Podcasts about cpcu

In this week's episode of Insurance Town, I had the privilege of sitting down with my good friend Kelly Smith.Kelly is one of those people who has truly lived the insurance industry from every angle. She grew up in a family agency, spent time at the front desk, worked in personal lines, commercial lines, agency operations, underwriting, carrier sales, and now helps independent agencies grow through her work with FirstChoice.What I loved about this conversation is that Kelly's story is not just about insurance. It is about curiosity, hard work, education, family, leadership, and finding your place in an industry that can open a lot of doors if you are willing to keep learning.We talked about what it was like growing up in an independent agency, hiding under desks, messing with paper files, and learning the business from the inside out. Kelly shared how that agency background gave her a completely different perspective when she moved to the carrier side. She understood the urgency agents feel because she had sat in that seat herself.We also talked about her passion for education. Kelly shared a powerful story about being homeschooled, feeling behind academically when she started college, and how that experience fueled her desire to keep learning. Since then, she has earned multiple designations, completed her CPCU, and recently finished her MBA in insurance. The best insurance professionals don't just master one job. They learn the entire ecosystem. Kelly's career took her from an independent agency to the carrier side and now to helping agencies grow through a network. Each step gave her a new perspective that made her more valuable. Whether it's earning a designation, volunteering with an association, mentoring others, or simply staying curious, investing in your education compounds over time. Your next opportunity often comes from something you're willing to learn today. One of my favorite parts of the episode was our conversation about the next generation. Kelly's daughter recently attended risk management camp at App State, and we talked about how important it is to show young people that this industry is bigger than home and auto insurance. There are opportunities in sales, underwriting, claims, marketing, leadership, technology, agency ownership, and so much more.Kelly also shared what it means to be recognized as one of Insurance Business America's Rising Stars. Her humility really came through in this part of the conversation. She talked about being grateful for the opportunities she has had, but also wanting her story to encourage others, especially women and young professionals, to see what is possible in this business.00:00 Welcome 02:35 Born Into Insurance  06:00 Agency vs. Carrier: Seeing Both Sides  09:10 Can We Attract the Next Generation?  12:20 From Homeschool to MBA  17:45 Why Education Creates Opportunity  23:45 Leadership Through Service  26:00 Becoming an Insurance Rising Star  30:15 Helping Independent Agencies Grow  31:45 The Truth About Insurance Networks  35:45 Connect with Kelly  36:50 Sponsors & ClosingIf you're looking for one of the most innovative events in the insurance industry, check out Insurance Fest, hosted by Insurance Business America. It's not your typical conference. You'll hear from industry leaders, discover what's next in insurance, and connect with people who are helping shape the future of our industry. It's also where today's guest, Kelly Smith, will be recognized as one of Insurance Business America's Rising Stars, an honor that's incredibly well deserved. After hearing her story, I'm sure you'll understand why she's being recognized as one of the industry's emerging leaders.I'll be there as well, speaking on stage and recording a live episode of Insurance Town with Christina Lucas from Google. If you're planning to attend, come find us. Stop by, say hello, celebrate Kelly's accomplishment, and join us for the live podcast recording. I'd love to meet you in person.To learn more or register, visit Insurance Business America's Insurance Fest. I hope to see you there.SponsorsCanopy Connect1Fort AIViva  (00:00) - Welcome (02:35) - Born Into Insurance (06:00) - Agency vs. Carrier: Seeing Both Sides (09:10) - Can We Attract the Next Generation? (12:20) - From Homeschool to MBA (17:45) - Why Education Creates Opportunity (23:45) - Leadership Through Service (26:00) - Becoming an Insurance Rising Star (30:15) - Helping Independent Agencies Grow (31:45) - The Truth About Insurance Networks (35:45) - Connect with Kelly (36:50) - Sponsors & Closing

Joe Powell is the Chief Digital Officer at Gallagher Bassett, where he oversees Data, Analytics, and Product Innovation functions. He previously served as a management consultant at Bain & Company, and holds a Bachelor of Science and a Master of Science in Management Information Systems from the Kelley School of Business at Indiana University. This episode of In the Know was recorded live at RIMS RISKWORLD 2026 and features a conversation between Chris Hampshire and Joe about the state of AI, trends in data and analytics, and all that a future with AI has to offer.   Key Takeaways Joe's career in data and technology. Data, analytics, and AI in today's world. Third-party offerings for claims handlers. Strategies for measuring ROI gains. Responsible implementation of AI. Joe's transition from consulting to insurance. Surprising insights from the depths of the industry. Joe's advice for anyone interested in insurance. Keys to running a successful AI project. A five-year look to the future of the industry. The characteristics that Joe looks for in his team. Joe's advice to his early-career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes "For a data geek, insurance is a great place to be." "Anyone who is thinking about a career in insurance will find the folks you trust and find the place that will help you succeed." "You can start doing a lot of things that you want with AI before you make a major investment."

Jayson Taylor is the Head of Casualty at MSIG USA. He previously served as Head of Excess Casualty for Argo Group and has held actuarial roles responsible for workers' compensation, warranty, property, and liability lines with QBE North America, Wells Fargo, and EMPLOYERS. He earned a B.A. in Business Administration from the University of Florida. This episode of In the Know was recorded live at RIMS RISKWORLD 2026 and features a conversation between Chris Hampshire and Jayson about advancing technologies, successful product development and launch, and the importance of building business relationships.   Key Takeaways Jayson's career started with a love of numbers. The presence and strategies of MSIG. Key differences between global and U.S. insurance companies. Transitioning from an actuarial to a relationship-based role. Insights into RIMS RISKWORLD 2026. Addressing rate increases with transparency. What Jayson looks for in his team members. Questions to ask yourself when changing roles. The impact of AI and data in risk management. Attracting talent to the insurance industry. Keys to successful product development and launch. A five-year look to the future of the industry. Jayson's advice to his early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes "Business is built on the relationships you build." "We are in the business of paying claims to keep businesses going." "Put your focus on measuring what matters."

What if earthquakes could be forecast up to 25 days in advance? That's the premise behind one of the most unconventional companies in risk management today.Itamar Zabari, CEO and CTO of AstroTeq, joins host Pete Miller, CPCU, to explain how his company leverages cosmic radiation data combined with multi-channel machine learning to do exactly that. Itamar shares the origin story behind the venture — sparked by his wife Noemi's astrophysics Ph.D. research — and explains how their approach fundamentally differs from traditional seismology, which currently offers only seconds of warning at best.The conversation explores the enormous implications of early warnings. Itamar shares the example of nuclear power plants being able to move to safe mode ahead of a major event — potentially preventing disasters like the Fukushima meltdown in 2011, which caused nearly half a trillion dollars in damage and widespread radiation contamination.The episode also covers what advance warning means for insurance and risk management, where earthquake forecasting could eventually become a coverage requirement similar to sprinkler systems or anti-theft devices. Itamar also addresses the skepticism AstroTeq has faced from traditional seismologists — and makes the case that earthquake forecasting not only is possible today, but already is happening.Resources:AstroTeq.ai: https://astroteq.ai/The Institutes: https://web.theinstitutes.org/Predict & Prevent website: https://www.predictandprevent.org/Sign up for our weekly Predict & Prevent newsletter: https://www.predictandprevent.org/newsletter/

This week, Claims Never Sleeps welcomes Awais Farooq, CPCU®, AIC®, AIC-M®, LPCS, who serves as Chief Claims Officer at Venbrook, where he leads claims strategy and operations, focusing on modernization, talent development, and delivering strong client outcomes. 

J. Patrick Gallagher, Jr., is the Chairman of the Board and Chief Executive Officer at Gallagher. He began his career as an intern in 1972, worked his way to Chief Executive Officer, and, in 2006, was appointed Chairman of the Board. In 2003, Mr. Gallagher joined the board of trustees of The Institutes. In this episode of In the Know, Chris Hampshire and Pat discuss his successful career, his perspective on where the insurance industry is today, and where it is heading in the future.   Key Takeaways ● Pat's successful career started with a fire and an internship. ● The definitive culture at Gallagher. ● Attributes of desirable acquisitions. ● Pat's message to anyone considering a career in insurance. ● The number one attribute of a successful leader. ● Questions Pat asks himself when making big decisions. ● A five-year look to the future of the industry. ● Pat's advice to his early-career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes ● "Culture is the most important attribute to success or failure." ● "Insurance is the greatest business on the planet." ● "Anyone can find a way to have a positive influence in the insurance industry."  

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin takes the opportunity of RISKWORLD 2026 to interview on-site two session co-presenters, Sandy Avina and Angel Guerra, and a fellow podcast host, Joel Appelbaum. Sandy and Angel co-wrote a book, Riskfetti: Risk Management for the Rest of Us, which comes out on May 18th. They discuss their careers, how they came to team up to write, and why this book, now. Justin and Joel discuss Joel's career in risk, from underwriter to Chief Content Officer at the International Risk Management Institute (IRMI) and podcast host of The Edge of Risk. Listen for thought leadership on communicating risk to business professionals and translating complex risk research into media content.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] About this episode of RIMScast. It was recorded live, on-site at RISKWORLD 2026, in Philadelphia. It's one of my favorite episodes of the year. We will be joined by a range of guests. But first… [:43] RIMS Virtual Workshops. The next RIMS-CRMP-FED Exam Prep Course will be on May 13th and 14th. The popular CBCP and RIMS-CRMP Exam Prep Bootcamp will be held from May 18th through the 21st. The next RIMS-CRMP Exam Prep Course will be held on June 9th and 10th. [1:02] Links to registration are in this episode's notes. [1:05] Webinars. On May 14th, Origami Risk will return with a new session, "Future-Proofing Your Risk Program: Keeping Pace with Scale, Complexity, and Visibility." [1:17] On May 21st, GRC returns to present "Is Your Fire Protection Strategy Outdated? Emerging Risks Are Changing the Rules." [1:27] On May 28th, Zurich returns with "From Underwriting To Risk Management: What To Expect From The Growing Demand For Data Center Construction." Register for webinars at RIMS.org/Webinars or through the links in this episode's show notes. [1:41] Folks, RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:00] On with the Show! We are live on the exhibit floor at RISKWORLD 2026 at the Philadelphia Convention Center. There's a lot of great energy. That energy transferred from the stage to our booth! My first guests are from our LA RIMS Chapter, Sandy Avina and Angel Guerra. [2:23] Sandy and Angel co-presented the session on Tuesday, May 5th, "Between Truth and Trauma: Investigating the Invisible." RIMScast caught up with them right after they came off the stage to discuss the state of mental health claims and get a preview of their new book. [2:37] Sandy and Angel co-authored the book coming out on May 18th. It's called Riskfetti: Risk Management for the Rest of Us. We're going to have a lot of fun! Let's get to it! [2:44] Interview! Sandy Avina and Angel Guerra, Welcome to RIMScast! [2:58] Angel says this is her third RISKWORLD and she loves it! She last attended two years ago in San Diego. Sandy says this is her first time at RISKWORLD. She's trying to experience everything, and it's like trying to put ten pounds of sugar in a five-pound bag. She's getting there. [3:17] Sandy is The Riskfluencer on TikTok. [3:25] Angel has a business, Beauty and Beast in Business. [3:28] Together, Sandy and Angel make Riskfetti. [3:41] Angel started in the mailroom of SRS 20 years ago, moved through Claims, Operations Management, and Global Risk Management, and is now a VP at Arrowhead Evaluation, which does independent medical and risk consulting. [4:11] Angel's variety of experiences lets her see everything and gives her knowledge of risk management and the ability to manage a program well. [4:31] Right out of college, Sandy joined California's workers' compensation state fund as an adjuster. She loved it and started to learn other lines. She now works for California Schools JPA, a public risk pool supporting K-12 and community colleges. [4:54] Sandy leads the California Schools JPA claims program for property liability and workers' compensation. She loves it. [5:03] Sandy and Angel connected through LinkedIn. [5:25] Sandy and Angel presented a RISKWORLD session on developing the defense for psychological claims. Sandy says we're seeing the change in legislation for allowing mental-mental claims and not just physical-mental claims. [5:35] Dr. Ron Heredia was also on the panel. He spoke on how to crack defenses and properly investigate. There are red flags and also very truthful claims. As professionals, check your unconscious bias. Think about fact-finding without a specific agenda. [6:12] Justin points out that May is Mental Health Awareness Month in the U.S. Sandy partners wth Kind Souls Foundation, a non-profit that provides a warm, emotional support line for anybody with a work-displacing event. Sandy notes the struggles of the Sandwich Generation. [6:56] Angel says we see people are being a lot more open about mental health and self-care, but there's still a stigma to it. It's important to recognize that, not just in May, but throughout the year. [7:15] Justin mentions a guest from a couple of weeks ago who served in the Canadian military. He was very open about his Post-Traumatic Stress Disorder. They had a wonderful conversation about it. Justin doesn't want to bring it up if somebody doesn't want to talk about it. [7:40] Sandy says, when you have the conversations more often, and they're more open, people feel more comfortable bringing it up. [7:50] Sandy and Angel's session was "Between Truth and Trauma: Investigating the Invisible." Angel says a lot of people told them they were very happy with the session. They see increases in legislation that allow for more mental-mental claims, and it's a challenge to keep up. [8:11] Angel says having Dr. Ron Heredia with them gave a view of what it looks like from the employer's side. Are you investigating those claims, recognizing the importance of very clear documentation? If it's not in writing, it didn't happen. Have a doctor help with questions to ask. [8:43] Riskfetti: Risk Management for the Rest of Us is coming out on May 18th. Sandy says she and Angel both started in claims, and they found that a lot of employers they spoke to didn't know risk management. They didn't understand their coverage or insurance, or how it works. [9:12] Sandy says a lot of the education in the industry today is very academic and is meant for the risk managers. Employers are not going to go get their CPCU or take webinars on coverage or understanding endorsements. They assign someone else to do it. It's split in the organization. [9:35] Sandy says nobody is speaking to that audience from a layperson's perspective in a way they'll be receptive to. Sandy said we wanted to make that information accessible, so we created a book that is fun, engaging, and more accessible for business owners. [9:49] Angel says they used case studies, fun stories of claims they had managed or others had managed. It's very engaging. People say they've read the book and laughed. It's for HR Managers, Safety Managers, and CFOs, who don't understand insurance but have responsibility. [10:41] Angel's advice for beginning risk professionals: Find a community of individuals who are willing to support you and talk about the hard things and cheer you on when you're not sure if insurance or claims is where you want to be. It's not an easy industry, but a wonderful industry. [11:00] Sandy's advice for the young generation is to make content about this industry. If you are working in this industry, make your TikToks and post on socials. We need to hear from that generation. It democratizes the flow of information. They already do it for their personal life. [11:18] Sandy says, talk about your experience. I want to know what it's like for somebody coming into the industry right now. I know what it was like 23 years ago; I want to know what it's like now. That's the best way to get that information out there. We want to know those opinions. [11:40] Justin says, I love what you're doing. You've got a lot of great energy! Angel, Sandy, thank you so much for joining me on RIMScast. You were wonderful guests! I hope to see you again next year. [12:04] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The 2026 Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [12:25] Register now for the Second Annual RIMS Texas Regional Conference, to be held from August 10th through 12th at the Grand Hyatt on the San Antonio River Walk. Advance rates are available through June 5th. [12:39] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026, in Chicago. Visit ChicagolandRiskForum.org for more information. [12:53] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [13:10] Save the dates October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are already open. The call for educational sessions has been extended to May 18th. Early-bird registration will open in June. [13:29] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [13:44] The RIMS ERM Conference 2026 will be held on November 18th and 19th in Columbus, Ohio. Details will follow. [13:52] Our final guest is Joel Appelbaum, Executive Vice President and Chief Content Officer at IRMI, the International Risk Management Institute! Joel is the host of IRMI's podcast, The Edge of Risk. He was formerly a Chief Risk Officer. [14:10] We are going to talk all about our shared interests and the importance of risk management education, and some of the trends that are emerging, some that are overhyped, and what he's seeing on the risk landscape. Let's get to it! [14:23] Interview! Joel Appelbaum, Welcome to RIMScast! [14:28] Joel Appelbaum is the Executive Vice President and Chief Content Officer for IRMI. Joel says he is used to asking the questions; he says it will be really cool to be asked the questions. [14:47] Joel is the host of The Edge of Risk. When they launched, six years ago, the idea was to come up with more relevant content, quickly, by talking to leaders. In the last year, it has grown by 60%. There's a need for insurance podcasts. It's still growing. [15:24] Justin notes that Elise Farnham was a recent guest. Elise teaches for RIMS. Justin says insurance podcasts share the same space, and there's some natural crossover. Justin and Joel sat together the day before at the main stage keynote. [15:53] Justin asks Joel about his having been an Enterprise Chief Risk Officer, when Enterprise Chief Risk Officers first came into vogue. He felt there were not a lot of resources for being a good ECRM, after coming from an underwriting background with CPCU and IRMI. [16:22] It was a challenging time. Joel cites Adam Grant's theme of low ego but honestly trying to help. Joel remembers bringing up to his boss that IT could be a risk, and being yelled at by his boss for about an hour for yellow-flagging IT. [16:53] Joel loves where Enterprise Risk Management has gone. It's necessary to identify risks in a positive way and deal with them proactively. [17:06] Joel says when it started, it was a rough job. Asking people what keeps them up at night, and sharing that with the board regularly, people weren't ready for it. It's a necessary and important job, but Joel found it to be one of the most challenging, alone on an island. [17:30] Joel thinks everyone who's been an Enterprise Chief Risk Officer or Risk Officer will tell you they do it with very few resources. Joel is glad to have an organization like RIMS to help. [17:50] Joel says he was in a lot of positions that IRMI serves. He was a Product Officer, an Enterprise Chief Risk Officer, a Chief Underwriting Officer, and a Chief Actuary. He did a lot of great things with a lot of great people. None of that prepared him to be a Chief Content Officer. [18:17] Being a Chief Content Officer is about writing and deep research. Joel works with people who research all day. [18:29] Joel learned that there's a disconnect between deep research and understanding coverage and analysis well, and practical insights and thought leadership for how it works in the real world. Parsing it and putting it together, and communicating it is the challenge. [18:53] Joel says it was a bit bumpy coming in and changing the way that IRMI approached things. Joel speaks of his joy of working for Jack Gibson at IRMI. [19:15] Joel says trying to put all the research into writing, keeping it up to date, making it useful, and changing it from just research to practical insights was challenging. It's been a great challenge, and he loves it. [19:29] Joel says he loves being at IRMI and working with people in the industry every day, trying to understand what they need. [20:16] Joel says he struggled with translating research into print, CE courses, and conferences. That takes time, and they need to be updated with the times, as well. A podcast can be simple. Yesterday, Justin and Joel came up with six or seven relevant questions and were ready to go. [20:48] Joel says podcasts fill the gap for the on-demand, necessary knowledge somebody might be seeking on the go. Joel's 30-something children listen to podcasts in the car or while they're exercising. You don't have to sit. Joel likes to do 20- or 30-minute Edge of Risk podcasts. [21:35] Joel says you can cover a very specific, timely topic. It doesn't take the effort of doing a research project or writing a book. Getting it to print takes time. If something changes in war, terrorism, or cyber, you can have a new podcast out in a day. [21:54] Justin says he finds it very gratifying when a guest's words on RIMScast are cited in a white paper. Seeing a reference to something he has done is very gratifying. Joel agrees. [22:10] Joel feels like it's such an honor to meet with thought leaders in the industry, sit down with them, and ask them questions. Joel says he gets great knowledge, meeting them, and learning a little bit about them personally. [22:43] Joel says it's gratifying when young professionals come up to him saying they know him from the podcast. Justin mentions people hearing him talking in the halls at RISKWORLD or RIMS events and recognizing him as the RIMScast guy or the webinar host guy. [23:26] Joel says AI has been a little overhyped. We all need to understand how to use it, but it isn't going to provide all the answers. A guest on his podcast told him at RISKWORLD they're going all in on AI for learning. [23:55] Joel says he gets that AI can be a quick fit for the answer you need. It's the right tool for the right time, but all risk managers know you have to have a lot of tools in your tool kit. AI doesn't replace foundational knowledge. [24:16] Joel's MBA helped him understand the other disciplines in the organization, to know when he was getting good information or bad information, and how to talk the language. [24:35] Joel believes that RIMS certifications and IRMI certifications help risk managers and insurance professionals understand the foundational knowledge. Then they know if they're getting a good answer from the AI. [24:50] Joel says that AI is trained on the internet. The internet has some flaws. Joel predicts AI will hit a learning curve. You're not getting the latest and greatest insights from RIMS or IRMI just writing a white paper on a new topic. Are you getting your AI from a reliable data source? [25:25] Joel advocates for using AI on IRMI material. They have an AI agent in beta now. IRMI has ReferenceConnect for its customers. AI is a good tool, but it's overhyped as a solution for everything. It's not going to solve all the problems. [26:00] It's a great tool if you're using it to gather data. Joel went to a great session at RISKWORLD with LineSlip about bringing all your different brokers' information together so you can get real insights. AI is a great tool to be used at the right place, at the right time. [26:23] You can't have it write all your letters because it doesn't sound like you. [26:37] Justin says an issue that's top of mind for him is PFAS, forever chemicals, because we need water to live. The second our water supply is bad, we've got much bigger problems. [26:52] Joel says Marsh did a presentation at an IRMI conference talking about how widespread the PFAS problem is. It should be on everybody's risk radar. Joel has put more filters in all of his houses. [27:21] Justin says Third-Party Litigation Funding is an emerging risk for RIMS. Joel has also done several podcasts on that. Liberty Mutual likes to call it Legal System Abuse. They had a great podcast on it with The Edge of Risk. [28:04] Joel says the concerning aspects are inflated awards and nuclear verdicts. ISO has introduced a new endorsement on disclosing third-party litigation funding. We've always needed tort reform. Joel thought that as an Enterprise Risk Manager, 20 years ago. [28:39] Joel says if you look at how all the other countries do it, the United States has a problem. It's really important to solve it. Insurance is a fundamental backstop and assistance to business. If the problem continues, insurers may start declining. How do you find solutions? [29:10] Joel thinks one of the solutions is to determine the appropriate amount of an award. Does $200 million make up for something where $2 million would suffice? [29:33] Justin says that he and Joel met up at the keynote with Adam Grant. They both enjoyed the keynote. Adam Grant spoke of unpleasant truths we may not want to hear. There's a difference between being loyal and being honest. [30:26] Joel doesn't have a problem delivering the unpleasant truths, but it has not always been great for his career. Joel says that in a lot of big corporate organizations, people want their allies with them. A new Chief Officer comes in and brings loyal friends with him. [30:54] Four or five years of being coddled later, the officer is gone. Joel worked for CNA for four different CEOs. Joel learned that integrity matters. He says if you communicate out of frustration or anger, it comes across wrong. [31:35] Joel says what he loved about Adam Grant's message is that people need to deliver the truth in a way that is kind and fair, and not fake. The people who tell you what you want to hear and that you're the greatest ever are the people you need to "get rid of." [32:08] Joel tells people that the knife gets sharper against the steel. Joel wants somebody who's sharpening the skill. He has to work harder for it. That's who he likes to surround himself with. Joel has his "board of governors" he goes to for help as a sounding board. [32:58] Leaders who surround themselves with yes-people are not going to last long. Justin asks about the compliment sandwich. Joel likes it if it doesn't come off as fake. Ask AI what's a fair way to deliver this, a compassionate way to give feedback. AI can give unbiased feedback. [33:45] Justin shares an experience where he successfully used AI to shorten and change the tone of an angry email message before he sent it. He was very pleased with the result, and the response was "OK." Joel admits he has delivered a lot of career-shortening emails. [34:44] AI should be thought of as a sounding board. Justin thinks the students coming into the profession probably already do so. Joel says certain types he has worked with don't handle negative feedback well from their peers. AI might be the best way for them to respond. [35:25] Joel has been to about 10 RISKWORLDs. He says the vibe this year is awesome. He feels there's a lot more opportunity for small connections. He loves the smaller talks. The conversation pods are great. There's always lots to learn, interesting people, and friends. [36:07] I love what you do at IRMI. Thank you for joining our show, RIMScast! I think very highly of your show. We've had a lot of the same guests. You're wonderful, and I appreciate all of your support! [36:35] Thanks again to all of our guests here on this special episode of RIMScast, produced live on-site at RISKWORLD 2026. We look forward to seeing you all in New Orleans next year for RISKWORLD 2027! [36:47] Be sure to check out last week's episode of RIMScast, featuring Risk Manager of the Year, Jeff Bray of Prologis. [36:53] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [37:22] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [37:40] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [37:58] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [38:14] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [38:28] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [38:40] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RISKWORLD Playlists:

Lindsy Graichen Hudnall, CPCU, AIDA, AU-M, AINS, LSSBB, is a process improvement expert currently serving as VP Strategic Operating Model & Execution Lead at Chubb. With a background in mathematics, analytics, and underwriting, she leads change management, driving operational efficiency and growth. In this episode of In the Know, Chris Hampshire and Lindsy discuss process improvements and making operational changes within a carrier, Lindsy's experience as a female leader in the industry, and her unique role in the CPCU Society.   Key Takeaways ● Lindsy's career success started with exceptional leaders and mentors. ● Making insurance "cool" for the next generation. ● Process improvement in the insurance sector. ● Effective cross-team collaboration. ● Recent technological changes in the process improvement sector. ● Defining success in process improvement. ● Characteristics of successful programs. ● The talent shift of the employee of the future. ● A five-year look to the future of insurance. ● Lindsy's activity in the CPCU Society. ● Lindsy's experience as a female leader in the industry. ● Early career networking advice from a professional.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes ● "Technology is helping fuel process improvement changes faster." ● "The most successful projects start with change management way before the change is implemented and actually happens." ● "There is no real end after a process improvement project."  

Fuller Consulting Principal Bryan Fuller is a reinsurance and insurance regulatory consultant with more than 30 years of specialized experience for U.S. insurance regulators and international financial institutions. He holds a BS in International Economics from Georgetown University and professional designations as a Chartered Property Casualty Underwriter (CPCU), Associate in Reinsurance (ARe), Accredited Insurance Examiner (AIE), and Market Conduct Management (MCM). He is active in the CPCU Society (former Kansas City Chapter President) and currently serves on the Reinsurance and Excess Surplus Lines Interest Group Committee, the International Association of Insurance Receivers, the Society of Financial Examiners, and the Insurance Regulatory Examiners Society. In this episode of In the Know, Chris Hampshire and Bryan discuss his career in reinsurance and consulting across both the domestic and international spectrum.   Key Takeaways Bryan was first interested in international economics. Working in a small company fast-tracked his insurance career. Bryan's decision to transition to consulting work. The benefit of a CPCU designation in generating new business. Value points of the CPCU designation. The current state of reinsurance. A five-year look to the future of the reinsurance sector. Bryan's collaborative advice to his early-career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes "There are risks with any work, and you always have to manage the risks." "Networking is a key part of getting new business, and the CPCU designation certainly helps with that." "You never know how old coworkers will come back into your career." "Whatever the technology threshold is, we keep getting closer and closer to that line."

Glenn Leung is the Vice President of the Surplus Line Association of California (SLA), which serves as the statutory surplus line advisory organization of the California Department of Insurance. Glenn leads a team focused on analyzing the financial solvency of nonadmitted insurers in California, and his team reviews 150 U.S. and Alien insurers that write more than $20 billion of premium each year. He received his bachelor's degree in Economics & American Studies from the University of California, Santa Cruz, and is the President of the Golden Gate CPCU Chapter, past chair of the RE&S Interest Group, and current interest group governor. In this episode of In the Know, Chris Hampshire and Glenn discuss his background and experience with the surplus lines sector, his interaction with the CPCU Society, and the impact that AI has had in his field of expertise.   Key Takeaways ● Glenn's college experience taught him that there is a place for government regulation. ● Glenn's jump into surplus lines insurance. ● Considerations for entities when considering surplus lines insurance. ● The evolution of the surplus lines sector. ● Indicators that are driving sector growth. ● Tactics for carriers when approaching a new jurisdiction like California. ● Glenn's insights into knowing and publicizing his brand. ● Strategies for entering the insurance analysis sector. ● A thirst for knowledge first drew Glenn to the insurance industry. ● Glenn's most rewarding experiences to date. ● The future of the surplus lines sector of the industry. ● The impact of AI in the surplus lines market. ● A five-year look to the future of the industry. ● Glenn's advice to his early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes ● "There has been tremendous growth in the surplus lines industry."   ● "The insurance industry has a huge and wide breadth of different careers that can be pursued."   ● "There is something for everybody in the insurance industry."   ● "I was first drawn to the CPCU Society because of a thirst for knowledge."   ● "The CPCU Society offered me the ability to understand all aspects of the insurance industry."  

The Data Behind Insurance's Retirement Wave with Matt Rigsby   Description: Matthew Rigsby is a Principal Researcher for Enterprise Research at The Institutes, where he supports education and professional development through market research and business intelligence projects. His recent work includes a white paper called "Talent Transformation: Key Metrics for the Insurance Workforce," which explores the impact of the demographic shifts facing the industry. In this episode of In the Know, Chris Hampshire and Matt discuss the findings from this paper about the aging workforce and the loss of institutional knowledge from retirement and technical positions. He also shares how companies see these challenges manifesting in today's work environment, and the steps they are taking now for a promising future in the insurance industry.   Key Takeaways ● Matt's career began with teaching in South Africa and South Korea. ● His work at The Institutes married Matt's business and teaching degrees. ● An overview of the "Talent Transformation" white paper. ● Strategies for approaching the loss of talent in the aging industry. ● Company demographics that Matt approached for the white paper. ● Out-of-the-box approaches to the Silver Tsunami. ● The role of AI in filling the talent void. ● Positive and negative impacts of the retirement wave. ● Changing the traditional model of ranking and seniority. ● Matt's 5-year look to the future of the industry. ● Surprising findings from Matt's experience with research in the industry. ● Matt's insights for anyone considering a career in the insurance industry. ● Upcoming generational research at The Institutes. ● Matt's advice to his early-career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes ● "I love education research, and The Institutes offers a great way to be doing that."   ● "The aging workforce is the number one thing that professionals are worried about across the industry."   ● "Many respondents could see the positive impact of the retirement wave."   ● "There is a lot of knowledge that needs to be passed on, and if it could be integrated into a career pathway, that would be great."  

Lindsey Archila is the Director of Premium Audit at MEMIC. Her 20-year career in the premium audit world began as a field auditor, and she now leads a team of field auditors and audit analysts. She is an authentic, people-centered director with deep experience in Premium Audit, P&C Insurance, Talent, DEI, Operations, and Project & People Management. In this episode of In the Know, Chris Hampshire and Lindsey discuss the impact of premium audit on other departments and how it fits into the overall insurance ecosystem, the evolution of premium auditing, and the future of the insurance industry under the influence of AI.   Key Takeaways ● Lindsey's field auditor career started with the promise of a company car. ● Unique insurance offerings from MEMIC. ● The role of premium audit in the insurance lifecycle. ● Details of underwriting claims and financing. ● Workers' comp processes and checks. ● The evolution of premium auditing and process improvement. ● Possibilities for the future of AI. ● Strategies for addressing the talent gap in the insurance industry. ● A five-year look to the future of the industry. ● Lindsey's advice to her early-career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes ● "By doing audits virtually, we're minimizing the time that our customers have to prepare for the audit." ● "In insurance, we have to continually evolve." ● "Premium audit is cool! Insurance is cool!" ● "There is something for everyone in insurance because insurance is constantly evolving." ● "Premium audit is one area where you get a lot of insurance knowledge and education in a very small space."  

The Institute of Internal Auditors Presents: All Things Internal Audit    In this episode, Mike Jacka and Tshepo Mofokeng tackle one of the most common questions internal auditors face: Who audits the auditors? They break down how the quality assurance and improvement program (QAIP), professional standards, peer reviews, and self-regulation protect the integrity of the profession. They discuss how quality assurance strengthens credibility with boards, builds trust with stakeholders, and positions internal audit as a strategic advisor.   HOST: Mike Jacka, CIA, CPA, CPCU, CLU Chief Creative Pilot at Flying Pig Audit, Consulting, and Training Solutions   GUEST: Tshepo Mofokeng, CIA, CRMA CAE, Sefako Makgatho Health Sciences University Global Board of Directors, The IIA   KEY POINTS: Introduction: Who Audits the Auditors? [00:00:06–00:01:23] What QAIP Really Means and Why It Matters [00:01:29–00:02:43] The Role of Standards in Professional Legitimacy [00:03:05–00:03:58] Explaining Self-Regulation to the Board vs. Management [00:04:02–00:06:06] Addressing Defensiveness and Educating Peers [00:06:52–00:08:10] Moving from Compliance to Credibility in Quality Reviews [00:08:43–00:11:28] Measuring Impact, Not Just Audit Volume [00:12:01–00:13:39] Marketing Internal Audit's Value Through Quality [00:14:02–00:14:30] Finding Time for Quality Assurance Work [00:14:40–00:15:22] Real-World Example: How Peer Review Strengthened Trust [00:15:24–00:17:48] When Weak Self-Regulation Damages Trust [00:17:52–00:20:48] The Future of QAIP and Vision 2035 [00:21:02–00:23:19] Internal Audit's "Superpower" with the Board [00:23:21–00:25:11]   Visit The IIA's website or YouTube channel for related topics and more.   IIA RELATED CONTENT:  Interested in this topic? Visit the links below for more resources: Global Internal Audit Standards Quality Assurance and Improvement Program Vison 2035 Become a Certified Internal Auditor (CIA) 2026 Analytics, Automation and AI Virtual Conference   Follow All Things Internal Audit: Apple Podcasts Spotify Libsyn Deezer

Former Kansas City Chiefs lineman Joe Valerio is the Chief Operating Officer for The Baldwin Group's Insurance Advisory Solutions (IAS) segment. Most recently, Mr. Valerio served as Division Leader, Western Division, for World Insurance Associates, LLC, where he drove revenue growth and margin expansion through disciplined sales execution and operational excellence across 27 offices across 13 states. Before World Insurance, he served as Chief Operating Officer for the CRB North America Industry Verticals Division at Willis Towers Watson, where he guided a team of nearly 3,000 colleagues across diverse functions, generating annual revenue of more than $1.2 billion. In this episode of In the Know, Chris Hampshire and Joe explore lessons learned from the football field, the excitement and challenges of the recent merger, and Joe's optimistic perspective on the future of the insurance industry.   Key Takeaways ● Joe's journey from the NFL to broadcasting to the insurance industry. ● Lessons learned from the football field. ● Questions to ask yourself when weighing career opportunities. ● The importance of a standard operating playbook. ● Retaining talent while also developing skills. ● Merger management in Joe's latest venture at The Baldwin Group. ● A five-year look at the future of the insurance industry. ● Joe's advice to his early insurance career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes ● "The biggest asset of the insurance industry is what goes up and down the elevators every day." ● "Insurance is the ultimate team sport." ● "Everything that we do is focused on bringing the best to the client." ● "Day-by-day, we want to figure out how we can work best together."  

Alignment is often underestimated as a single “yes.” Transformation just doesn't work that way.In this week's episode of the Only Constant, Awais Farooq discusses with Nellie Wartoft how real alignment comes from designing for difference: segmenting people by adoption behavior, tailoring communication by role & channel, and using real adoption signals to adjust in real time. They also dig into why top-down cascades miss the people most impacted, how to uncover “what's in it for me” at scale, and why premortems & postmortems are the difference between learning and repeating the same mistakes with new packaging.Awais Farooq is the Chief Claims Officer at Venbrook and a senior insurance executive, transformation strategist, and keynote speaker with nearly two decades of experience across State Farm, Farmers, Chubb, Berkshire Hathaway GUARD, and Crawford & Company.Recognized as a national voice on insurance innovation and claims transformation, Awais has spoken at leading industry conferences and executive leadership forums. His thought leadership has been featured in The Wall Street Journal and PropertyCasualty360. He holds the CPCU, AIC, and AIC-M designations from The Institutes. His upcoming book, The Future Isn't Fully Automated: Why Humans Still Matter in a High-Tech World, examines how AI and automation are reshaping insurance while reinforcing the enduring importance of human judgment, empathy, and leadership.Connect with:⁠⁠⁠⁠⁠⁠⁠⁠Nellie Wartoft⁠⁠⁠⁠⁠⁠⁠⁠CEO of ⁠⁠⁠⁠⁠⁠⁠⁠Tigerhall⁠⁠⁠⁠⁠⁠⁠⁠Chair of the ⁠⁠⁠⁠⁠⁠⁠⁠Executive Council for Leading Change (ECLC)⁠⁠⁠⁠⁠⁠⁠⁠nellie@tigerhall.com

Diane Hanlon serves as Head of Sales and Market Development at The Institutes. With more than 23 years of experience in Fortune 500 B2B sales, account management, and contract management, Diane brings deep expertise in business development and client relationship management. Before joining The Institutes, she held senior sales leadership roles at On Call International, a Tokio Marine HCC company, and Enterprise Holdings. In this episode of In the Know, Chris Hampshire and Diane discuss sales leadership and insurance industry careers, the latest initiatives at The Institutes, and the value of the CPCU designation journey in her career.   Key Takeaways ● Diane did not take the traditional risk management path. ● The most appealing aspects of the insurance industry. ● Benefits of consulting within the sales sector. ● Characteristics of successful salespeople. ● Protocols for retaining B-to-B sales arena opportunities. ● Questions to ask yourself before moving into the sales sector. ● Addressing industry talent gaps. ● Adapting to future technologies in the insurance industry. ● The evolution of training and development. ● The future of international insurance education and career path development. ● Diane's experience with international insurance interconnectivity. ● Advice to anyone who is considering a career in insurance. ● The 'addictive' journey of earning a CPCU designation. ● A five-year look at the future of the insurance industry. ● Diane's fulfilling advice to her early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes ● "There are so many transferable skills that can be used in the insurance industry." ● "Building relationships is the key to the successes you're going to have." ● "The skills that someone needs today are going to look different in the coming years, and people need to be adaptable." ● "We work with all verticals to ensure they have what they need to be better at what they do."  

118 The MIRACLE Money Vehicle: How to Make Money Make Babies | Randolph Love III   The Entreprenudist Podcast https://entreprenudist.com At The Liquidity Event January 15, 2026 | Sponsored by Insurance Claim HQ Powered by Hair Shunnarah Trial Attorneys. Randolph Love III, ChFC®️, CPCU®️, CLU®️, FLMI®️, RICP®️, Founder and CEO of ShieldWolf Strongholds, delivered a powerful session on innovative wealth-building strategies. In this presentation, Randolph introduces "The MIRACLE Money Vehicle: How To Make Money Make Babies," a strategic framework designed to help individuals move beyond traditional saving and investing methods toward more intentional wealth creation. In this session, Randolph breaks down: -Why many traditional financial approaches fail to create sustainable wealth -The core principles behind the MIRACLE Money Vehicle -How to position money to grow, compound, and multiply -The role of structure, discipline, and strategy in long-term wealth building -How proactive planning supports liquidity, protection, and legacy This conversation is essential for entrepreneurs, professionals, and families focused on growing wealth, protecting assets, and creating long-term financial stability. ------------------ Struggling with a denied or delayed insurance claim? Let the experts at Insurance Claim HQ Powered by Hair Shunnarah Trial Attorneys, help you get what you're owed. Visit https://insuranceclaimhq.com and take the first step toward the settlement you deserve. -------------- Hosted by Randolph Love III, ChFC®, The Entreprenudist Podcast is a platform where real entrepreneurs and business owners bare it all. Ranked in the top 10% of business podcasts, it shares unfiltered stories, challenges, and triumphs, providing valuable insights for aspiring and seasoned business leaders alike.

Betsy Brewer is a founding member of the USC Marshall School, Peter Arkley Risk Management Institute. She serves on the Nominating Committee and is past global president of the CPCU Society and of Independent Agents & Brokers of California-Los Angeles.  For her service to the risk management and insurance industry, she received the California Ramsden-Sullivan Award. In this episode of In the Know, Chris Hampshire and Betsy discuss her experience as one of the first female leaders in the global CPCU Society, as well as a female leader in the risk management industry and the brokerage community, and a variety of other topics.   Key Takeaways ● Betsy's career path began in the 1970s. ● Don't tell Betsy women don't get the CPCU designation. ● Significant changes in the brokerage market. ● Big wins in Betsy's leadership career. ● Impressive improvements for female leaders in the insurance industry. ● Key differences between males and females in any industry. ● Overcoming challenges that could have set Betsy back. ● Benefits of Betsy's CPCU designation. ● Lessons and skills learned as the CPCU global president. ● Deciding to move to a new agency. ● Selling on the brokerage side. ● Betsy's message to anyone considering a career in the insurance industry. ● Consulting, contracting, and training after retirement. ● A five-year look to the future of the industry. ● Betsy's advice to her early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes ● "Don't tell me that women don't get the CPCU designation." ● "As a female leader in the industry, I see respect for my knowledge." ● "Males and females bring different motivations and talents to the table." ● "Nothing in this world moves without some kind of insurance." ● "I was brought onto the job because I knew all the people, and that's because of the CPCU Society."  

Summary In this episode, Elizabeth Dodson interviews claims consultant Chantal Roberts, who shares her extensive experience in the insurance industry. They discuss the role of an adjuster in the claims process, the responsibilities of homeowners, and how to effectively communicate and support each other during claims. Chantal emphasizes the importance of understanding the claims process, the need for homeowners to provide necessary information, and the mutual responsibilities of both parties in achieving a successful resolution. In this conversation, Elizabeth Dodson and Chantal M. Roberts discuss the complexities of home insurance claims, emphasizing the importance of clarity, communication, and proactive measures for homeowners. They explore the responsibilities of homeowners, the intricacies of insurance estimates, and the dynamics between adjusters and homeowners. The discussion highlights the need for homeowners to understand their policies, effectively communicate with their adjusters, and take necessary actions to mitigate damages. The conversation concludes with insights on the human element in claims processing and the importance of maintaining a cooperative relationship with insurance professionals. About out Guest: Chantal M. Roberts, CPCU, AIC, RPA, ITP, is a claims consultant, expert witness, professor, and author with over 25 years of experience. She specializes in claim handling standards and litigation support. Chantal is also a Bankrate Expert Contributor, writing about insurance in a clear, relatable way. She teaches at BMCC–CUNY and The Institutes and is the author of The Art of Adjusting and Once Upon A Claim - www.cmrconsulting.net    Special offer for our audience: a discounted version of Chantal's book here Buy Once Upon A Claim: Fairy Tales to Protect Your Ass(ets) Takeaways Chantal Roberts has over 25 years of experience in claims consulting. Adjusters often handle a large volume of claims, making their role challenging. Homeowners need to understand their responsibilities in the claims process. Mitigation is crucial to prevent further damage during a claim. Communication between homeowners and adjusters is key to a smooth process. Homeowners should provide all necessary documentation to their adjuster. The claims process involves several steps, including investigation and resolution. Adjusters are there to facilitate the claims process, not to deny claims. Understanding the insurance policy is essential for homeowners. Both parties have responsibilities to ensure a successful claims outcome. Clarity is essential for homeowners during the claims process. Homeowners must understand their responsibilities and insurance policies. Effective communication with adjusters can expedite claims. Mitigation of damages is crucial to avoid further losses. Homeowners should be proactive in providing information to adjusters. Understanding estimates is vital for homeowners to avoid confusion. Adjusters handle numerous claims and may not remember individual cases. Building a good relationship with adjusters can lead to better outcomes. Homeowners should document everything related to their claims. Trusting the process and being patient can lead to smoother claims resolution.   Sound bites "We can't lowball you." "It's a process." "Trust the process."   Chapters 00:30 Introduction to Claims Consulting and Adjusting 02:27 The Role of an Adjuster in the Claims Process 09:08 Understanding the Claims Process for Homeowners 17:41 Navigating Adjuster Changes and Claim Management 21:13 How Homeowners Can Support Their Claims Process 27:10 Utilizing Technology for Home Insurance Claims 30:03 Understanding Responsibilities in the Claims Process 37:40 Navigating Communication with Adjusters 50:03 The Importance of Detailed Estimates 55:53 The Evolution of Communication in Claims Adjusting 59:25 Understanding the Claims Process 01:02:26 The Importance of Clarity in Communication 01:04:52 Mitigation Strategies for Homeowners 01:08:31 Navigating the Adjuster-Homeowner Relationship 01:13:06 Resources for Homeowners: Books and Tools0 Final Thoughts: Awareness and Preparedness for Homeowners

Paul Dumitru is an Insurance Specialist at the Financial Supervisory Authority of Romania, President of the CPCU Romanian Chapter, and 2025 CPCU Society International Ambassador, where he will represent the CPCU Society and continue fostering international connections and awareness of the CPCU designation and the CPCU Society.   A CPCU Society member since 2013, Paul earned his CPCU designation in 2017. He is a member of the Europe Chapter, serves as the acting President of the newly forming Romania Chapter, and is a committee member on the Global Virtual Community Steering Committee. Over the past year, he has promoted the CPCU Society through media appearances, conferences, and the launch of the Romania Chapter, helping to expand the Society's reach across Eastern Europe.   Professionally, Paul works at Romania's Financial Supervisory Authority, where he focuses on financial education and strategic insurance initiatives. In this episode of In the Know, Chris Hampshire and Paul discuss insurance in Europe, the CPCU Society Romania Chapter, and some of the factors that have shaped Paul's insurance career, including his CPCU designation.   Key Takeaways Paul's professional journey from chemistry to insurance. Surprising discoveries from within the world of insurance. The intellectual reward of working in risk management. An overview of the Romanian insurance market. Training and developing the next generation of insurance professionals. Strategies for adapting insurance systems as part of the EU. Founding the Romanian CPCU chapter. Paul's message to the next generation of insurance professionals. A five-year look at the future of the Romanian insurance market. The benefits of Paul's CPCU designation.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes "Working in insurance is one of the most fascinating industries in the world." "Insurance meets at the intersection of finance, law, and human behavior." "In insurance, I learn something new every day of my life." "You only need curiosity to learn about the fascinating insurance industry."  

In this insightful episode, Scott welcomes insurance expert Beth Boisseau-Coots to discuss the ever-changing landscape of real estate insurance, particularly in Texas. As 2025 approaches, understanding property and casualty insurance is more crucial than ever for investors navigating a market dramatically altered by climate events and capacity issues. Beth, a leading expert in property and casualty insurance, sheds light on why Texas has become one of the top "problem children" for insurers and what investors need to know to protect their assets.Key discussion points include:Texas Insurance Turmoil: Beth details why Texas has become an insurance "problem child," facing challenges from hurricanes, severe hail, and wildfires, leading to escalating costs and coverage difficulties in various regions.Capacity & Reinsurer Influence: Learn how commercial insurance capacity limits and reinsurers' decisions impact policy availability and pricing, sometimes forcing carriers to exit the state, directly affecting investors.Strategic Property Investment: Get crucial advice on areas to approach with caution (e.g., Texas coast, DFW with high wind/hail deductibles) and the distinction between replacement cost and market value to avoid common pitfalls.Master Policies for Portfolios: Discover the advantages of a "master policy" for investors with multiple properties, offering streamlined management, consistent rates, and flexibility for rehabs, rentals, and even certain subject-to deals.Investor Protection & Best Practices: Understand the importance of tenant renters insurance, contractor liability coverage, recognizing roofing fraud, and the value of assembling a trusted professional team to navigate complex insurance decisions.Beth emphasizes the need for investors to look beyond just price, focusing on comprehensive coverage and understanding policy nuances like coinsurance penalties. With her practical advice, investors can better protect their assets. Whether you're a first-time buyer or managing a large portfolio, Beth and her team offer invaluable guidance to ensure your real estate investments are properly insured. Connect with her for expert counsel and to explore solutions like the master policy that can simplify your insurance strategy.Connect with Beth HERE!Beth Boisseau-Coots is Vice President at JB Lloyd & Associates with 20 years of experience in the insurance industry. Licensed in Property & Casualty and Life & Health across all 50 states, she specializes in insurance programs for community banks, lenders, and real estate investors. A Certified Insurance Counselor and currently pursuing her CPCU designation, Beth is dedicated to helping clients protect what matters most with clarity and confidence.Watch the Original Video of this Episode HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join Note Night in America community today:WeCloseNotes.comScott Carson FacebookScott Carson TwitterScott Carson LinkedInNote Night in America YouTubeNote Night in America VimeoScott Carson InstagramWe Close Notes Pinterest

Brian Schmidt is a senior insurance executive with more than two decades of experience across primary insurance, reinsurance, data and analytics, and consulting. At Xceedance, Brian leads the Strategic Accounts division as Senior Vice President and Business Leader, overseeing global teams that deliver operational excellence across the insurance policy lifecycle. Brian holds several industry designations, including CPCU, CIC, and ASLI, and earned both his BBA in Marketing and MBA from the University of Cincinnati's Lindner College of Business. Brian has served as Chair of the Underwriting Interest Group for The Institutes CPCU Society and as University Liaison for the Cincinnati CPCU Society Chapter. In this episode of In the Know, Chris Hampshire and Brian explore the offerings of a strategic operations support firm, the effective use of data analytics in day-to-day operations, and the value of a CPCU designation in his career.   Key Takeaways Brian's professional journey from restaurants to insurance. Xceedance offerings as a strategic operations support firm. The benefits of transitioning into a partnership with Xceedance. The Pros and cons of operations support partnership. The state of AI advancements in today's insurance industry. Effective use of data analytics in day-to-day operations. Brian's decision to pursue additional training and certifications. Tools in Brian's toolbox that have added to his success. A five-year look at the future of the insurance industry. Brian's message to early-career professionals.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes "Understanding why you're bringing in the support can help guide the decision." "Regardless of where AI progresses to, we're still going to need the art of underwriters well into the future." "Earning my CPCU designation has been pivotal in my insurance career." "No matter what skill set you have, there is a place for you in the insurance industry."  

In this insightful episode, Scott welcomes insurance expert Beth Boisseau-Coots to discuss the ever-changing landscape of real estate insurance, particularly in Texas. As 2025 approaches, understanding property and casualty insurance is more crucial than ever for investors navigating a market dramatically altered by climate events and capacity issues. Beth, a leading expert in property and casualty insurance, sheds light on why Texas has become one of the top "problem children" for insurers and what investors need to know to protect their assets.Key discussion points include:Texas Insurance Turmoil: Beth details why Texas has become an insurance "problem child," facing challenges from hurricanes, severe hail, and wildfires, leading to escalating costs and coverage difficulties in various regions.Capacity & Reinsurer Influence: Learn how commercial insurance capacity limits and reinsurers' decisions impact policy availability and pricing, sometimes forcing carriers to exit the state, directly affecting investors.Strategic Property Investment: Get crucial advice on areas to approach with caution (e.g., Texas coast, DFW with high wind/hail deductibles) and the distinction between replacement cost and market value to avoid common pitfalls.Master Policies for Portfolios: Discover the advantages of a "master policy" for investors with multiple properties, offering streamlined management, consistent rates, and flexibility for rehabs, rentals, and even certain subject-to deals.Investor Protection & Best Practices: Understand the importance of tenant renters insurance, contractor liability coverage, recognizing roofing fraud, and the value of assembling a trusted professional team to navigate complex insurance decisions.Beth emphasizes the need for investors to look beyond just price, focusing on comprehensive coverage and understanding policy nuances like coinsurance penalties. With her practical advice, investors can better protect their assets. Whether you're a first-time buyer or managing a large portfolio, Beth and her team offer invaluable guidance to ensure your real estate investments are properly insured. Connect with her for expert counsel and to explore solutions like the master policy that can simplify your insurance strategy.Connect with Beth HERE!Beth Boisseau-Coots is Vice President at JB Lloyd & Associates with 20 years of experience in the insurance industry. Licensed in Property & Casualty and Life & Health across all 50 states, she specializes in insurance programs for community banks, lenders, and real estate investors. A Certified Insurance Counselor and currently pursuing her CPCU designation, Beth is dedicated to helping clients protect what matters most with clarity and confidence.Watch the Original Video of this Episode HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Janice Romero is Home Office Manager at ICW Group Insurance Companies and the CPCU Society's inaugural Go-Getter of the Year Award winner. This new award recognizes a CPCU Society member whose professional growth and active engagement best exemplify the spirit of the organization. With over three decades in workers' compensation underwriting, Janice has witnessed the insurance industry's transformation from a traditionally male-dominated field to today's more inclusive and diverse landscape. She is passionate about mentoring the next generation and encouraging young people to consider insurance careers. Janice believes that insurance, at its core, is about helping people. She recently published her first book, Happily Ever Afterlife. In this episode of In the Know, Chris Hampshire and Janice discuss her insurance career, the importance of networking, what it takes to write a book, and how to be a successful go-getter.   Key Takeaways Janice's successful career began with college internships and mentorship. The insurance industry is unique and set apart. Positive changes in the insurance industry. Janice's encouraging experience as a female leader. The importance of networking in a successful career. Happily Ever Afterlife — Janice's experience with loss, growth, and writing a book. Lessons this go-getter learned from a recent accident. The impact of the CPCU designation on Janice's career. Janice's advice to her early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society  

Amy Waninger is the Founder & CEO of Lead at Any Level, where she helps organizations transform their STEM professionals from reclusive nerds into inclusive leaders. Amy offers assessments, advisory services, and training on essential skills for inclusive leaders. She is the author of eight books, including Network Beyond Bias: Making Diversity a Competitive Advantage for Your Career. Amy spent twelve years working in the insurance industry, where she achieved the CPCU designation in 2016 and the Certified Insurance Data Manager (CIDM) designation in 2018. She also holds associate designations in Management, Claims, Insurance Data Analytics, Information Technology, and General Insurance. On this episode of In The Know, Chris Hampshire and Amy discuss building a business, learning how to sell yourself, and strategies that can help anyone overcome external and internal barriers.   Key Takeaways Amy's journey from small-town Indiana to CEO. Getting to the jumping point and then making the jump. Amy's decision to leave her job and build a business. Learning how to sell yourself is a continual process. How to get started on the process of writing a book. Panic can be reframed as fuel. Strategies for facing internal and external barriers. Amy's far-reaching advice to her early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes "We spend a lot of time in the industry talking about barriers to inclusion. What if we spend some time talking about solutions?" "Enjoying the process, in addition to the results, is key." "If you want to do something so badly that you are willing to be bad at it, and get better, then you know you're doing the right thing." "I am still surprised by the depth and breadth of the impact that I've had. I had no idea global impact was even possible."  

Randy Jouben is the Chief of Risk Management in Fairfax County, one of the largest counties in the United States. He shares the lessons he has learned from his varied experiences from non-profit and for-profit to the public sector. He underscores the importance of embracing technology and training employees in AI engagement in order to manage risks instead of being blind to them, shares the benefits of his CPCU designation, and highlights the importance of continued learning at every stage of a successful career.   Key Takeaways: ● Randy's work with Fairfax County from criminal and fire to helping the homeless. ● Randy's literal fall into an insurance career. ● Lessons learned from the non-profit sector. ● Five Guys from the kitchen to the EBITDA bottom line. ● The value of partnering together during the bad years. ● Insights into insurance in municipalities. ● Risk financing in the public sector. ● Legal system abuse and the need to reform. ● Ensuring proper education about utilizing AI. ● Randy's flexible advice to his early career self.   Mentioned in This Episode: Randy Jouben   Tweetables:   "When you realize how much you can help an organization help their mission, it's more fulfilling than a paycheck."   "If you can partner together in the bad times, it makes the good times so much better for everyone else."   "In municipalities, your neighbor is your boss in one sense or another."   "Just because you've had your job in the industry for 30 years, doesn't mean you stop learning."   "You need to embrace technology and help employees learn it and engage with it so you can manage the risk instead of being blind to the risk. You don't work in risk management and not take risks."

Tony chats with Gregg Golson about his career in claims, his involvement in CPCU, advice for the next generation, and his consulting endeavors.Gregg Golson: https://www.linkedin.com/in/gregggolsoncpcu/Video Version: https://youtu.be/ieaJ7VAAbQ8

In this episode, we dive into how advisory boards can be a game-changer for small businesses with Barbara Taylor and Ed Henkler . Unlike corporate boards, these groups are built on relationships and connections—bringing together people who share their expertise, networks, and insights to help a business grow. We'll discuss how to form an advisory board, the role connections play in bringing the right people to the table, and the impact these relationships can have on guiding strategy, opening doors, and creating new opportunities. If you're a small business owner looking for guidance, or a professional considering how your network could make a difference, this episode shows how advisory boards turn connections into lasting business growth.Barbara Taylor, CPCU, offers 20+ years of expertise in business coaching, talent management leadership development and performance management. Barbara has built a reputation for designing creative leadership development programs.She has designed and implemented effective talent management strategies for numerous Fortune 500 clients including L'Oreal, Comcast, GlaxoSmithKline, AstraZeneca, L3, Goodwill and The Kellogg Company.Currently, Barbara is a business partner of JanBara & Associates, a coaching and executive development firm specializing in accelerating the performance of people and organizations. The JanBara partners believe that purposeful human performance is the greatest contributing factor to a company's success. Barbara has co-created two leading-edge leadership programs: Silo-Busting Networking and Strategic Thinking for Middle Managers.Ed Henkler is a social entrepreneur who is passionate about improving the quality of life and employability of people who are blind or visually-impaired. He believes there is a business ROI to hire people with disabilities. He is working with several veteran-owned businesses which focus on increasing the meaningful employment of veterans, military spouses, and people with disabilities.Music by: ⁠⁠⁠⁠jorikbasov⁠⁠⁠⁠ from ⁠⁠⁠⁠Pixabay⁠⁠⁠⁠Contact InformationBarbara Taylor- btaylor@janbara.comEd Henkler- edhenkler@theblindguide.com or theblindguide.comBenny Carreon- Velocity Technology Group- benny@velocitytechnology.groupDennis Jackson-WorX Solution- dennisj@worxsolution.com

Rose Hall is a visionary innovation strategist and risk management expert with 25 years of experience. She leverages innovation to solve complex business problems and create unique growth opportunities at the intersection of technology and risk. Her unique expertise spans the insurance, construction, and technology industries, and was cultivated in senior leader roles at global organizations such as AXA XL and Turner Construction. As CEO of RH Business Ventures, she advises the insurance, technology, and construction industries, focusing on transforming risk management through innovation and technology. On this episode of In The Know, Chris Hampshire and Rose discuss her career, her objective of connecting common problems with the right solutions, and the danger of treating innovation like an optional luxury in the insurance space.   Key Takeaways Rose's journey as a risk management thought leader. Insurance ecosystems pair problems with their solutions. Great innovations belong with great companies. Rose's strategy for analyzing a career change. Transitioning into entrepreneurship and consulting. Advice from a female leader in the insurance industry. The state of innovation in today's industry. Possibilities with parametric insurance. Rose's human-focused advice to her early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society  

Mark Walls is the Chief Marketing Officer at Safety National, a multi-line specialty insurance and reinsurance carrier and member of the Tokio Marine Group. With over 30 years of workers' compensation and risk management experience, Mark's career spans claims management, client engagement, strategic analysis, and market research. He previously served as VP Client Engagement at Safety National and as Senior VP at Marsh's Workers' Compensation Center of Excellence. Mark is the founder of the Work Comp Analysis Group on LinkedIn, the largest online discussion group dedicated exclusively to workers' compensation issues. On this episode of In The Know, Chris Hampshire and Mark explore the changing landscape of the workers' comp landscape, hot topics in today's workers' comp space, and the game changer that is (or could be) AI.   Key Takeaways Mark's journey toward prominence in the workers' comp space. Workers' comp is an industry that fundamentally helps people. The current state of workers' comp line of coverage. Mark's inspiration behind the LinkedIn Work Comp Analysis Group. Lessons learned from Mark's career. The challenging impact of AI on workers' comp. GLP-1 drugs, marijuana, and other hot topics in the workers' comp space. Making the career move from claims to marketing and public speaking. Addressing the industry talent shortage. Mark's five-year look at the future of the industry. “The outcome makes the journey worth it all.”   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes “Workers' comp is an industry that is fundamentally there to help people.” “Risk managers like comp right now because it's predictable.” “There's not a week that goes by that you don't learn something in this industry.” “At its core, we are an industry that's there to help people.” “The insurance industry is the financial backstop of the entire economy.”  

Who are the students and emerging professionals in insurance and risk management today, and what are they looking for in future employers? What do they value most when making career decisions? Gamma Iota Sigma Board of Trustees member and Travelers Executive Vice President and Personal Insurance President Michael Klein, Denise Perlman, Chief Executive Officer of Middle Market at Aon, and Robert Hartwig, Ph.D., CPCU, Associate Clinical Professor of Finance and Director of the Risk and Uncertainty Management Center at the University of South Carolina, shared their unique insights both as leaders in the industry and as mentors for emerging talent. They provided perspectives on how the insurance industry can create meaningful career pathways and rewarding careers for tomorrow's rising stars.Watch the original Wednesdays with Woodward® webinar: https://institute.travelers.com/webinar-series/symposia-series/insurance-emerging-talent.---Visit the Travelers Institute® website: http://travelersinstitute.org/.Join the Travelers Institute® email list: https://travl.rs/488XJZM.Subscribe to the Travelers Institute® Podcast newsletter on LinkedIn: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=7328774828839100417.Connect with Travelers Institute® President Joan Woodward on LinkedIn: https://www.linkedin.com/in/joan-kois-woodward/.

Kate Fowler is the Global Head of Nuclear at WTW and a certified fire protection specialist. She previously contributed to Marsh's Global Specialty Energy & Power team, where she worked to advance nuclear energy initiatives. In this live from RIMS 2025 Chicago episode, Kate offers an insight into this highly specialized sector of risk management, including a look at the future of nuclear energy, the benefits of earning her ARM and CPCU advancing nuclear energy initiatives designations, and what she wishes she had known at the onset of her insurance career.   Key Takeaways: ● Kate's role with WTW aims to support the global construction practice with nuclear plant contractors and potential operators. ● Originally an architectural engineer, nuclear engineering wasn't in Kate's initial career plan. ● The technical ins and outs of fire protection. ● Transitioning from loss control to underwriting to the broker side. ● Nuclear energy is ramping up again for the first time in a decade. ● Energy independence is becoming a greater focus than ever before. ● Clean energy technologies will be part of future solutions. ● Kate's perspective and expectation shift from an underwriter to a broker. ● The benefits of ARM and CPCU designations in Kate's career. ● Considerations when moving from one established broker to another. ● Types of nuclear energy, including advanced reactors, fission, and fusion. ● Kate's experience as a woman in a male-dominated field. ● Kate still doesn't know what she wants to be when she grows up — and that's okay. ● Don't worry about a career plan, just follow the breadcrumbs. ● Recruiting talent in the nuclear insurance industry means building a talent pool.   Mentioned in This Episode: Kate Fowler WTW   Tweetables:   “Originally, I didn't even know nuclear insurance was a thing.”   “I want to do more for the nuclear industry and support more people in the nuclear industry.”   “For all of the new nuclear assets that are coming online, the first thing you've got to do is construct them.”   “My career has absolutely not gone the way I expected it to, and it has been amazing.”  

Katie Reynolds is the Executive Director of AIRROC, the Association of Insurance and Reinsurance Run-Off Companies, the only U.S. nonprofit dedicated to promoting the interests of the legacy insurance and reinsurance community. She brings nearly a decade of experience in the legacy sector from claims leadership roles at RiverStone and The Hartford. An active AIRROC member since 2020, Katie has served on committees, the NextGen Council, and the Board of Directors. She holds a B.A. from the University of Rochester and a J.D. from the University of New Hampshire School of Law. On this episode of In The Know, Chris Hampshire and Katie discuss her transition from the carrier side to her current work as an executive director focused on the legacy sector.   Key Takeaways ● Katie's unintentional career journey toward her current position. ● Defining legacy and run-off business. ● Desirable features of the legacy space. ● The current state of the legacy sector. ● Addressing technology challenges in the legacy sector. ● Key aspects to valuating deals. ● AI, claims, and other trends in the legacy space. ● All about the offerings at AIRROC. ● Katie's insights into her new position and all that it entails. ● Katie's next-generation pitch for the insurance talent shortage. ● A look at the five-year future of legacy. ● Katie's encouraging advice to her early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes ● “In legacy, celebrate every time something actually works the way you want it to!” ● “There is tremendous opportunity in legacy.” ● “Legacy holds a lot of interest and a steady amount of deals.” ● “I never thought of myself as an insurance nerd, but now I'm literally planning parties to celebrate insurance.”

Insurance can feel like a maze of jargon, rising costs, and confusing policies, but it's also one of the most important tools for protecting wealth. How do you know if your coverage is enough? When should you shop around, raise deductibles, or consider umbrella protection? In this episode, Peter Raskin talks with longtime friend Robert … Read More Read More

This episode of In The Know features host Chris Hampshire and Leah Ohodnicki, Executive Vice President of Carrier Relations at RT Specialty. Leah leads strategic initiatives to strengthen trading partnerships and drive growth across the wholesale insurance landscape, and brings two decades of experience spanning retail brokerage, E&S carriers, MGUs, and program business. Leah began her career at Marsh in 2006, advancing through leadership roles in marketing and business development. In 2015, she joined Argo Group, where she led distribution for the group and later led Specialty Programs. Leah also served as the executive sponsor for Argo Group's Gender Equality employee resource group. In 2023, Leah joined Ethos Specialty, part of Ascot Group, where she led Strategic Partnerships and served as interim head of Casualty Programs. Leah co-chairs the community committee for RT Specialty's WOW! — Women Opportunity Winning! — and serves on the boards of the Pittsburgh CLO and the University of Pittsburgh's Frederick Honors College. Today, Leah and Chris discuss the wholesale specialty marketplace, the role of distribution, and other aspects of this industry segment, and Leah's experience as a female leader in the insurance industry.   Key Takeaways Leah's career journey from marketing to insurance. Roles and responsibilities of leading carrier relations. The current state of the wholesale specialty sector. Key differences between wholesale and primary markets. Leah's message to anyone considering a career in insurance. Leah's experience as a female leader in insurance. Technical capabilities and character considerations in the hiring process. The value of a CPCU designation in an insurance career. Questions Leah asked herself when considering career moves. Technology's impact on the wholesale sector. A five-year look at the future of the industry. Leah's advice to her college-aged self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes “Carriers are all looking for ways to access brokers that they want to do business with.” “The wholesale specialty sector is in a really healthy place right now.” “Within insurance, you have the ability to be exposed to so much about what is going on in the world.” “Insurance is at the heart of the economy.” “If you have a seat at the table, you're there for a reason. Own it!” “What is the brand that you're building on your social media platform?”  

In this special episode of In The Know, our podcast host Chris Hampshire takes on the role of guest when he is interviewed by Spenser Villwock, Executive Director of the CPCU Society and President of Associations at The Institutes. Chris works with leading P&C carriers and program administrators to design impactful claims management programs as a Vice President of Sales in Gallagher Bassett's Carrier Practice. He was elected as the Global CPCU Society President in 2022, served as the President-Elect in 2021, began a three-year term on the National CPCU Society's Leadership Council in 2018, and joined the Executive Committee in 2019 after serving as the Philadelphia CPCU Society Chapter's President in 2016 and 2017. He holds his CPCU, CIC, and ARM designations, completed his Bachelor's degree at the University of Pennsylvania, and earned his MBA through the Loyola University Maryland MBA Fellows program. Chris completed The Institutes' Executive Education program at the University of Virginia's Darden School of Business in 2017. He also recently earned his Master's in Insurance Management degree at Columbia University. As the guest on this five-year podcast celebration episode, Chris highlights five years of takeaways from the In The Know podcast, shares his insights into the future of the insurance industry, and offers three points of career advice that have guided his success.   Key Takeaways Chris shares his insurance career and CPCU story. The power of intentional transitions throughout your career. Supplementing a successful career with lifelong learning. Designations as a sign of credibility. Engagement with the CPCU Society from local to global levels. Recruiting top talent into the risk management industry. Five years of takeaways from the In The Know podcast. Insights into the future of the insurance industry. Chris shares three points of advice to his early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes “You need to be your own career manager.” “Do you have five years of experience, or one year of experience five times?” “Having designations shows a level of credibility.” “Don't be afraid to ask questions. This is a big industry, and no one knows everything.” “You should always be working toward the position you want, just know that it will probably be different by the time you get there.” “You always have the choice to get in the arena or just sit on the sidelines. You will always learn more by jumping in.”  

In this 5th anniversary episode of In the Know, one of our earliest podcast guests returns to help us celebrate and to determine which of his 2020 predictions have come true. Rob Galbraith is the founder and CEO of Forestview Insights, an independent consulting, research, and training company focused on enabling organizations to create and build a lasting culture of innovation. Rob has over 25 years of experience in the financial services industry in various leadership positions, and is the author of the international best-selling book The End Of Insurance As We Know It. He is a recognized thought leader in the insurance sector, a frequent media contributor, and a popular keynote speaker. Rob earned his CPCU designation in 2003 and has held a variety of volunteer leadership positions at the local and national levels for the CPCU Society. Together with Chris Hampshire, Rob offers insights into the intersection of insurance and technology and shares what it takes to build a culture of innovation in today's industry.   Key Takeaways Rob's 25-year journey in the financial services industry. Behind the scenes of The End of Insurance As We Know It. Insights into the intersection of insurance and technology. Rob's decision to pursue a second-act career. Building a culture of innovation in the insurance industry. Surprising developments in innovation. Four predictions that Rob made in 2020 — focused innovation efforts, going digital, employee engagement, and developing new industry products.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes “There is a misnomer that insurance is averse to technology. We've embraced technology.” “Companies are much better at working with startups today than ever before.” “Not all innovation is the same.” “Top-down, offensive innovations are the ones that are going to ultimately separate you with a lasting, competitive advantage over time.” “You can't wait for an unexpected event like the pandemic to happen to then start innovating.”  

Brian Baughman, CPCU, ARM - ESOP Evangelist and VP of Sales at The Hartwell Corporation. We chat about why it makes sense for agencies to adopt an Employee Stock Ownership Plan (ESOP) and what the advantages are. All employees are automatically owners after roughly a year. This aligns incentives in a way virtually impossible in other types of ownership structures. A very interesting conversation! Brian Baughman: https://www.linkedin.com/in/brian-baughman-cpcu-arm/The Hartwell Corporation: https://www.thehartwellcorp.com/Video Version: https://youtu.be/Zwb2At9v-ak

Marc Adee is the CEO of Crum & Forster, a leading specialty insurance carrier founded in 1822 and headquartered in Morristown, New Jersey. Marc joined Fairfax in 2000 and holds a B.A. from Northwestern University and an M.B.A. from the University of Chicago. He is a fellow of the Casualty Actuarial Society and a member of the American Academy of Actuaries. He serves on the boards of the American Property Casualty Insurance Association, the Maurice R. Greenberg School of Risk Management, Insurance and Actuarial Science, the Foundation for Morristown Medical Center, the Community Foundation of New Jersey, the Tri-County Scholarship Fund, and Fulcrum Digital. In this episode of In the Know, Chris Hampshire and Marc discuss his career path and work as an actuary, his book The Once and Future C & F, and his passion for getting the next generation fired up about being in insurance.   Key Takeaways Marc's career path and focus on preparing the next generation in the insurance industry.  Marc recalls his decision to research and write The Once and Future C & F as a busy CEO. The history of Crum, a great company that lost its way and got another chance. Luck versus strategic decision-making in redefining a company. The impact of culture on driving desired results. Marc's advice for crafting the career path you envision. Characteristics of key leadership individuals. Attracting high-quality talent in today's economy. Marc's blissful advice to his early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes “Crum is a great company that lost its way and got another chance.” “Getting the right people in and getting them excited is a big part of a company's culture.” “You can have a rich career develop in one place, but it may require you to raise your hand for some of the crummy jobs.”  

James Lawrence, better known as The Iron Cowboy, is a world-renowned keynote speaker, bestselling author, and endurance athlete who redefined human potential by completing 50 Ironmans in 50 days across all 50 states — and then doing the unthinkable — 100 full-distance triathlons in 100 consecutive days. Before becoming the greatest endurance athlete in history, James was a successful entrepreneur, running a thriving mortgage company and helping hundreds of clients build wealth through homeownership and strategic refinancing. That same relentless mindset that powered him through thousands of miles now fuels his ventures in multi-family real estate and ownership of Crumbl Cookie franchises. He's been named one of Sports Illustrated's “Fittest 50,” featured in two acclaimed documentaries, and honored alongside icons like LeBron James and Conor McGregor. But James's story isn't just about athletic records — it's about purpose, resilience, and refusing to settle for average. In this episode of In the Know, Chris Hampshire and James examine the importance of risk-taking in any successful career, techniques for transferring fear to excitement, and the possibilities that are available to those who are brave enough to tackle the unknown.   James will be the closing keynote and conferment speaker at this year's In2Risk event, taking place November 3‒5 in New Orleans. For more information and to register, visit In2Risk.org. Register by Sept. 5 to take advantage of early bird rates.   Key Takeaways James's pivot from the mortgage industry to extreme sports. The importance of risk-taking in any successful career. Calculating which risks bring the greatest rewards. The suffering is worth it when you show up prepared. The future is filled with possibilities for those who are willing to take risks. AI leverage has the potential to bring greater joy to the workforce. Techniques for transferring fear to excitement. Breaking monumental accomplishments down into manageable tasks. Personal development and risk-taking. Staying healthy while achieving incredible goals. What to expect from James's keynote presentation at In2Risk. A five-year look at the rapidly changing future. James's encouraging advice to his early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes “Sometimes hitting rock bottom can be the greatest gift.” “What is the risk that I have to take? And what is the benefit to myself, my family, my community?” “The suffering is always worth it if you show up prepared.” “For people who understand and leverage AI, it's going to bring a lot of joy and happiness in their lives.” “Am I going to allow fear to dictate my decisions, or am I going to continue to chase my dreams?” “Taking risks and personal development go hand in hand.”  

Heather H. Wilson, Chief Executive Officer of CLARA Analytics, has more than a decade of executive experience in data, analytics, and artificial intelligence, including Global Head of Innovation and Advanced Technology at Kaiser Permanente and Chief Data Officer of AIG. While at AIG, she was named Insurance Woman of the Year by the Insurance Technology Association for her data innovation work. Wilson has been a steady supporter of diversity. She launched the Kaiser Permanente Women in Technology group, focused on mentorship and retention for women in math, technology, and science. At AIG, she launched Global Women in Technology and served as Executive Sponsor of Girls Who Code. In this episode of In the Know, Chris Hampshire and Heather explore the work she has done to empower women in coding and STEM, AI technology advancements, and strategies for addressing talent challenges in today's fast-evolving insurance industry.   Key Takeaways Heather's career unfolded in three chapters. The current state and application of analytics in today's insurance industry. A look into the future of large language model (LLM) technology. The application of agentic AI in the claims sector. Integrating new and legacy technology platforms. Heather's experiences as a female leader in the insurance industry. Industry disruption, talent recruitment, and navigating the silver tsunami. Data analysts and the insurance industry. A five-year look to changing agent and adjuster responsibilities. Heather's strategic risk advice to her early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes “At the end of the day, there is an outcome that we're trying to drive for the claimant and for the insurer.” “AI is helping us take the surprises and get in front of them to handle cases differently.”  “Whether it's a risk or claims system, they really have the opportunity to lead the insurance industry on agentic AI.” “Data is still king, and so is the orchestration of that data.” “For super complex cases, people still need to have that human-in-the-loop touch.”

On this episode of The Savvy Adjuster Podcast, Senior Account Manager Chris Nichols explores the 100% structural assessment process with Jarrod C. Burns, MS, PE, Founder and Principal Engineer of BSC Forensics, part of Alpine Intel's suite of services. Joining them is Pre-Loss* Co-Founder and Executive Large Loss Specialist Steven Romero, CPCU, AIC, ARM, who offers insurance-industry insight into how this method helps during disputes by reducing exposure and providing easy-to-understand documentation of an entire property. Learn how a team approach, spatial modeling (SAM), and other strategies can lead to more accurate complex claim resolutions.  *Note: Pre-Loss is an independent consulting firm not affiliated with Alpine Intel.Discussed in This EpisodeHow the 100% assessment process worksHow BSC's spatial modeling (SAM) provides visual scene representationsThe importance of the 100% assessment approach in disputes and resolutionThe value of reducing total exposure in a large lossBSC and insurance industry insights from an actual 100% assessmentAdditional ResourcesAlpine Intel Resource Page: https://bit.ly/446IjoIBSC Forensics: https://bit.ly/4ndwvd1Additional Large Loss Resources:Article: Tech-Supported Commercial Assessments Enhance Claims Process: https://bit.ly/3HIYQaR eBook: Tackling Large Loss Fire Claims with Subrogation Potential: https://bit.ly/3FGeP92Guide: Settling Commercial HVAC Large Loss Claims: https://bit.ly/3Ts6adn

Bhaskar serves as a Principal Technology Evangelist on Guidewire's Global Technology Alliances and Marketplace team. In his role, he works with solution, technology, and systems integration partners to develop technical integration strategies and promote Guidewire's cloud platform. He's also a passionate supporter of the Guidewire Insurtech Vanguard program, which helps insurers discover innovative InsurTechs. Bhaskar brings a unique blend of P&C insurance domain expertise, technical background, and deep knowledge of the Guidewire ecosystem. His experience spans enterprise software development, technology consulting, product management, and implementation projects. In this episode of In the Know, Chris Hampshire and Bhaskar dive into all things insurtech and its impact on the insurance industry, strategies for approaching legacy technology challenges, the possibilities of AI, and what the transformed future of the insurance industry could look like.   Key Takeaways Bhaskar's decision to marry the industry and date the technology. At Guidewire, Bhaskar's work impacts the entire industry ecosystem. The current state and impact of insurtech. Strategies for approaching legacy technology challenges. The state of acceptance of cloud technology. Addressing integration concerns for optimal upgrade success. Short- and long-term impacts of AI in the insurance industry. A look at the entirely transformed five-year future of the industry. Bhaskar's broader-thinking advice to his early career self.   Special thank you to Guidewire, one of the CPCU Society's annual partners, for their generous support and for sponsoring this episode of In the Know.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society   Quotes “I made the decision to marry the industry and date the technology.”  “We have a responsibility to lead, but we also have a responsibility to lift.”  “Insurtech has changed the insurance world, but not in the way that everyone thought previously.” “Insurtech is more of a maturing system than a disruptor.” “The insurtech space has transformed the industry's digital transformation.” “If you want to easily upgrade, embrace cloud.” “AI is going to fundamentally change the insurance model.”  

Ranesha Dean is a branch manager for Caribbean Alliance Insurance Company, a regional general insurance company in the Eastern Caribbean, and is responsible for the Bahamas operations. Her career in the general insurance industry began in 2009, and she has worked in various roles over the years, including sales, underwriting, claims, and compliance. She holds a BA in economics and finance from The University of The Bahamas (formerly College of The Bahamas) and several designations with The Institutes, including the CPCU designation (2022). Ranesha is an avid insurance learner eager to dive into new insurance topics as an aspiring insurance writer. In this episode of In the Know, Chris Hampshire and Ranesha explore the unique challenges of the Caribbean insurance market, the impact of climate change on business, and the impact that her CPCU designation has had on her career.   Key Takeaways Ranesha's journey into the insurance market led to branch manager. Unique challenges of insurance in the Caribbean. Capacity crunch and climate change impacts. The response of the insurance industry in the wake of 2019's Hurricane Dorian. Technology and IT advances in the Caribbean. Ranesha's message to anyone considering joining the insurance industry. The impact of the CPCU designation on Ranesha's career. Attracting new talent to the industry in the Caribbean. Surprises that Ranesha has discovered in her career. A five-year look at the future of the Caribbean insurance market. Ranesha's CPCU Society advice to her early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership, and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society

Jim Jones is the co-creator of the new In The Know podcast music and has been the Executive Director of the Katie School of Insurance & Financial Services at Illinois State University since 2001. The Katie School supports over 500 students majoring in Risk Management and Insurance (RMI), actuarial science, and other majors, who are interested in careers in insurance. Jones works with ISU faculty, staff, administration, and industry executives in helping to develop talent for industry and educate students at the velocity of change. He holds an MBA in International Business from Saint Louis University, a BSBA in Finance and Accounting from the University of Missouri Trulaske College of Business, and CPCU, AIC, ARM, and AIS. In this episode of In the Know, Chris Hampshire and Jim discuss microinsurance in developing countries, the next generation of talent, what Gen Z is looking for in a career, and tactics for successfully addressing the talent gap in the insurance industry.   Key Takeaways Jim's current role in the insurance industry focuses on the next generation of risk management professionals. As the Director of Claims Education, Jim taught 20,000 students each year. Jim's research in creating inclusive insurance in developing countries. In The Know's new theme song was written while Jim was in Kathmandu. Expanding the reach of microinsurance to underserved populations. A portrait of today's recently graduated insurance professional. Tactics for addressing the talent gap in the insurance industry. Characteristics of companies that successfully hire recent graduates. Jim's stand-apart advice to his early career self.   In the Know podcast theme music written and performed by James Jones, CPCU, and Kole Shuda of the band If-Then.   To learn more about the CPCU Society, its membership and educational offerings, tools, and programs, please visit CPCUSociety.org.   Follow the CPCU Society on social media: X (Twitter): @CPCUSociety Facebook: @CPCUSociety                 LinkedIn: @The Institutes CPCU Society Instagram: @the_cpcu_society  

Will vs. Trust: Secure Your Legacy with Randolph Love III | The Entreprenudist Podcast   The Entreprenudist Podcast https://entreprenudist.com In this episode, Randolph Love III, ChFC®, CLU®, FLMI, CPCU—founder of ShieldWolf Strongholds—shares insights on the importance of estate planning and the roles of Wills and Living Trusts in securing your legacy with the residents of Lenox Cove Apartments in Jacksonville, Florida; orgaized by Trinisia “Trish” White of Project Access Resource Centers. Whether you're beginning your wealth-building journey or looking to protect existing assets, this discussion offers valuable considerations for your financial future. Explore Strategic Wealth Protection: Discover how ShieldWolf Strongholds can assist you with business exit planning, tax-free retirement strategies, and legacy building—all through a seamless, fully virtual process.

Tim Fletcher is Gen Re's VP, Senior Emerging Issues Specialist, and an avid contributor to Gen Re's blog, and he edits the UM/UIM Liability Laws Survey. He is a graduate of the University of Minnesota (Bachelor of Arts, Journalism) and the Michell-Hamline School of Law (Juris Doctor), and currently serves on CPCU's Reinsurance, Excess & Surplus Lines Interest Group and as chapter governor for the Upper South Region. He is a founding member of the Atlanta Insurance Coalition for Change and a guest lecturer on Risk Management and Insurance at Georgia State University and many industry organizations. In this episode of In the Know, Chris Hampshire and Tim explore emerging issues and exposures in the insurance industry, including AI, forever chemicals, social inflation, and medical advancements.   Key Takeaways Tim's journey from journalism to the insurance industry. The current state of the industry in the face of climate change. Messaging ways to reduce premiums with improved building processes. AI's impact on the present and future state of the insurance industry. Trends to be aware of in the AI space. Forever chemicals and microplastics as critical exposures that impact insurance. Social inflation and nuclear verdicts now and in the future. Growth and implications of autonomous vehicles and humanoid robots. Evolving technologies in the medical field. Addressing the talent gap in the insurance industry. A first look at the next generation of insurance agents. A five-year look at the technology-enhanced insurance industry. Tim's adventurous advice to his early-career self.   Quotes “There are opportunities for the insurance industry to better communicate its message.” “We're on the dawn of something significant that's going to be very interesting and exciting.” “I don't think there's any other profession that has a greater misunderstanding from what the public thinks it is to what it really is than the insurance industry.” “Your CPCU designation gives you a nice exposure to all facets of the insurance industry.” “Don't just put your CPCU designation on the shelf. Get active!”

Lori Hurkin is the Director of Casualty Claims at Nationwide Insurance. Lori has over 31 years of experience and has worked for State Farm and Nationwide. Lori spent six years honing her leadership skills and facilitating effective communication within teams as a development trainer. She has 24 years of experience in auto claims and has navigated every stage of the claim life cycle in multiple leadership roles. Lori achieved her CPCU certification in 2003 and has remained involved with the Iowa chapter and the Ethics Committee at the national level. Lori holds several prestigious designations, including CLU, CFC, SCLA, and CIC. She is a certified facilitator for both the Vital Smarts Influencer program and Corporate Coach U's Coaching Clinic. In this episode of In the Know, Chris Hampshire and Lori discuss ethics, the past, present, and future of claims, and Lori's approach to leadership training.   Key Takeaways Lori's customer service background led her into the insurance industry. In technical claims, Lori works to implement enhanced claims automation. The current state of claims automation. AI's role in the evolution of automation is encouraging but still limited. Insights into the threat actor space. The importance of ethics and insurance is highlighted in the CPCU space. Examples of ethical dilemmas in insurance. Solid leadership development in the next generation of the insurance industry. Lori's message to anyone considering a career in claims. The benefits of the CPCU designation. A five-year look at the future of the insurance industry. Lori's encouraging advice to her early career self.   Quotes “There are a lot of companies that are looking to capitalize automation, not only for the company but for the customer.” “Doing the right thing may not always be the simple answer in insurance.” “We need to make sure that we are creating and developing professionals in our baseline associates.” “Creating that world-class underwriter mindset is very important.”  

In this episode of Power Producers Podcast, David Carothers sits down with Andrew Kelly from AJ Wayne & Associates, Inc, a seasoned wholesaler specializing in professional liability. Together, they dive into the evolving landscape of professional exposures and the critical role wholesalers play in supporting producers and navigating the hardest market many have ever experienced. From Andrew's inspiring 21-year journey in the industry to actionable advice for retail agents, this conversation offers valuable insights for anyone looking to sharpen their approach to professional liability. Key Points: Andrew Kelly's Journey Andrew shares his unique path from an admin role to becoming a trusted wholesaler, emphasizing the value of mentorship, persistence, and continuous learning. The Importance of Complete Submissions Andrew highlights how detailed, well-prepared submissions can foster better partnerships with wholesalers and lead to more efficient and effective results. The Role of Education and Designations Both David and Andrew stress the significance of professional designations like RPLU, CPCU, and others in building expertise and trust in the industry. Navigating the Hard Market The discussion explores strategies to thrive in today's challenging insurance market, from focusing on relationship-building with underwriters to leveraging market conditions to differentiate as a producer. The Power of Partnerships Andrew emphasizes that insurance works best as a collaborative effort between agents, wholesalers, and underwriters, underlining the importance of mutual respect and long-term relationship investment. Connect with: David Carothers LinkedIn Andrew Kelly LinkedIn Kyle Houck LinkedIn Visit Websites: Power Producer Base Camp AJ Wayne & Associates, Inc Killing Commercial Crushing Content Power Producers Podcast Policytee The Dirty 130 The Extra 2 Minutes

Want to share your thoughts? Fill out our listener form Request A Customized Workshop For Your Company In this episode of "Negotiate Anything," Kwame Christian is joined by Crystal Ware, ESQ, CPCU, to discuss the multifaceted concept of value in professional settings. Crystal shares her insights on helping women recognize their inherent worth beyond mere salaries, offering practical strategies to self-promote and negotiate effectively. The episode delves into her six-part framework, "Earn It," designed to empower women to close the pay gap and achieve career satisfaction. Listeners will leave the conversation with actionable advice and a renewed perspective on how to leverage their unique skills for maximum career advancement. What Will Be Covered: The importance of understanding and communicating your inherent value in professional settings. Crystal Ware's six-part framework, "Earn It," for effective negotiation. The role of mindset in self-promotion and closing the gender pay gap. Connect with Crystal Want to subscribe to "The Clarity" Newsletter, visit us here: www.crystalwaremedia.com Follow Crystal on LinkedIn crystalwaremedia.com  cadenceinsurance.com  https://linktr.ee/crystalware Listen to Get Clear with Crystal Ware Podcast Contact ANI Request A Customized Workshop For Your Company Follow Kwame Christian on LinkedIn The Ultimate Negotiation Guide Click here to buy your copy of How To Have Difficult Conversations About Race! Click here to buy your copy of Finding Confidence in Conflict: How to Negotiate Anything and Live Your Best Life! What's in it for you? Exclusive Advice: Gain insights from top negotiation experts. Community Support: Connect with a like-minded community focused on growth. Personal & Professional Growth: Unlock strategies to enhance every aspect of your life. You deserve to negotiate more of the best things in life, and now you can! Don't wait—be the first in line to experience this game-changing resource.