret 18:01 How did Micah enter the insurance producer space and his type of content 23:27 How has the insurance content shifted the space so far? The case of AOR protection 27:55 Is there an insurance sales culture in the making, and does it help sales? 40:41 Number of private insurance companies in the US today 44:32 Today's news headlines 45:34 GEICO canceling insurance coverage for Tesla Cybertrucks 52:42 Share prices from insurance companies in Florida down after Hurricane Milton 54:47 Fire risk from electric cars 58:39 Couple Seriously Injured in Uber Crash Blocked From Court by Uber Eats Terms 1:02:43    NFL reported lowest number of pre-season concussions since tracking began 1:08:37 "2 truths and 1 lie" quiz Connect with RiskCellar: Website: https://www.riskcellar.com/ Connect with Micah Salas: Website: https://micahsalas.com/ LinkedIn: https://www.linkedin.com/in/micahsalas/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

What do toast undertones in wine and autonomous vehicles have in common? Join us on a lively journey where personal anecdotes meet industry insights, starting with Nick's adventurous 10th wedding anniversary trip to Utah. Despite a few health hiccups, the trip was a backdrop to some hilarious comparisons with our friend Zach Freeman, who we jokingly crown as the king of caregiving. Our conversation sips into a spirited tasting session of Unanime, an Argentinian wine, where we explore its rich flavors and humorously debate whether toast is indeed a flavor note. Our camaraderie and curiosity create a blend that's as engaging as it is entertaining. As the episode rolls on, we dive into the seismic waves of the insurance world with Marsh-McLennan's $7.75 billion acquisition of McGriff. It's an elephantine deal that has everyone talking, and we break it down with the help of a delightful metaphor involving Bertie Bott's jelly beans—some flavors you crave, and others you'd rather skip. This conversation leads us to ponder the future of personal auto insurance in the era of autonomous vehicles, challenging the notion that it's headed for extinction. Instead, we foresee an evolution that will redefine the industry landscape. Our latest episode wraps up with tales from the vibrant Wholesale Specialty Insurance Association (WSIA) conference in San Diego. Imagine fashion-forward insurance pros partying like Hollywood stars, all while making meaningful industry connections. We also share our gratitude for the diverse age range of The RiskCeller Podcast's audience, from those just starting their careers to seasoned industry veterans. With listeners spanning decades, we're thrilled to continue bringing you humor, insights, and stories that resonate, as we toast to many more engaging episodes together. Cheers! Timestamps 0:00 Weekend update 3:54 Today's wine: Mascota Unánime Grand Vino Tinto 8:26 Marsh McLennan to Acquire McGriff Insurance Services 16:55 Insurers brace for up to $15 billion in losses if Helene hits Tallahassee 20:32 Could the widespread adoption of autonomous vehicles make auto insurance obsolete? 24:58 Jury awards $2.78 million to nanny over hidden camera 28:07 Recall of the Week: Pollarus Ranger XD Off-Road Vehicle and John Deere Utility Tractors 29:50 Update on WSIA Conference 35:00 Update on Salt Lake and Moab Trip 37:18 2 lies and 1 truth Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Curious about the secrets of thriving in the micromobility sector amidst geopolitical upheavals? This episode of RiskCellar promises to unravel the journey of Wiz's Mike Peregudov, who relocated from Russia to New York in early 2022 and successfully launched a micromobility business. Alongside sipping Phantom Proprietary Red wine and guava raw kombucha, we delve into the practicalities and hurdles of funding a startup through equity and debt, emphasizing the importance of operational precision and strategic financing. Ever wondered how to break into a highly regulated market like New York City? We dissect the complexities of navigating regulatory landscapes and using them as strategic barriers to fend off competitors. Mike shares insights into launching a subscription-based service for delivery bikes, a game-changer for immigrants and delivery workers, allowing access to essential transportation without the burden of credit scores. We also talk about innovative tech solutions to tackle theft and fraud, and the adventurous tales of our repossession team retrieving bikes from unexpected places. From wine tasting notes to policy debates on e-bike safety regulations, this episode covers it all. Enjoy light-hearted exchanges about fraternity stories and cooking mishaps, and get your weekly dose of industry updates with our Recall of the Week segment. Plus, stay tuned for a deep dive into the insurance industry's latest challenges and the intriguing intersection of health risks and legal battles involving everyday products. Join us for a dynamic blend of professional insights and engaging personal anecdotes that you won't want to miss! Timestamps 2:32 Today's wine (and kombucha): Bogle Phantom proprietary red 6:20 Introducing Mike and Whizz 9:51 The process of fundraising in 2022 for a micromoblity company 14:19 Biggest challenges in owning a business like Whizz in USA versus in Russia 17:36 Whizz's business model, market, and target customer 21:49 Marketing strategy for Whizz 25:24 The problem with tires 27:36 What surprised Mike about the USA after coming from Russia 30:17 Issues that arise when working in a highly regulated market like NY 32:32 What made Whizz successful when other competitors failed 34:38 One crazy story and one repo story that happened at Whizz 42:03 Mike's favorite city in the US so far 45:45 Ted Cruz Blocks Bipartisan Bill on E-Bike Battery Safety 51:09 Trojan condoms contain ' forever chemicals' , class action claims 54:16 Lloyd's CEO Neal extending prediction for the hard market 56:53 New York City's Biggest Taxi Insurer Is Insolvent 1:01:23 Recall of the week: AirJet and HydroJet spa pumps 1:03:11 True or false quiz Connect with RiskCellar: Website: https://www.riskcellar.com/ Mike Peregudov: Linkedin: https://www.linkedin.com/in/mike-peregudov/ Personal Instagram: https://www.instagram.com/mike.peregudov/ business Instagram: https://www.instagram.com/getwhizz/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Join us for an action-packed episode where Nick and Brandon share personal updates with Nick enjoying a neighborhood event and some golf over Labor Day, while Brandon embarks on the ambitious project of building a treehouse. You'll hear about the construction process, challenges faced, and even a humorous anecdote about Brandon's unconventional approach to enjoying cigars while working. In another gripping chapter, we discuss a range of dramatic incidents, including the bleacher collapse at Tejas Rodeo in Bernie and its insurance ramifications, the tragic shooting of rookie wide receiver Ricky Pearsall, and the sinking of the $60 million super yacht Bayesian. We also explore the alarming deaths from head injuries in youth football and touch on Berkshire Hathaway's milestone of reaching a $1 trillion market cap. Brandon offers insights on micro mobility safety and helmet technology, and we reflect on the future of football in America amid rising babysitter costs. The episode wraps up with lighter content, featuring a lively discussion about comedian Nate Bargatze's take on time machines, trivia questions about fascinating historical facts, and some hilarious Rodney Dangerfield-inspired humor. We also clear up a mix-up between "Saved by the Bell" and "Beverly Hills 90210," and share exciting news about being featured in next month's Zag Micro mobility article. As we look forward to ramping up the season with great guests, we thank our listeners for their loyalty and support. Don't miss out on this engaging and informative episode! Timestamps 2:32 Labour day updates 6:11 Today's topics 8:03 Bleacher collapse during rodeo in Boerne 11:38 Shooting of footballer Ricky Pearsall 13:52 Today's wine: H3 Horse Heaven Hills Cabernet 14:58 Using AI as a search engine 17:35 Sinking of Mike Lynch's luxury yatch in Italy 20:38 SAE's new standard for testing micro-mobility products 23:55 Death of two young football players and increasing safety risks in the sport 27:56 Berkshire Hathaway hits 1 trillion in market value 30:47 True or False quiz Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Join us on this episode of Risk Seller as we sit down with Andrew Wynn from Ascend, calling in from the Bay Area, to share a delightful tasting of Flowers Sonoma Coast Pinot. Listen in as we explore its unique flavors, discuss our personal wine preferences, and recommend "The World Atlas of Wine" for enthusiasts looking to expand their knowledge. Alongside some amusing anecdotes, including a story about a Diet Coke connoisseur, we highlight the efficiency benefits our team has experienced by using Ascend for premium finance. Our conversation continues as we trace Andrew's fascinating career journey from Indiana to the Peace Corps in Senegal, and then to Silicon Valley. Learn about his impactful work with farmers in Senegal and his early days at Instacart, where he witnessed the company's rapid growth from a small team to a major tech player. Andrew shares insights into the challenges and triumphs of working in a startup environment, emphasizing the significant impact each team member had on Instacart's trajectory. We dissect the entrepreneurial journey that led to the creation of Ascend, enriched by lessons learned from Instacart and the insurance industry. Our discussion spans the frequent pricing errors and logistical hurdles of early Instacart days, the strategic pivot to insurance tech, and the cultural disconnects within Silicon Valley. We wrap up with a thought-provoking discussion on event cancellation insurance in light of a recent terror threat at a Taylor Swift concert, and we share a lighthearted trivia session to end on a high note. Tune in for a mix of insightful industry talk, personal stories, and a splash of humor! Timestamps 0:26 Today's wine: Flowers Sonoma Coast Pinot 6:01 Introducing Andrew Wynn and his background with Peace Corps and Instacart 10:42 Andrew's experience working at Instacart, a growing unicorn company 14:48 First Instacart app integration with groceries stores 18:49 Andrew's roles inside Instacart 20:47 Andrew's shift from Instacart to entrepreneurship with Sheltr 27:07 Coming in contact with the insurance world at Hippo and paving way to Ascend 29:49 The process of creating and launching Ascend 35:07 What does Ascend do 37:11 Raising money and partners for Ascend 39:15 Cultural shock when moving from Indiana to the Silicon Valley 45:15 End of the interview 46:22 Terror plot against Taylor Swift's concerts 50:58 Weekend update 55:07 Hiscox's generative AI underwriting model in partnership with Google 57:34 KBW Bank's ETF with insurance companies 59:47 True of false quiz Connect with Andrew Wynn: LinkedIn: https://www.linkedin.com/in/wynnandrewj/ Personal Website: https://www.andrewwynn.me/ Ascend Website: https://www.useascend.com/ Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Ever tried house-training two spirited pug puppies while juggling a bustling weekend? Brandon did, and he shares the hilarious highs and hair-pulling lows of welcoming Winston and Franklin into his home. Meanwhile, Nick's weekend was no less lively with a visit from his animated mother-in-law, who brings a whirlwind of joy and tales from her frequent travels. Tune in to hear our lighthearted banter and get a behind-the-scenes look at our lives beyond the insurance industry. Shifting gears, we tackle the intriguing world of politics, starting with a deep dive into a governor's adept handling of the COVID-19 crisis, complemented by his surprising proficiency in Mandarin. We then dissect Kamala Harris's savvy social media maneuvers, her ups and downs in the political arena, and even the bizarre yet captivating involvement of RFK, Roseanne Barr, and a dead bear in Central Park. Get ready for a thought-provoking conversation on how political figures navigate public perception amidst a landscape of controversies. The tech and insurance sectors also get their spotlight as we explore the monumental antitrust case against Google and its potential ripple effects on the industry. We scrutinize TikTok's data practices and discuss Ryan Specialty's acquisition of US Assure Insurance Services, diving into the implications for market dynamics and regulation. Wrapping up, we reflect on our past week, express heartfelt gratitude for our listeners, and tease an exciting surprise guest for our next episode. Join us for an episode packed with humor, insights, and industry expertise! Timestamps 0:00 Introduction 2:33 Weekend update 6:05 Today's wine: Kim Crawford Sauvignon Blanc 9:01 Tim Walz became VP candidate 14:40 RFK's dead bear episode 16:50 Today's topics 17:37 Google's anti-trust case 25:17 Utah allows homeowners to adopt captives 29:40 California's fair plan and how to keep carriers in 32:27 Tik Tok collecting data and addicting young people 35:59 Ryan Specialty to acquire US Assure 39:34 Some recalls for this week Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Greg Applehoff, a luminary in the consumer electronics world, joins us to share his remarkable journey through the ever-evolving tech landscape. From his early days with Japanese titans like Hitachi and Sony to his pioneering efforts in the MP3 market with iRiver, Greg's career offers a front-row seat to the technological revolutions that have reshaped our lives. Greg reflects on the golden era of physical music ownership and contrasts it with today's ephemeral streaming culture, providing listeners with a rich narrative of change driven by innovation and shifting consumer behaviors. Our conversation then pivots to the storied history of Minneapolis-based Shock Electronics, an influential retailer that transitioned from audio equipment to trailblazing computer sales, laying the groundwork for giants like Best Buy. We also recount the entrepreneurial success of GTI Graphics Technologies Inc., a company that grew to $100 million under the leadership of a visionary entrepreneur. Adding a personal touch, we share our appreciation for Erath Pinot Noir from Oregon's Willamette Valley and discuss our preferences in tequila and mezcal, making for a well-rounded and engaging discussion. The spotlight then shifts to the booming e-bike market, charting its rise from niche interest to mainstream adoption. We explore the role of independent bike dealers and major retailers like Best Buy and Walmart in this burgeoning sector. Key discussions include the vibrant biking culture in places like Bentonville, the green benefits of e-bikes, and the increasing interest from startups. With insights into brand building, innovation, and the critical role of regional retailers, this episode is a treasure trove of knowledge for anyone interested in the future of consumer electronics and micromobility. Timestamps 0:00 Ascend Ad 2:42 Introducing Greg Appelhof and his background 10:38 Today's wine: Erath Oregon Pinot Noir 13:55 Greg's role in bringing micromobility to large retail stores 21:30 What new companies have to do to get their products in large retail stores 28:59 Could smaller regional retailers be a good start for new companies 37:47 Gross margins on electric mobility 39:03 Selling on Amazon and the importance of reviews 41:27 Discussing safety certification for micromobility 45:24 Greg's predictions for the micromobility industry 53:29 End of interview 54:29 Class action against Morgan & Morgan 58:25 Abbott's lab settlement of 500 million over infant premature formula 1:00:46 Forever chemicals in school's water 1:06:26 Recall of the week: DGL hoverboard dynamo Connect with RiskCellar: Website: https://www.riskcellar.com/ Greg Appelhof Linkedin: https://www.linkedin.com/in/gregappelhof Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Could you imagine slicing your finger with a hedge trimmer and still having the time of your life at a concert the next day? That's precisely what happened to Brandon, and he spills all the gory yet hilarious details before raving about the Red Hot Chili Peppers concert in St. Paul, Minnesota. Meanwhile, Nick takes us through his more relaxed weekend, filled with a double date swim party and an all-out war with some stubborn squirrels and their acorns. Their weekend tales are packed with personal stories and humor, offering a delightful peek into their lives beyond the podcast mic. Switching gears, we dive into this week's latest political drama and tech fiasco. Join us as we dissect the impact of the recent CrowdStrike incident and its eerie similarities to the Y2K scare, especially for businesses like airlines. We debate the role of insurance in covering such massive system failures and delve into a federal jury's ruling that Lockton Companies and two brokers owe USI Insurance Services around $3 million. And of course, we can't ignore the political landscape, with speculations ranging from Kamala Harris's potential run to Joe Manchin's surprising moves and Dean Phillips's unexpected presidential bid. Finally, we rank U.S. states based on business and quality of life, shedding light on the differences between California, Texas, and Minnesota in terms of regulations and public vs. private land. We also share some personal anecdotes about family outings and the joys of recreational activities like pickleball. And don't miss our discussion on Dollar General's shocking $12 million fine and the latest product recall mess involving Bissell's steam cleaners. With a mix of humor and insightful commentary, we navigate through the complexities of legal disputes, economic paradoxes, and everyday quirks. Timestamps 0:00 Introduction 1:38 Episode starts: weekend updates 5:53 Today's topics 7:12 Today's drinks: Lalo Tequila and Oban 14 Scotch 9:35 CrowdStrike failure and its effects on business and insurance 15:30 Jury awards $3M to USI in broker poaching suit against Lockton 18:09 US politics: Kamala and Gavin Newsom 22:08 Regulatory environment in California: employers now need to notify workers of their rights 28:43 Dollar General will pay $12 million in fines over workplace safety 38:05 A wholesale insurance agent's claim against a retailer 42:06 Recall of the week: Bissel steam cleaner 45:09 Today's quiz Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Ever wondered how a former Secret Service agent transitions into the world of entrepreneurship? This episode of RiskCellar promises an insightful journey through the dynamic intersection of security and business. We kick things off with a compelling discussion on our partnership with Ascend and their role in democratizing access to premium financing, particularly through the innovative Shadow program. Then, special guest Mike de Geus, a former Secret Service agent, shares his riveting journey from protecting high-level dignitaries to founding Hero Beverage Company—a brand dedicated to supporting police, fire, military, medical, and educational professionals. Adding a touch of humor, we also feature a ChatGPT-generated wine description that will surely make you chuckle. We uncover the emotional and professional challenges Mike faced while transitioning from his high-stakes career to focusing on his family. Hear firsthand accounts of the operational differences in security measures for sitting versus former Presidents, and the complexity of managing security at high-profile political events. Mike shares compelling stories, including the strategic use of environmental factors to ensure safety and the nuanced differences in managing security in open carry states. The conversation highlights the dedication and sacrifices made by those in the protective services, offering a rare glimpse into their world. Wrapping up, we delve into the broader implications of security in today's landscape with the innovative Shadow platform, which aims to revolutionize safety and security by offering on-demand services through a user-friendly app. This discussion touches on the challenges faced by retired professionals as they transition to private sector roles, and the importance of preparedness and strategic thinking in both entrepreneurship and security. This episode is packed with invaluable insights, personal anecdotes, and forward-thinking solutions that you won't want to miss. Timestamps 0:00 Introduction 2:29 Mike de Geus and his career background 5:22 Today's wine: Malbec Finca Origen Gran Reserva 8:12 Mike's perspective on the Trump's assassination attempt 9:44 Why Mike left the secret service 12:35 How Trump's rally security should have handled the situation 30:30 How to plan protection against a drone? 35:21 Mike's experience with security in the private sector and how it interacts with the secret service 41:31 Mike's entrepreneurial journey with the Shadow App and how it came to be 53:49 How good the shooter actually was 55:26 Mike's final thoughts Connect with RiskCellar: Website: https://www.riskcellar.com/ Mike De Geus: LinkedIn: https://www.linkedin.com/in/michael-de-geus-428469204/ Hero Beverage Co.: https://www.drinkhero.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Join us for an engaging episode as we explore the latest happenings in the insurance industry. We start with an in-depth look at Ascend, an innovative billing, collections, and accounting automation platform that is revolutionizing how retail brokers, MGAs, carriers, and wholesalers manage their repetitive tasks. From invoice creation to commission disbursements, Ascend's efficiency is transforming accounting departments, and we share our firsthand experiences with its benefits. Additionally, we lighten the mood by recounting our contrasting 4th of July celebrations—one marked by family sickness and the other by a picturesque trip to upstate New York, complete with wine selections to set the scene. Next, we tackle the complexities of insurance industry acquisitions, focusing on a major brokerage deal and its market impact. We discuss the challenges large brokers face in achieving organic growth, driving them towards frequent acquisitions. This trend towards consolidation raises questions about competition and innovation in the industry. Shifting gears, we delve into the political landscape, offering critiques on the current presidential candidates and speculating on potential new contenders like Gavin Newsom. This segment provides insights into how these dynamics could shape future elections and the broader state of political discourse. Our episode also covers the pressing challenges of cyber insurance and climate change, examining the increasing risks and discrepancies in cyber insurance pricing, and how climate change affects various regions and industries. We discuss the evolving property market, the rise of parametric insurance, and the role of insurers in promoting green technology. The conversation extends to geopolitical tensions, economic instability, and the vulnerabilities of global supply chains. Wrapping up, we share our thoughts on high-tech sound machines and the potential hazards leading to recalls, and even venture into future cosmic events and AI predictions, providing a fascinating blend of industry insights and personal anecdotes. Tune in for a well-rounded and informative discussion! Timestamps 0:00 Introduction 2:15 4th of July update 4:43 Today's wines: Trentacoste Primitivo di Manduria and Altos las Hormigas Malbec 7:58 Today's topics 9:27 Breaking News: Marsch agency is buying Chicago's Horton Agency 12:56 Talking about USA election and debate 16:18 Other purchases by MMA 18:00 10 risks facing insurance article discussion 35:46 Cat bond record growth 38:27 Recall of the week: Hatch Baby power adapters 42:25 Fact of the week quiz 44:41 Searching about the next years on google image Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Can cutting-edge technology revolutionize the insurance industry? In this compelling episode we explore transformative innovations with special guest Luke Aslesen as he introduces his visionary platform, INFRMD, which demystifies employee benefits through short, engaging videos. We also explore Ascend's groundbreaking approach to premium financing and billing processes, addressing credit risk and streamlining premium collections in ways you won't believe. Amidst the tech talk, we share some light-hearted moments about team camaraderie and the joy of shared experiences, underscoring the power of teamwork in our professional lives. Luke takes us behind the scenes of creating a professional video library aimed at educating employees about insurance. What began as a simple idea from a prospect meeting three years ago has grown into an expansive library of 125 high-quality videos. The result? A Netflix-style platform that has resonated deeply with clients. Luke reflects on the lessons learned, the importance of persistence, and the iterative nature of content creation—all while maintaining a sense of humor about the bumps along the way. As we shift our focus, we delve into the broader challenges and future opportunities in healthcare and insurance education. From the inefficiencies in the U.S. healthcare system to the soaring costs of medical insurance, we emphasize the importance of preventive care and better benefits education. The potential impact of AI in healthcare insurance is also dissected, offering a hopeful vision where technology supports rather than replaces human professionals. To round out the episode, we tackle pressing issues like social media regulation and battery safety, all while providing a lively preview of an upcoming debate with Biden, humorously cheeky yet packed with thoughtful insights. This episode is brimming with valuable information, humor, and a shared commitment to driving innovation. Don't miss out! Timestamps 0:00 Ascend AD 2:13 Introducing Luke Aslesen 4:10 Today's drink: Woodford Reserve Bourbon 5:52 How Luke got into the insurance business and started INFRMD 12:43 What has Luke learned so far and what he would do differently 13:59 Attracting new business while educating on insurance benefits 18:02 Main issues in the health benefits education 26:19 How to stay informed about the health insurance space 27:20 What changes in society and lifestyle should a health insurance education seek 38:06 Discussing the future of AI in healthcare 44:07 Lithium battery fires in South Korea 46:01 QBE's premium rise 48:38 New York moves to limit addictive social media feeds for kids 52:19 True or False Quiz 54:21 Recall of the week: MyCharge portable chargers Connect with RiskCellar: Website: https://www.riskcellar.com/ Connect with Luke Aslesen LinkedIn: https://www.linkedin.com/in/lukeaslesen/ Website: https://www.getinfrmd.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Join us this week as we reflect on our enriching experiences from a recent international conference in Amsterdam, where we delved into the future of retail opportunities for European micromobility companies. We share our thoughts on the vibrant cityscape, our modest Airbnb stay, and a memorable biking incident involving a train. This chapter is packed with professional insights and cultural exchanges that made our trip truly unforgettable. As we transition back home, we discuss the launch of Emerald Bay and Arrowhead's new commercial earthquake facility and the emerging Texas Stock Exchange. We also touch on the humorous moments and challenges of long flights and post-travel recovery, including a funny Venmo exchange after a much-needed massage. Plus, hear critical insights from the Marsh CEO on industry innovation and the potential liability reinsurance crisis. Lastly, we explore the transformative power of AI in the insurance industry and the specific nature of parametric insurance, particularly for earthquake and flood risks. Listen in as we discuss the challenges faced by Managing General Agents (MGAs) and the potential impact of the proposed Texas Stock Exchange. We also share our thoughts on the evolving landscape of jury verdicts and the future of reinsurance risks. Don't miss this engaging episode filled with professional wisdom and light-hearted anecdotes. Timestamps 0:00 Introduction 1:48 Updates on the Amstedan Micromobility Conference 6:39 Today's wine: Marques de Caceres Reserva 12:39 Today's topics 13:57 Emerald Bay launching an Earthquake Insurance Facility 17:50 New Texas Stock Exchange 22:19 Marsh's CEO critizes the insurance industry for its lack of innovation 25:27 Will agents who use AI replace agents who don't? 28:35 Quiz: TRUE OR FALSE 29:35 Will there be a liability and reinsurance crisis in a couple years? 32:17 One funny story from Amsterdan 35:22 Recall of the week: fire hazard motors Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Unlock the mysteries of insurance investments and get a front-row seat to Warren Buffett's strategic moves with us, Brandon Shue and Nick Harpin, on the latest episode of Risk Seller. We're peeling back the curtain to reveal how Ascend is revolutionizing premium finance agreements, ensuring agents can stay ahead in the ever-accelerating insurance market. Not just that, you'll get a personal glimpse into our worlds outside the office, from the dance recitals that test my patience to Nick's adventures on the golf course, proving that work-life balance can be as intricate as the topics we discuss. Grasp the subtleties of Buffett's latest chess plays as we scrutinize his increased stake in Chubb and what it means for the insurance landscape. You'll appreciate Berkshire Hathaway's unique position in the sector, armed with massive cash reserves and a strategic eye for long-term growth. Join the debate as we consider the implications of his shift from Apple and how current fire legislation could shape the industry's future. Finally, brace yourself for a rollercoaster of a conversation that swings from the solid ground of factual science to the dizzying heights of speculative technology. We'll muse over the challenges of AI and appliance recalls while charting a course for truth in our digital age. As we gear up for the micromobility conference in Amsterdam, we ponder the symbiotic relationship between cutting-edge tech and human wisdom in risk assessment. Whether you're an insurance buff, a tech enthusiast, or just looking for a hearty discussion with a dash of humor, this episode promises insights and anecdotes in equal measure. Timestamps 0:00.558 Intro: Ascend AD 3:15.687 Updates on the weekend 6:53.094 Today's wine: Portlandia 2001 Pinot Noir 10:14.238 Today's topics 11:12.337 Buffett's stake in Chubb 16:59.735 Legislation restricting lithium batteries in NY passed the House 23:22.235 Talking about InsurTech's and Swiss Re's withdrawal from iptiQ 27:22.042 Moody's forecast for insurance prices 30:42.013 Hurricane season's impact on the insurance world 32:47.519 True or False Quiz 39:37.309 Recall of the week: Electrolux refrigerator Frigidaire Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

We explore the transformative impact of Ascend's financial automation platform on the insurance industry. We reflect on the seamless integration of their technology in streamlining billing, collection, and accounting for retailers, particularly when managing down payments for premium financed accounts. The conversation takes a turn as we ponder the complexities of handling claim payments involving mortgage companies, considering how Ascend could potentially address this intricate issue. Throughout the discussion, personal anecdotes and light-hearted moments provide a human touch to the otherwise technical insurance talk. In our lively chat, we delve into current insurance challenges, including the real-life implications of the Zoom class action lawsuit and the fading trend of the Houseparty app. We shift gears to discuss the serious issue of homeowners in Texas struggling to secure true replacement cost insurance coverage, revealing the gap between market values and coverage limits. Our discourse extends to the halted scrutiny of mortgage loans by Freddie and Fannie, and the debate surrounding insurance policies for aging roofs, enriching the conversation with personal experiences and thoughtful insights. Rounding out our discussion, we share our appreciation for a beautiful Farina Valpolicella Rapasso wine, and how such simple pleasures interweave with family dynamics during a bike trip to the store. The episode also touches on the competitive spirit within our families and how our children handle the thrills of victory and the lessons of defeat. We wrap up with contemplations on economic volatility and the importance of resilience in the face of unpredictable events like the 2008 financial crisis and the COVID-19 pandemic, offering listeners a mix of personal reflections and broader economic considerations. Join us for this multifaceted conversation that bridges the nuances of insurance, family life, and the uncertain nature of our future economy. Timestamps 00:00 Ascend AD 2:51.184 Intro 3:24.528 Updates on last week 9:24.625 Today's topics 11:55.180 Freddie and Fannie's plan to scrutinize mortgages 17:04.896 Shifts in the jury pool for nuclear verdicts 21:33.090 The 10 major risks in insurance today 24:37.147 (Today's wine:Tarina Valpoliccela Ripasso) 29:27.756 Should we get reacquainted with unprecedented economic shocks 33:41.264 The housing problem and high interest rates today 36:19.741 Lloyd's zoombombing case 38:38.891 Recall of the week: DR Power leaf blowers 40:59.177 Discussing Trump's trial for Stormy Daniels pay-off 43:35.612 New segment: true or false? 45:30.967 Insurance jokes Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

We dissect the complexities of non-compete and non-solicit agreements and how these contracts could be reshaped by recent FTC rulings. Discover how such constraints influence innovation, employee mobility, and wages across various industries, and hear firsthand accounts about the tricky nature of enforcing these legal bindings. We also examine the potential benefits and detriments of the FTC's proposed national ban on non-competes and its wider implications for the business world. We've all heard the courtroom dramas, but what happens when those dramas spill into real life, affecting wages, innovation, and the freedom to switch jobs? That's what we're unpacking in this episode. From the medical device industry's laser-focused contracts to insurance's preference for non-solicit agreements, we dissect the potential impact of the FTC's proposed ban on non-competes. And hold onto your hats—we're diving into the litigious nature of these agreements, sharing frontline experiences from the trenches where business and law collide. Finally, we don't just stop at contracts and courtrooms - we also tackle the significance of honest trade practices and supply chain transparency. The conversation turns to the repercussions of deceptive labeling, as seen in the recent Williams-Sonoma FTC fine, and the broader conversation about the value of American-made products. We explore the ethical, environmental, and economic factors that play into the manufacturing decisions of businesses and the ripple effect these choices have on our society. Tune in to Risk Seller for a full-bodied discussion that's as rich in legal expertise as it is in storytelling. Timestamps 00:00 Introduction 3:47 Basketball and today's wine: Malbec Trivento Golden Reserve 8:49 Today's topics 10:27 Chubb's CEO Evan Greenberg picks on underwriting practices 14:07 Introducing Pam and her work 18:00 New FTC rule banning non-compete agreements nationwide 20:31 What is a noncompete agreement and who does it apply to? 23:49 Will the FTC rule affect judicial decisions? 26:51 How noncompete agreements affects low income and entry level jobs 31:19 Does the FTC ban lead to non-solicit banning as well? 39:32 Some issues with non-solicit for workers and clients 49:49 Solicitation agreements in California 53:52 What would change in the insurance industry if non-solicit was banned 56:08 Williams-Sonoma fined $3.1 million for false "Made in USA" claims 1:02:17 Recall of the week: Crossman Air Rifles 1:04:53 Ending Connect with RiskCellar: Website: https://www.riskcellar.com/ Pamela Abbate Dattilo: LinkedIn: https://www.linkedin.com/in/pamela-abbate-dattilo-40740a17/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Ever wondered how a glass of fine wine could be as intriguing as the evolution of the Lloyd's insurance market? Well, pull up a chair and join me as Justin Whitehead, the Casualty King from Howden, spills the beans. From his "slip boy" days to witnessing Lloyd's remarkable turnaround via the Decile 10 initiative, Justin's journey is as rich and complex as a vintage Bordeaux. We'll traverse the social traditions of broking's past, the magnetic draw of Lloyd's for new talent, and the pivotal role of brokers and underwriters in meeting today's insurance challenges head-on. Pour yourself a glass of the accessible yet delectable vintage we're discussing this episode and get comfortable. Our conversation takes an unexpected turn to the Japanese influence on the wine and whiskey markets, mirrored by cultural references like 'Drops of God'. But it's not all about the bouquet and body—there's an update on Lloyd's market health, the gravity of litigation finance on US jury verdicts, and how cloud seeding in Dubai could rain on the traditional insurance parade. Finally, we take a road trip to the insurance battlegrounds of California—wildfires, litigation climates, and the recent deluge threatening to kindle future flames. We'll tackle the $345 million summary judgment rocking the industry and unbox the rise of standalone sexual abuse insurance products amidst a wave of litigation. It's a blend of lighthearted banter and earnest dialogue with Justin Whitehead that promises to be as enlightening as it is entertaining. Join us, and let's toast to the stories behind the policies and the people shaping the world of risk. Timestamps 00:00 Introducing Justin Whitehead 5:18 How has Lloyds changed since the 80s 8:54 Today's wine: Chateau Vermont 14:10 Market update on Lloyds: great 2023 and plans for talent attraction 19:02 The importance of messaging in the insurance space 24:50 The problems with litigation financing today 31:10 Are the good numbers from 2023 sustainable moving forward? 37:26 The problem with California, Texas, and other insurance exclusions today 43:44 Claim of the week 46:47 Recall of the week: Intimidator Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Ever wondered how the high-speed evolution of digital communication is reshaping the way organizations convey their messages? Liz Sheets, a master of strategic communications and our Chief Growth Officer, brings her razor-sharp insights to this very topic. Join us for a riveting exploration of the complexities and challenges that come with keeping pace in a world where platforms like TikTok hold sway over advertising and public perception. We're peeling back the layers on targeting precision, the legal and societal impacts of social media, and how technological advancements are interwoven with our everyday experiences. Diving headfirst into the deep end of artificial intelligence, we confront the anxiety surrounding AI in the insurance industry and beyond. Could these advances spell the end for certain job roles, or are they simply catalysts for a new era of human-machine symbiosis? ChatGPT makes a guest appearance in our discourse as we examine how AI can spark creativity and lend a helping hand, all while debating the irreplaceable value of human oversight and ingenuity. It's a conversation that balances the scales between the risks and rewards of a future brimming with AI potential. Our wine selection for this episode is the Dubourdieu Liaison Sauvignon Blanc, a tantalizing blend of Sémillon and Sauvignon Blanc from the esteemed Bordeaux region in France. This wine emanates a captivating fusion of kiwi and white-fruit flavors, underscored by a tantalizing aroma reminiscent of honeysuckle, honey, and citrus. Its balanced acidity and dryness make for a memorable tasting experience, with subtle notes of pear, grapefruit, and grass dancing on the palate. Cheers to the artistry of Bordeaux winemaking! Finally, we navigate the shifting sands of workplace dynamics, examining how remote work has morphed our ideas of productivity, culture, and generational preferences. From the unexpected eagerness of millennials to return to the office to the demands of managing family life alongside a career, this episode paints a vivid picture of the ever-changing corporate landscape. It's a heartfelt, eye-opening discussion, perfect for anyone with a stake in the future of work, culture, and connection in this brave new digital epoch. Timestamps 1:19 Introducing Liz Sheets and what Tunheim does 4:27 Assessing the social media space and communications today with AI 10:38 Should we age gate social media? 15:07 How is AI disrupting jobs in communication and insurance 22:03 Did the hybrid work model win after Covid? 27:31 Generational differences regarding work models and how companies should approach it 36:57 Are clients dealing with more new and unanticipated risks today? 40:27 Ascend Ad 41:59 Today's wine: Dubourdieu Liaison Sauvignon Blanc 46:50 Update on Trump's bond case 47:24 Zurich Insurance stops underwriting new fossil fuel projects 48:16 Recall of the week: Black and Decker steamer Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Listen in as we tackle some of the most electrifying and pressing stories of our time, from the scandals rocking the celebrity world to the unforeseen consequences of disasters. We kick things off with the startling news surrounding P Diddy, discussing the FBI raids on his properties and the serious charges he faces. The atmosphere shifts between grave concern and 90s nostalgia as we try to unravel the potential fallout of these allegations and his mysterious disappearance. Moreover, we bring you up to speed on the complexities surrounding a bridge collapse, highlighting the heroic actions of the crew and the financial shockwaves sent through insurance giants like Chubb and AXA XL. In a heartfelt turn, we share personal stories from our lives that intersect with the day's topics. You'll hear about my daughter's sailing classes, bringing a unique, intimate perspective to the maritime accidents we dissect. We then soar into the world of aviation, discussing Boeing's recent challenges and the nuances of transportation risks. The conversation gets even more grounded as we examine State Farm's policy upheavals in California, navigating the treacherous waters of insurance in the face of natural disasters and state regulations. Finally, let your imagination take flight with our musings on the future of technology and the emotional journeys of our pets, particularly a cherished blind and deaf pug. As we speculate on the impact of groundbreaking AI like ChatGPT 4.5, we also prep you for the marvel of an upcoming solar eclipse and the frenzy it's stirring in Hill Country, Texas. Wrapping up with a foray into the financial world, we discuss the surprising twists in the stock market, including the developments with Trump's Truth Social platform. This episode is a tapestry of poignant reflections, high-stakes analysis, and forward-thinking speculation. Timestamps 00:00 Today's topics 1:49 Sean Combs lawsuit and raid to his properties 7:47 Today's wine: La Enfermera 11:18 Baltimore bridge collapse 21:02 FAIR Plan State Farm won't renew 72000 California home policies 25:50 Talking about dogs 29:06 Lunar eclipse in Texas 31:40 Update on Trump's trial: bond reduced to $175 million 34:14 Ascend sponsor 34:50 Recall of the week: Ravin's crossbows Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Pour a glass and nestle in as we welcome the legendary Zach Freeman to the show, swirling a robust 2021 Earthquake Zin between tales of early sports podcasting glory and tech nostalgia. Our palates dance with the notes of blackberry and huckleberry, while laughter ensues over the surprise presence of huckleberry—yes, huckleberry—in our glasses. Zach takes us on a stroll down memory lane to the days of MySpace hustles and those unforgettable AOL Instant Messenger dings, capturing the essence of a bygone digital era. The conversation takes a sharp turn as we sift through the murky waters of data privacy, with TikTok's current debates at the forefront. We dissect the ethical quandaries of insurance companies and data sharing, while pondering the cultural ramifications and national security concerns of TikTok's Chinese ties. It's a candid debate that balances the scales of capitalistic liberties with the weight of international policy and America's media stance against China's restrictive practices. Shifting gears to close, we delve into a South Florida man's insurance predicament, a cautionary tale of OnStar's unsolicited data sharing. This opens the door to a broader conversation about the automotive industry's handling of our personal information, set against the backdrop of European and Californian data protection laws. We wrap up with a peek into AI's expanding role across industries, speculating on its potential to reshape creativity and generational dynamics, all while keeping the chat light with local business quips and the latest consumer recalls. Join us for these vibrant discussions, where the wine flows as freely as the banter. Timestamps 00:00 Today's wine: 2021 Earthquake Zinfandel 3:44 Introducing Zach Freeman 7:26 Today's topics 8:37 TikTok ban in the US 14:03 Illinois insurance agency sentenced for swindling premiums 15:50 Trump's trial on overvaluation of property in NY 19:02 Alexa driving data leading to spiking rates in insurance 26:20 The future of insurance agencies with AI 35:00 Recall of the week: Best Buy's air friers Zach Freeman LinkedIn: https://www.linkedin.com/in/zacharybfreeman/ Bio: https://www.christensengroup.com/team/zachary-freeman Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Ever fancied a trip to the rolling vineyards of southern France, complete with a glass of exquisite Merlot, without leaving your living room? This episode swirls around the heady aromas of a 2021 Rassoul vintage, but that's just the prelude to an intoxicating exploration of the insurance industry's latest gyrations. We're uncorking the complexities of AM Best's ratings dance, Trump's bond buzz, and Lloyd's impressive performance in 2023. Alongside this, we're sifting through the calls for oversight in the murky world of litigation funding. Paired with tales of southern France, our musings are bound to whet your appetite for both the finer things and the financial intricacies that shape our world. The scene shifts as we navigate the intricacies of insurance ratings, likening the tension of downgrades to the final minutes of a football match facing relegation—case in point, Pie Insurance Group's recent slips and stumbles. Bain Capital's strategic leap into GuideOne and lingering echoes of Mitt Romney's tenure at Bain adorn our conversation. We also share insights from our guest expert, who lifts the veil on Lloyd's of London's secretive syndicates and their storied successes. This chapter is a masterclass in decoding the signals sent by credit rating agencies and sifting through the sector's strategic plays—from GuideOne's unique market stance to the peculiarities of Lloyd's inner workings. Our talk takes a more serious turn, delving into the significant turnaround at Lloyd's of London and the post-pandemic silence within the walls of its iconic building. A reflection on American attitudes towards legal reforms and the disproportionate gains enjoyed by litigation funders over plaintiffs marks a sobering discussion. We wrap it up on a cautionary note, dissecting urgent recalls that hit close to home: the Jule Baby Nova baby swings and Anchor's lithium-ion battery-powered coolers. The perils of product safety are not taken lightly here, as we navigate the fine line between innovation and consumer protection, all while dishing out relatable nuggets about life's little challenges. Join us for an episode that promises more than just a sip of knowledge—it's a full-bodied experience. Timestamps 0:41 Today's wine: Luc Pirlet Reserve Merlot 3:56 Today's topics 5:17 AM Best downgrades 12:14 Trump posts $91 million bond and files notice of appeal in E. Jean Carroll case 17:39 Lloyds profits in 2023 21:38 Litigation Funding Survey: mostr americans want legal reforms against litigation funding 24:48 Recall of the week: Jool nova baby swing 28:19 Second recall: Anker's coolers Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Sip the rich flavors of Washington's Columbia Valley and unravel the complexities of healthcare and cybersecurity with us, as Christopher Logan, our wine-loving colleague, brings both his palate and expertise to the table. While our glasses brim with the notes of a peppery red blend, we'll transition from the lighthearted art of wine tasting to the sobering challenges facing Americans in the healthcare sector. From the rising costs that send individuals to food pantries to the chilling tales of insurance fraud, we traverse a gamut of issues that underscore the need for innovation and protection in an industry that holds our wellbeing in its hands. Enter the shadowy world of ransomware attacks on healthcare systems, where RT's cutting-edge solutions shine a light on the path to resilience. My former private investigator self emerges, regaling with tales of trees thrown by the 'disabled', encapsulating the surreal world of insurance fraud. We then peek into Tesla's ambitious dive into the insurance industry, weighing their high-stake losses against the backdrop of the electric vehicle market's financial turbulence. Our musings on biometric gun safes take a turn from serious to amusing as we recount the frustrations and failings of technology that promises safety but doesn't always deliver. Raising our glasses, we herald the advent of Risk Seller LLC, our latest endeavor aimed at transforming the face of risk and insurance. As we laugh, reflect, and debate throughout the episode, it's the spirit of innovation and the shared journey with our audience that truly invigorates us. Join us in this episode that's as rich and varied as the wine we sample, leaving you informed, entertained, and perhaps a little more guarded in our increasingly digital world. Timestamps 1:29 Today's wine: Intrinsic 2021 red blend 6:23 introducing Christopher Lokken 9:27 Today's topics 10:57 Huge Texas wildfires 15:30 Woman loses injury claim after being pictured winning Christmas tree-throwing contest 21:08 RT Specialty adds cyber liability to Its proprietary digital platform 23:26 Chris' take on the National Healthcare ransomware and cyber liability 34:11 Optum's growth and discussion about antitrust 38:38 Tesla's insurance reports growth 45:47 Recall of the week: biometric gun safes 52:31 Officially announcing our new sponsor Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

As Nick and I tackle the complexities of a Fableist 373 Cabernet Sauvignon, we find ourselves diving into more than just the notes and finishes of our chosen vino. We discuss the stormy relationship between climate and the insurance industry, where hailstorms now rival hurricanes in their capacity for chaos. The episode uncorks discussions on the roofing innovations that could stand up to Mother Nature's wrath, and the financial fermentations represented by Aon's and NFP's merger, all while considering the potent blend of climate on the very grapes in our glass. Every good story has its twists, and the leadership shake-up at Lockton Insurance is no exception. With the departure of CEO Peter Clune, we probe the possible undercurrents of this significant change and speculate on the future direction of the world's 10th largest brokerage. And amidst these seismic shifts, we can't help but address the forecast for a hurricane season that promises to be as memorable as the Cabernet on our lips - a swirl of meteorological predictions and legislative changes, like Florida's stance on litigation funding, that could redefine the landscape of the legal system. Our conversation may start with wine, but it's the tales of trial attorneys and the unexpected round of February golf in Minneapolis that add flavor to our discussion. We admire the finesse of courtroom combatants and their ability to weave narrative and knowledge into a compelling argument. And, as we raise a glass to the quirky intersection of legal drama with pop culture - from 'My Cousin Vinny' to 'Catch Me If You Can' - we toast to the shared moments that keep us connected, to both the tales we tell and the trials we withstand. So, join us, glass in hand, for an episode that pairs life's unexpected twists with the timeless pursuit of a good story. Timestamps 0:00 Today's wine: Fableist 373 The Ant and the Cicada 4:11 Today's topics 4:56 Hail storms in the US and roof materials appropriate for insurance 10:23 Current state of AON's purchase of NFP and Point Capital's purchase of Truist 13:45 Zurich adds $300m top cat layer for Europe to 2024 reinsurance arrangements 16:11 Lockton CEO Peter Clune exits the company and will be replaced by Ron Lockton 21:33 AccuWeather Warns of Potential ‘Super-Charged' 2024 Hurricane Season 26:17 Florida pushing against litigation funding 30:52 Talking about attorneys, bars, and Curb Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Join us as we uncork the fascinating world of wine with Leslie Miller, founder of Amusée and Sip Better, who shares her journey of entrepreneurship and her passion for making wine accessible. Leslie takes us through her storied 20-year adventure, from the inception of her first company to her days managing a Keystone Resort restaurant and her role at Archery Summit in the Willamette Valley. She brings us back to her Midwestern roots, detailing how her love for the story behind each bottle of wine inspired her return to Minneapolis, where she continues to cultivate a sense of community through her ventures. Leslie's insights reveal the joy and approachability of wine, whether enjoyed as a thoughtful gift, the centerpiece at dinner parties, or as a simple personal indulgence. Listen in as we raise our glasses to the complexities and pleasures of Italian wines, and the confusion surrounding Montepulciano, a grape that doubles as both a place and a varietal. Discover why wines from regions like Abruzzo offer both quality and affordability compared to their more renowned Tuscan neighbors. Our discussion meanders through personal Italian travel tales, touching on the magic of enjoying wine in its birthplace and the broader impact of climate change on vineyards from Tuscany to Napa Valley. Plus, don't miss the enlightening wine tasting tips as we recommend a Montepulciano that promises to delight fans of full-bodied varieties. Wrap up your experience with a segment that takes an unexpected turn into the insurance world, highlighting the legal battle between Uber and American Transit Insurance Company, and the peculiar case of a lawyer caught in illicit fund transfers. We debate why the tightly regulated insurance industry remains an alluring target for fraudsters. As we contemplate the talent crisis facing insurers and Lloyd's of London, we also examine Google's foray into risk management with their Lloyd's and Apollo partnership. And because we like to balance the professional with the personal, we'll even toast to a little wine chat to end on a spirited note. So, pour yourself a glass and tune in for a rich blend of business acumen, storytelling, and a taste of the vine. 0:00 Introducing Leslie and her professional history 3:51 The founding of Amusée and Sip Better 6:52 Talking about the North Loop of Minneapolis... and the best restaurant in town 10:35 How does Sip Better work? 11:43 Does wine have to be expensive to be good? 14:01 Montepulciano wine: its origins and price points 16:48 Do some wine produce less hangover than others? 17:59 Climate change, wine production worldwide, and insurance possibilities 21:18 What goes into the valuation of a wine collection and how to insure it? 27:31 Talking about today's wine: Illuminati Riparosso Montepulciano D'abruzzo 30:50 How does climate temperature affect the wine's taste and alcohol percentage 33:46 Wine tasting: tips on how to harmonize with food 38:20 Uber's lawsuit against ATIC in NY 41:30 Beaufort Lawyer Pleads Guilty to Transferring Millions of Dollars to Prevent Seizure 44:51 Lloyd's using TikTok to attract new workers 49:10 Google pairing up with Lloyd's Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Join us as we kick off with a whimsical wine tasting, trying out a Chardonnay that hails from Yolo County, affectionately named "69 Miles." While we're candid about our preference for reds, we don't hold back on sharing our thoughts about this perfumatic white's tropical and vanilla notes. But wine enthusiasts, beware – we have a hunch that this one might come with a side of regret if you overindulge. Our tasting may have started on a light note, but we swiftly pivot to the more sobering topic of insurance headlines, discussing the repercussions of the controversial Muddy Waters Report on Fairfax, the financial aftermath of uninsured flood losses in California, and the unfortunate blaze at Lutzen ski resort. Stick around as we also share some insights on local brokerage developments right here in Minnesota. Now we don't just sip and savor – we scrutinize and speculate. The conversation heats up with a thorough examination of the serious allegations levied against Fairfax Holdings by Muddy Waters. Listen in as we unravel the complex tapestry of accounting practices and investments that have stirred up the insurance world, while reminiscing about personal encounters with Fairfax's executives. The stark comparison between Fairfax and the colossal Berkshire Hathaway sets the backdrop for a rich discussion on the nuances of the insurance industry's reaction to these claims. Wrap up this episode with us as we reflect on the broader industry trends and generational shifts. We ponder the potential oversaturation of brokerage firms in the Minnesota market, questioning the space for new entrants amidst industry giants. Moreover, we dive into the changing media landscape and its impact across generations, contrasting the social habits of Gen Z with millennials, and chuckling over our own trysts with LinkedIn content creation. So pour yourself a glass (red or white, we won't judge) and tune in for a blend of light-hearted banter and in-depth industry analysis that you won't want to miss. Timestamps 0:00 Today's wine: Yolo county chardonnay 3:21 Today's topics 4:05 Muddy Waters report on Fairfax manipulation of asset's values 11:41 Floods and natural disasters in California where most people are uninsured 16:55 Burnt lodge in Lutsen, Minnesota 23:09 Talking about Superbowl 25:26 Shoutout to Riedell's roller skates 29:01 New brokage in town in Minnesota: is there room for a new firm in a saturated market? 33:55 Who performs better today: generalists or specialist sellers? 38:58 Talking about Fargo, Curb, and gen Z habits 43:24 Social media, depression, and age gating Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Join us, Nick Hartman and Brandon Schuh, as we uncork the complex world of wine and spirits, tasting a bold Cabernet Sauvignon and discussing the rich heritage of peat in scotch production. We savor the nuances of dark berries, herbs, and chocolate in our Argentine Cabernet while reflecting on the environmental impact of peat and the intriguing process of its transformation. Our palates then brave the intense flavors of a 120 proof Isla scotch, rounding out our journey through the spirited world of fine alcohol. Listen in as we navigate the ever-evolving insurance landscape, tackling everything from coral reef protection in the South Pacific to the challenge of soaring auto insurance rates. With a nod to the Lau Group islands' pioneering parametric insurance policy, we explore how insurers are adapting to a more granular risk management approach. Then, we switch gears to discuss the contentious issue of adverse verdict coverage and the broader economic implications of underinsured motorists. Plus, don't miss our take on the state of the reinsurance market and our critique of a questionable insurance savings article. In the final leg of our episode, we discuss the insurance industry's allure as both an investment hedge and a career path, considering the impact of insurtech and algorithmic underwriting on traditional practices. Our conversation touches on everything from job growth to the whims of the Federal Reserve, the high stakes of the consumer discretionary sector, and the complex housing market dynamics post-COVID. Wrapping things up, we share our thoughts on the future of podcasting, with a side of humor from "Curb Your Enthusiasm," and reflect on personal anecdotes about keeping belongings safe in the dating world. Timestamps 00:00 Today's wine: Cabernario #5 Cabernet Sauvignon 7:07 Today's topics 7:46 WTW's new parametric insurance protection for endangered coral reef systems and the granularization of the insurance industry 10:19 Talking about adverse verdict coverage as an example of individualized insurance 12:26 High auto insurance rates and lack of carriers accepting new business in personalized right now 18:21 Global reinsurance returns scenario: which sectors gave the most returns? 23:01 Algorithm underwriting: what is it good for and who does it favor? 30:29 Nick's hot take on coral reef insurance 31:44 Talking about Curb your Enthusiasm, and a hot take on dating 35:15 Smartlist podcast sold for 100 million, and the future of podcasting 38:01 Talking about bars and college life Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Have you ever found yourself lost in the bouquet of a fine wine, only to have your reverie interrupted by thoughts of your insurance policy? We kick off with a sip of Chateau Vivonne Bandol Rosé, unraveling its fruity undertones and organic roots, all while tying in the ebbs and flows of the insurance market. From property peaks to auto adjustments and the peculiar dip in workers' compensation costs, we've got your curiosity covered—and perhaps, your assets too. But it's not all sipping and swirling; we're peeling back the layers of today's work culture, revealing the burnout that simmers beneath the surface. With tales from our own lives, we delve into the paradox of yearning for meaningful work while grappling with the fatigue that the remote work era has ushered in. We don't shy away from the tough conversations, discussing the often-overlooked side effects of telecommuting, from corporate culture shifts to the looming specter of 'quiet quitting' and industry layoffs. Rounding out our discussion, we light up the topic of captive insurance with a touch of humor and a dose of reality. The cannabis industry's dance with regulation serves as the backdrop for a robust conversation on Minnesota's latest twists and turns in legalization. As we navigate through THC-infused conundrums and liquor liability, we also ponder the cancer risks lurking in everyday products with a laugh and a hope for the best. Join us as we toast to an episode brimming with market insights, heartfelt confessions, and a candid look at parenting in the mix of it all. 0:00 Today's wine: Chateau Vivonne Bandol Rose 2:32 Weekly market update 5:30 Today's topics 6:24 Discussing burnout: is it about jobs or is it a mental health crisis 11:55 Remote workers are more likely to be laid off 16:43 What are captives and what are the main misinformation about it today 24:38 Do captives make sense for cannabis industry insurance? 26:22 Cannabis regulatory body resignment episode in Minnesota 29:23 Cannabis related laws in Minnesota and its effects on the insurance industry 34:08 Will cannabis be legalized federally 37:25 Talking about the J&J talc lawsuit settlement Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Sipping on the bold flavors of Chateau Dalem 2019 Fronsac Bordeaux, we find ourselves entwined in a tale as rich as the Bordeaux in our glasses. Our latest episode kicks off with an unexpected networking story from Total Wine, proving how the insurance industry can be just as interconnected as the fine vineyards of France. While we indulge in our shared passion for a good vintage, we uncork the pressing issues of ESG scores and DEI practices. Insurance companies aren't just about policies; they're potentially steering the corporate world towards sustainable and inclusive futures, and we're here to discuss how. Ever wondered how the litigation financing landscape is starting to reflect the high stakes of venture capital? We've got you covered with a robust discussion that peels back the layers of this evolving trend. It's changing the game for plaintiffs and attorneys, with insurance companies caught in the crossfire, wrestling with rising risks and costs. We share strategies that could help insurers keep their footing, including reinsurance's subtle yet powerful role in auto insurance rates. Imagine a world where strategic risk management is as nuanced as choosing the perfect wine for your steak dinner—that's the world we're exploring. We round off our episode with a thoughtful debate on the ethical quandaries AI plunges us into, especially when it comes to plagiarism. The New York Times' spat with large language models over content scraping is just the tip of the conversation iceberg. And if you think that's all we've got in store, just wait until we get into the nitty gritty of reinsurance and catastrophe bonds. It's a topic that promises to be as engaging as it is informative, sprinkled with the same humor and charm you'd expect from a night out with old friends. So pour another glass, and let's toast to an episode that's as enlightening as it is entertaining. 00:00 Introduction: Chateau Dalem 2019 Fronsac Bordeaux 5:18 An overview of the ESG problem today and its impact on the insurance business 13:24 What's causing the double digit increases in the auto insurance 20:25 A wine/priest joke: talking about religious advices 23:31 New York Times sues OpenAI 27:43 Will AI be as disruptive as most people believe? 29:30 How are hedge funds making profits betting on catastrophe risks 33:20 Texas strict liquor laws 34:50 Ideas for the podcast in the future Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Have you ever considered the delicate dance between enjoying a robust Cabernet Sauvignon while debating the intricacies of current events? That's exactly what we do, kicking off with a candid discussion about the art of wine tasting, flavored with a personal touch as we share our thoughts on a standout Carmen Gran Reserva Cabernet Sauvignon. We caper through our wine-buying escapades, weather-induced borrowing from neighbors, and throw in a playful squabble over regional climates for good measure. The FAA's ongoing investigation into Boeing 737 MAX issues takes flight in our conversation, sprinkled with humor despite the gravity of the topic. We also cruise into the future of transportation with autonomous taxis, and tackle the rough play concerning California's proposal to ban youth football. It's a mix of lighthearted banter and serious discussion, as we also look at the repercussions of big business mergers in the insurance sector and how they could shake up the market landscape. As we raise our glasses to the future of this podcast, there's no holding back on the predictions for the property insurance industry amidst the tempest of severe weather and rising claims. We debate the fate of all-risk property policies and the spike in specialized coverage, providing a peek into the shifting tides of underwriting and risk management. All this, rolled into an episode that's as rich and complex as the wines we love to savor. 00:00 Introduction: Tasting a Gran Reserve Cabernet Sauvignon Cab Franc 2021 4:06 Introducing Risk Cellar Podcast 7:06 Today's topics 8:16 Talking about the accident with Boeing 737 Max and its impacts on the aviation insurance market 13:55 How the entrance of autonomous vehicle services will change the insurance space 18:09 California's proposal to ban youth football and the problem of concussions 27:01 Changes in the modern property insurance market due to climate change 36:26 Discussing Aon's acquisition of NFP Connect with RiskCellar: Website: https://www.riskcellar.com/ Brandon Schuh: Facebook: https://www.facebook.com/profile.php?id=61552710523314 LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/ Instagram: https://www.instagram.com/schuhpapa/ Nick Hartmann: LinkedIn: https://www.linkedin.com/in/nickjhartmann/

On this week's pod, Brandon talks with Madison Rifkin. Madison (Madi) started “Mount” when she was 12 years old. It's been through a variety of iterations – growing with Madi – to it's current version: an accommodation sharing bolt-on to equip the traveler with whatever they need. From gear to equipment – Mount is meant to be a way for the Airbnb traveler to have anything they want, during their travels, at their fingertips. Enjoy the episode.

Mark Parsky (of McVey and Parsky LLC) is based in Chicago and represents manufacturers, retailers and insurance companies across the USA. There are likely few firms in the country that have tried more cases to verdict than McVey and Parsky. My relationship with Mark goes back to the early 2000's where Mark and his firm acted as defense counsel for me – trying ladder cases around the country and acting as our national counsel. We wanted to touch on litigation trends and specifically the increasingly popular trend of litigation financing (an investment from outsiders that bet on the outcome of a case and fund it). With major verdicts being seen across the country, the American legal system is facing an identity crisis. Thanks for listening and enjoy the show.

Katie is a career insurance professional and has been on a unique journey starting as an adjuster with a heavy emphasis on auto liability to working at Lyft to now working a growing shared economy rental provider called Zeeba. She moved out to San Francisco when she was 16 searching for something new and she's had a lot of great experiences along the way. Katie is now the Director of Claims and Insurance for Zeeba and putting an insurance infrastructure in place to continue to grow her own experience alongside her company. We hope you enjoy the podcast – please remember to subscribe and listen to our other episodes and read our weekly newsletter!

Kersten Heineke is Partner at Mckinsey & Co. in the Center for Future Mobility practice. This area of McKinsey has about 200 people working on areas of connected mobility, Micromobility, autonomous vehicles, flying taxi's (wow) and more. Brandon sat down with Kersten to talk about what is happening in the space. From fundraising to profitability, we had a great conversation on where Micromobility is going and the sustainability of some of these new form factors. We hope you enjoy the show.

The London market has had its fair share of turbulence in the US primary casualty space over the years. So capacity has become an issue for insureds looking to London to place business; with only a small handful of players available. This is a particularly exciting interview for us here at Axe of Pod because we get to formally introduce a new partnership entering the space. It's the collaboration of two carriers – Inigo and Convex, forming a facility that we're going to call, Inivex (or maybe Innovex). Spelling TBD. Ed Wallis and Nick Waddell have graciously spent some time with us outlining this partnership with Justin Whitehead (Howden) adding a layer of context and history. Thanks to my guests and enjoy the program.

His week on Axe Of Pod, Brandon spoke to Lara Frankovic.  Lara is the head of US Liability at Hiscox and a great steward of the insurance market and ambassador to our next generation of insurance professionals.  Lara looks into her crystal ball and discusses how the market might change, what's happened to disrupt the market and how technology may play a future role in underwriting and broking.

Brandon Schuh sits down with attorneys: Michael Steinlage of Larson King and Elizabeth Burgess of Carr Allison to discuss the legal and insurance dynamics of an Active Shooter Event. The Problem: We are seeing more mass shootings and active shooter situations. This episode of Axe of Pod examines the types of liabilities that arise, how the law has dealt with these incidents in the past, insurers traditional approach, public policy consideration and insurance products that look at productive ways to transfer risk. We hope you enjoy the episode.

Richard Everall, the US Programs Focus Group Leader, joined Axe of Pod this week. Richard - like most of us in insurance - started out on a completely different path that includes Biology, Stem Cell Development and some good old fashioned Judo. Richard's group at Beazley works with quite a few areas of emerging risks and it was exciting to have him on to hear his takes on the future of the casualty market.

A lot has changed in insurance along with the world; and now with the Great Reopening happening, Insurance is undergoing some monumental shifts as it contemplates the best way to reemerge from the pandemic. No entity has had to adapt more than Lloyds of London. Today we talk to Chris Moore, Head of ibott Syndicate and Deputy Head of Casualty at Apollo. Chris talks to Brandon about how Covid has changed how ibott/Apollo does business. Chris also discusses the state of the current insurance marketplace and how data is playing a bigger and bigger role in how underwriting is done. The lack of companies ability to adapt in a data world is also playing a role in bigger verdicts (nuclear) and social inflation. We hope you enjoy the show.

In this week's episode, Brandon interviews Bryan Ovalle and Arun Gunasekaran from Jump Watts. Specifically focusing on what their technology can accomplish from a safety perspective. They have looked at some really interesting ways at rebalancing/repositioning and even standing upright e-scooters fleets. The rebalancing process, from an insurance perspective, is certainly one of the most challenging aspects of the micro-mobility space. We look forward to seeing how Jump Watts can make their mark!

Brandon Schuh interviewed Justin Whitehead for the Minnesota chapter of RIMS (Risk & Insurance Management Society) last week and we wanted to rebroadcast it here on the pod. Justin is the Head of Casualty for Howden Specialty (formerly RKH) in London. Howden is a Lloyds of London brokerage and Justin is a casualty insurance guru. Justin gave us a peak under the hood with some historical context and stories from Lloyds' past, a market update and analysis on the hardening marketplace, the impact of Covid-19, and some thoughts on the future of Lloyds.

John Wackman joins Brandon Schuh for an analysis on the current makeup of the supreme court along with our latest justice appointee - Amy Coney Barrett. We also discuss election litigation results, ACA litigation results and what the current makeup of the Federal, Appellate and Supreme Court means for business.

This week on the pod we talked to Derrick Mains, the President of Phat Scooters in Arizona. Phat is bridging the gap between the micromobility space the luxury personal transportation. With a sustainability awareness, Phat is attracting all kinds of people from movie stars to professional athletes to wealthy business icons. The company has such a great entrepreneurial story and interesting day-to-day encounters, that they are launching a docuseries on Crackle called “Riding Phat”. We're extremely excited to introduce our listeners to Derrick and Phat.