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Send us a textIn our lives we will eventually have to deal with conflicts. How do we handle that conflict? How do we maintain relationships when that conflict is with people we care about? How do we return back to safety after conflict? These are all questions we answer this week as we are joined again by our friend Aubrey Aust! To learn more about Aubrey, check out her website aubreyaust.com or find her on Instagram at @aubrey__aust! Stay up to date with our episodes and happenings by following us on Facebook, Threads, Instagram, and LinkedIn and please email any questions or feedback to TouchySubjectsPodcast@gmail.com or head to our website TouchySubjectsPodcast.com.If you or someone you know wants assistance please call the National Hotline at 1−800−799−7233 or visit https://www.thehotline.org or the National Sexual Assault Helpline at 1-800-656-4673 or RAINN.org.Music credits: Uplifting Summer by Alex_MakeMusic (2021) Licensed under a Pixabay License. http://pixabay.com/music/dance-uplifting-summer-10356/The views and opinions expressed in this podcast are the host's own and might not represent the official views and opinions of the agencies in which they represent. 

Episode #278!The Business of Life Master Class Podcast-https://www.facebook.com/TheBusinessOfLifeMasterClassYoutube: www.youtube.com/@thebusinessoflifemastercla1060Instagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLRenee ScottLinkedIn - YELP - Google - Instagram - FacebookRenee Scott Insurance Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Sam is a huge Bears fan. He sets up his brand new smoker in the backyard and put a perfectly seasoned pork shoulder on to cook all day -- just in time for the Sunday Night Bears v. Packers game.  The smoker was near the side of the house, but not directly next to it. After 8 hours, the shoulder was tender and ready to eat… but the insured's siding had melted. Sam seeks coverage for the replacement of the melted siding (and for the pork shoulder he dropped when he saw the damage).   Notable Timestamps [ 00:23 ] - Sonia sets out a tragic game day scenario. [ 01:16 ] - Fire is often defined by courts using dictionary definitions, such as Merriam-Webster's: "the phenomenon of combustion manifested in light and heat". [ 04:38 ] - Scorching analysis suggests black marks may indicate oxidation and a glow (which could be fire damage), while brown marks often indicate high heat damage only. [ 06:58 ] - For insurance purposes, losses must be fortuitous; Sam was trying to smoke meat, not melt the siding, so the damage was fortuitous from his perspective. [ 08:37 ] - Most states rely on "proximate cause", i.e. the dominant or efficient cause that initiates the events, when analyzing causation for claims. [ 09:23 ] - Friendly fire is contained in its usual place (like a stove), while hostile fire is unexpected or uncontrolled and not in its intended location. However, this analysis is not typically used by modern courts. [ 11:43 ] - Sonia provides a recap of the points above. Your PLRB Resources The Future of Insurance Podcast - https://future-of-insurance.com/podcast/ Coverage Question: Smoker Melts Nearby Siding - https://www.plrb.org/documents/named-peril-coverage-smoker-melts-nearby-siding-pcq-2025-02-24-slc-a/ Coverage Question: Christmas Lights Scorched Couch: Is Couch Covered? - https://www.plrb.org/documents/fire-peril-scorched-couch/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Episode #277!The Business of Life Master Class Podcast-https://www.facebook.com/TheBusinessOfLifeMasterClassYoutube: www.youtube.com/@thebusinessoflifemastercla1060Instagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLChris KarloLinkedIn Profile  - X/TwitterTampa Tech CEOs - Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad OnesCheck Your Tears at the Door by Drivin N Cryin - Lucy by Mt. JoyHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Curd Appeal sells the best-looking cheeses on the block, but over the long weekend their refrigerator broke down, and now their limburger isn't the only thing that smells. The owner argues they are covered under the BP 00 03, but the adjuster spots some holes in their argument. The owner hits back with a supplemental endorsement they purchased, hoping to find coverage any way they can.   Notable Timestamps [ 03:00 ] - The five-point process for property coverage analysis includes: covered property, direct physical loss, covered cause of loss, conditions, and additional coverages/extensions. [ 04:37 ] - Mechanical breakdown (like a refrigerator going out) is often an excluded cause of loss in a standard policy. [ 07:18 ] - Supplemental endorsements for food spoilage are designed to work with the base policy and can specify limits and change base policy language. [ 08:59 ] - This food spoilage coverage extension insures against direct physical loss or damage to food stock or food merchandise contained in a refrigeration unit. [ 10:47 ] - The endorsement defines a covered cause of loss to include mechanical breakdown and power outage (change in temperature/humidity). [ 12:31 ] - This food spoilage endorsement often explicitly deletes the mechanical breakdown exclusion from the base policy, but only for that specific coverage extension. [ 13:41 ] - The food spoilage extension may only apply if the loss is not covered by Equipment Breakdown Insurance (an optional policy coverage). [ 14:10 ] - The optional Equipment Breakdown Protection Coverage in the BP 00 03 policy covers direct loss or damage caused by mechanical breakdown or electrical failure of machinery. [ 15:33 ] - The Equipment Breakdown Protection Coverage might exclude leakage at a valve or seal, which is a distinction that could make the supplemental endorsement the only source of coverage. [ 18:31 ] - Brennan provides a recap of the points above. Your PLRB Resources Property Question of the Week: Food Spoilage under BP and CP Forms – No Off-Premises Power Outage - https://www.plrb.org/documents/food-spoilage-under-bp-and-cp-forms/ Property Question of the Week: Mechanical Breakdown of Freezer: Food Covered? - https://www.plrb.org/documents/mechanical-breakdown-of-freezer-food-covered/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Air Date 11/02/2025 A lot of people on the left aren't feeling the love for their country right now and that's understandable but we have some thoughts on more productive ways to channel those conflicting feelings toward a country that is currently falling far short of living up to its founding ideals. Be part of the show! Leave us a message or text at 202-999-3991, message us on Signal at the handle bestoftheleft.01, or email Jay@BestOfTheLeft.com Full Show Notes Check out our new show, SOLVED! on YouTube! BestOfTheLeft.com/Support (Members Get Bonus Shows + No Ads!) Join our Discord community! KEY POINTS KP 1: Democracy's Morticians Steven Levitsky and Daniel Ziblatt on 'How Democracies Die' Part 1 - Lawfare Archive - Air Date 5-1-18 KP 2: How Trump Changed the World with Anne Applebaum Part 1 - PoliticsJOE Podcast - Air Date 6-14-25 KP 3: Giving Up Is Unforgivable with Joyce Vance Part 1 - Stay Tuned with Preet - Air Date 10-23-25 KP 4: How to FIGHT Mob Boss Politics in America with Senator Andy Kim Part 1 - How to Fix It with John Avlon - Air Date 10-19-25 KP 5: Unitary Executive Meets Textualism Part 1 - #SistersInLaw - Air Date 10-11-23 KP 6: How Underdogs Build Power Stephanie Luce Part 1 - Future Hindsight - Air Date 10-23-25 KP 7: Reclaiming Patriotism From Trumps America with Ted Johnson Part 1 - How to Fix It with John Avlon - Air Date 4-27-25 (00:59:59) NOTE FROM THE EDITOR On how the Left embraces the contradictions of the US DEEPER DIVES (01:10:45) SECTION A: SOCIETAL DRIVERS (01:47:04) SECTION B: INSTITUTIONAL EROSION (02:18:26) SECTION C: MILITARIZED LAWFARE (02:41:12) SECTION D: PATRIOTISM AND NARRATIVE SHOW IMAGE CREDITS Description: Composite image of the Declaration of Independence with three question marks on top filled with the image of the American flag. Credit: Internal composite design. Images via Pixabay. | Pixabay License   Produced by Jay! Tomlinson Visit us at BestOfTheLeft.com Listen Anywhere! BestOfTheLeft.com/Listen Listen Anywhere! Follow BotL: Bluesky | Mastodon | Threads | X Like at Facebook.com/BestOfTheLeft Contact me directly at Jay@BestOfTheLeft.com

Send us a textTrue Crime is an incredibly popular genre, but often the stories that are being told are not done in a way that is respectful to the victims and their families. How can true crime be not only told in an ethical way, but also become a tool for gaining empathy? These are questions we answer today with our special guest, Ashley of the F**k That Podcast! For more about Ashley and the F**k That Podcast head to fthatpod.com or find her on Instagram at @fthat_pod or on Tik Tok at @fthatpod.Stay up to date with our episodes and happenings by following us on Facebook, Threads, Instagram, and LinkedIn and please email any questions or feedback to TouchySubjectsPodcast@gmail.com or head to our website TouchySubjectsPodcast.com.If you or someone you know wants assistance please call the National Hotline at 1−800−799−7233 or visit https://www.thehotline.org or the National Sexual Assault Helpline at 1-800-656-4673 or RAINN.org.Music credits: Uplifting Summer by Alex_MakeMusic (2021) Licensed under a Pixabay License. http://pixabay.com/music/dance-uplifting-summer-10356/The views and opinions expressed in this podcast are the host's own and might not represent the official views and opinions of the agencies in which they represent. 

"Simply the Vest" is a dry cleaning service with a basement full of supplies, tools, clothing, and… water. After a heavy rain, the owners discovered that their sump pump had failed, causing water to back up into the basement, resulting in damage to their property. Under their BP 00 03 form, coverage for this cause is firmly excluded. However, they paid for a supplemental endorsement with some interesting technicalities… Notable Timestamps [ 02:43 ] - When assessing coverage, always start with the underlying policy form before reviewing any endorsements, ensuring clarity on the initial coverage. [ 05:32 ] - Supplemental coverages given to an insured typically identify specific needs that they have in the transaction and provide clear limits for each supplemental coverage provided. [ 08:11 ] - Endorsements can provide additional coverage for water-related claims like backup and overflow or mold, which are generally types of losses that would otherwise be excluded. [ 11:18 ] - Determining coverage requires looking at the exact policy language, fitting it to the specific scenario, and matching facts to the policy language. [ 13:45 ] - Sump pump issues often involve power outages (necessitating battery backup) or mechanical breakdown, but each claim has to be assessed based on its individual merits. [ 15:23 ] - An endorsement providing additional water backup coverage may also modify or replace the existing water damage exclusion found in the underlying BP policy. [ 17:49 ] - If a loss isn't excluded under the underlying policy, the supplemental coverage-- which could be subject to a lower limit-- would not be needed. [ 16:18 ] - Brennan provides a brief conclusion. Your PLRB Resources Coverage Question: Sump Pump vs. Septic Pump - https://www.plrb.org/documents/sump-pump-vs-septic-pump-pcq-2024-09-24-dwf-b Property Question of the Week: Sewer Backup Coverage vs. Flood Exclusion - https://www.plrb.org/documents/sewer-backup-coverage-vs-flood-exclusion/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Episode #276!The Business of Life Master Class Podcast- https://www.facebook.com/TheBusinessOfLifeMasterClassYoutube: www.youtube.com/@thebusinessoflifemastercla1060Instagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLChris KarloLinkedIn Profile  - X/TwitterTampa Tech CEOs - Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad OnesCheck Your Tears at the Door by Drivin N Cryin - Lucy by Mt. JoyHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

We are experiencing some technical difficulties with today's episode, so instead I thought I would share two clips that were previously cut for time. In these clips, Dana Grodin and Alison McLaney, both of Gemcor and Digipraise, answer our burning questions about diamonds, lab-grown and natural. I'll re-insert their introduction before we hop into the clips, but the rest of the material has never appeared on this feed before. You might have caught it if you subscribe to our YouTube channel, so if you like these quick hits head over there for more.    Notable Timestamps [ 00:50 ] - Introducing Dana Grodin & Ali McLaney of Gemcor & Digipraise. [ 03:33 ] - Beginning of the clip "I Didn't Think a Diamond Could Chip!" Although diamond is the strongest material known to mankind, it has weak points and structural bonds, meaning hardness does not equate to avoidance of chips. [ 05:00 ] - The myth of a "flawless" diamond is common, but most diamonds have clarity characteristics (crystals/clouds) that act as weak points visible under magnification. [ 06:15 ] - Gemcor determines if an imperfection breaks the surface, constituting damage, and investigates if the damage is new or pre-existing, noting mounting condition. [ 08:53 ] - Beginning of the clip "What is a Lab-Grown Diamond?" Lab grown diamonds are chemically and physically identical to natural diamonds. LGDs have exploded in popularity, now representing 50% of engagement ring sales.  [ 09:45 ] - Unlike natural diamonds created over millions of years, LGDs are grown in a lab in about 30 days, resulting in them being thousands of dollars less expensive. [ 10:45 ] - Differentiation between natural and lab grown diamonds requires very high-quality, specialized equipment because standard diamond testers and visual inspection fail. [ 12:00 ] - Ethically, all lab grown diamonds should have a laser inscription (e.g., LG) on the girdle, but vendors sometimes omit this marking, creating significant disclosure risk. [ 16:18 ] - Brennan provides a brief conclusion. Your PLRB Resources Podcast Episode: "You Can't Salvage My Mother's Ring!" https://youtu.be/Ijph_AuQZq4 Podcast Episode: The Lab-Grown Mismatch: One Earring, One Surprise https://youtu.be/zp8UUIqQ9Q0 Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Send us a textSocietal norms for women often push them to believing their life's goal is to get married and have kids. While that may be the goal for some women, that isn't the goal for all. So how did we get here? How are women taught to put nurturing and caring for others before themselves? How can we help women see they have more than one option? These are the questions we discuss today with our special guest Fanny Tristan! For more about Fanny and Her Soul Supply check out hersoulsupply.com. You can also find her on Instagram at @hersoulsupply and TikTok at @Hersoulsupply.Stay up to date with our episodes and happenings by following us on Facebook, Threads, Instagram, and LinkedIn and please email any questions or feedback to TouchySubjectsPodcast@gmail.com or head to our website TouchySubjectsPodcast.com.If you or someone you know wants assistance please call the National Hotline at 1−800−799−7233 or visit https://www.thehotline.org or the National Sexual Assault Helpline at 1-800-656-4673 or RAINN.org.Music credits: Uplifting Summer by Alex_MakeMusic (2021) Licensed under a Pixabay License. http://pixabay.com/music/dance-uplifting-summer-10356/The views and opinions expressed in this podcast are the host's own and might not represent the official views and opinions of the agencies in which they represent. 

This is a holiday week for the podcast, so we're replaying a classic episode. This episode has been lightly edited to remain accurate to the upcoming 2025 Large Loss Conference taking place at the Gaylord Texan Resort & Convention Center in Grapevine, TX on Wednesday November 12 through Friday November 14. We'll be back next week with our regularly scheduled episode.   Today our adjuster is leveling up in their career and handling their first large loss property claim. The adjuster quickly runs into trouble-- where can a claims professional go for help? This November 12 - 14 in Grapvine, TX, join PLRB for the 2025 Large Loss Conference.   Notable Timestamps [ 00:39 ] - Alissha asks HERSELF "what's the scenario?" This scenario features late notice, Category 3 water, and additional damage during a claim. [ 03:24 ] - Late notice issues? Attend the educational session "It's Too Late, Baby, It's Too Late: Navigating a Late Reported Large Loss" with Andy Rock (Rock Law Group). [ 04:34 ] - For water mitigation issues, check out "Interpreting the Microbiology of Storm Damage" with Jeremy Beagle (SDII Global). [ 05:05 ] - For other large storm issues, see "A Coastal Catastrophe: Navigating a Large Hurricane Loss in the Northeast" with Anthony Antonellis and Brendan Labbe (both of Sloane and Walsh LLP). [ 05:45 ] - The Large Loss Conference is intended for claims professionals involved in these losses or hoping to get experience with larger claims, as well as the experts, attorneys, and accountants who provide insights on these claims. [ 06:43 ] - The Large Loss Conference is differently structured than PLRB's other conferences. The educational sessions are 90 minutes long, often more focused on case studies, and involve more interactivity. [ 07:56 ] - Andrew features the educational session "Back to the Future: How Adjusters Can Use Forensic Meteorology in Hail and Wind Claims" with Howard Altschule (Forensic Weather Consultants). [ 08:48 ] - The Large Loss Conference features many casualty and personal lines sessions as well, such as "We Didn't Start the Fire: Was it Smoking or Smokin'" with David Heemann (Mutual of Enumclaw), Pete Fowler (Fowler Construction Consultants), and Jennifer Kalvestran (Anderson, McPharlin & Conners LLP). [ 11:08 ] - The conference's general session will feature "Whoever Said Insurance Was Boring? 30 Years of Fascinating Claims Stories" with Steve Badger (Zelle LLP). [ 11:56 ] - Most educational sessions are approved in FL, TX, DE, NC, and OK Continuing Education credit, and even some courses approved for GA CE credit! [ 12:56 ] - To register, visit PLRB.org and click on the banner on the main page OR the Events tab. Registration is free for members. [ 13:50 ] - Maria McNally will be available to discuss membership or website questions. [ 14:45 ] - Alissha provides a recap of the scenario and the points above. Your PLRB Resources PLRB's Events tab: https://www.plrb.org/plrb-events/ Direct Link to PLRB's Large Loss page: https://www.plrb.org/event/plrb-2025-large-loss-conference/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Episode #275!The Business of Life Master Class Podcast-  https://www.facebook.com/TheBusinessOfLifeMasterClassYoutube: www.youtube.com/@thebusinessoflifemastercla1060Instagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLDennis HartinLinkedIn Profile - Instagram - X/TwitterElevate, Inc.@FluffyFloridaHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Today's insured looked out the window and saw that a windstorm with strong 50 MPH sustained winds had kicked up soil from their neighbor's farm fields. The soil accumulated in layers over their home, garage, pool, hot tub, and all their beautiful landscaping. The garage door was open, so their home carpentry workshop and storage was covered in dirt. Even their koi pond was buried in the soil. None of the buildings were structurally compromised, but the insured will need a professional cleaning.   Notable Timestamps [ 08:03 ] - Direct physical loss can include the cost of exceptional cleaning effort for a dwelling or other structure, even if no permanent damage occurred. [ 10:20 ] - Water in a pool or pond is likely not covered property under a standard homeowners policy due to a "property not covered" provision for water. [ 11:23 ] - The cost to drain and refill a pool may be covered if necessary to repair damage to the structure itself. [ 13:46 ] - Personal property inside a building is only covered for windstorm damage if the wind first created an opening (like to the roof or siding) through which dirt or dust entered. [ 15:02 ] - Personal property located outside a building, such as patio furniture, would be covered for damage from wind or a dust storm. [ 16:35 ] - Animals, including koi fish, are generally excluded from personal property coverage in a standard policy, often requiring a special endorsement. [ 19:14 ] - Damage to landscaping, trees, shrubs, and plants is an additional coverage, and windstorm is typically not one of the few named perils that apply. [ 20:47 ] - Beth provides a recap of the points above. Your PLRB Resources TYCK: Wind Blew Dirt On My Koi Fish - https://members.plrb.org/education/courses/wind-blew-dirt-on-my-koi-fish Coverage Question: Overflow from a Sump: Does It Apply to Water from a Drainage Line? (Another Koi Fish Hypothetical) - https://www.plrb.org/documents/overflow-from-a-sump-does-it-apply-to-water-from-a-drainage-line-pcq-2017-06-07-jch-a Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Send us a textWe always "communication is key" in relationships, but how do we know if our communication is healthy? How we do improve our communication skills and how do we know if communication is going well? Well we cover all of that and more this week with our special guest Raffi Bilek! For more about Raffi check out thecommunicationbook.com. To follow Raffi's find him on Instagram at @the.marriage.mentor! To purchase Raffi's book, The Couples Communication Handbook, head to Amazon HERE!Stay up to date with our episodes and happenings by following us on Facebook, Threads, Instagram, and LinkedIn and please email any questions or feedback to TouchySubjectsPodcast@gmail.com or head to our website TouchySubjectsPodcast.com.If you or someone you know wants assistance please call the National Hotline at 1−800−799−7233 or visit https://www.thehotline.org or the National Sexual Assault Helpline at 1-800-656-4673 or RAINN.org.Music credits: Uplifting Summer by Alex_MakeMusic (2021) Licensed under a Pixabay License. http://pixabay.com/music/dance-uplifting-summer-10356/The views and opinions expressed in this podcast are the host's own and might not represent the official views and opinions of the agencies in which they represent. 

Beatriz is a city dweller who never learned how to drive a car. However, recently she got tired of the train and decided to get an E-bike. She bought an old E-bike off a friend, purchased a battery from AftermarketBatteries.biz, and soon was zipping through the streets. Her friends even got her a "bumper sticker" that reads "Beatriz's Car" for the side. But one night, it caught fire while charging outside her apartment door. Is it a covered motor vehicle under the standard ISO HO-3 form?   Notable Timestamps [ 00:00 ] - E-bikes are becoming increasingly common in cities, raising new insurance questions, particularly around how coverage applies when losses occur. [ 02:23 ] - E-bike Trivia: Rainy Days & Freezing Batteries [ 04:12 ] - Coverage disputes often center on whether an e-bike qualifies as a motor vehicle under the HO3 form, with fire and theft being frequent causes of loss. [ 06:34 ] - E-bikes are classified into three classes based on speed and power, which affect where they can be ridden and complicate insurance coverage determinations. [ 08:24 ] - The 2022 HO3 form clarified that e-bikes with throttles are motor vehicles, unlike the 2011 edition, which did not define related terms. [ 11:42 ] - Pedal-assist-only e-bikes are generally not considered self-propelled, but throttle-equipped bikes risk being excluded as motor vehicles under certain policies. [ 13:22 ] - Policy language can lag behind technology, creating a gap where there is uncertainty in coverage. [ 16:14 ] - Expensive e-bikes may require endorsements for coverage, since they can fall into property-not-covered provisions under homeowners insurance. [ 17:05 ] - Urban fires linked to aftermarket batteries prompted new laws, such as requiring UL Certification in New York, to improve e-bike safety. [ 19:17 ] - Sonia provides a recap of the points above. Your PLRB Resources Coverage Question: Is an E-Bike Considered a Motor Vehicle in Minnesota? https://www.plrb.org/documents/is-an-e-bike-a-motor-vehicle-in-minnesota-pcq-2024-11-11-jch-a FAQ: E-Bikes and First Party Issues https://www.plrb.org/documents/e-bikes-and-first-party-issues/?search=ebike Recorded Webinar: Transportation Network Companies: Driving into the Future Webinar https://members.plrb.org/education/courses/transportation-network-companies-driving-into-the-future-webinar Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Episode #274!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLDennis HartinLinkedIn Profile - Instagram - X/Twitter Elevate, Inc.@FluffyFloridaHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Episode #273!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLSusie PecuchLinkedIn ProfileYoutubeDesign the Customer ConversationTHAT BUSINESS SHOW - Jan 2017 Chuck SIMIKIAN  Blog Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

A few months ago, today's insured decided to jump into the latest trend for a lot of suburban dwellers, and he got some chickens! He built a chicken coop and a caged in area for the chickens to be safe from predators. The coop itself looks like a very large shed with a fenced-in area extending from the coop. The insured calls up their agent to ask if there's coverage for the coop under their HO 00 03 03 22 policy covering their home and an attached garage.   Notable Timestamps [00:00] - A homeowner built a large chicken coop and asked their insurer whether it was covered under their 2022 homeowners policy. [02:00] - The hosts dive into trivia, noting that chickens are genetically the closest living relatives to the T-Rex. [05:00] - Coverage depends on construction: a coop attached to the house may fall under Coverage A, but detached coops lean toward Coverage B or C. [07:30] - One key test is portability: if the coop can move with the owner, it likely counts as personal property under Coverage C. [10:00] - Courts consider a variety of factors, e.g. how the coop is affixed, its adaptation for use, and the owner's intent to keep or move it. [12:30] - Some coops are deliberately not anchored to protect against flooding or predators, adding complexity to coverage classification. [14:25] - Similar issues arise with swing sets, pools, and other backyard structures—each must be evaluated individually. [15:15] - Selling eggs could cross the line into business use, potentially excluding coverage under standard homeowner policies. [18:00] - Coverage type affects settlement: Coverage B buildings may qualify for replacement cost, while Coverage C property is typically ACV. [20:00] - Beth provides a recap of the points above. Your PLRB Resources Coverage Question: Other Structures Used for Business – Raising Chickens https://www.plrb.org/documents/other-structures-used-for-business-raising-chickens/ Other Structures: Can Some Items Be Treated As Either Coverage A Or Coverage B Property? https://www.plrb.org/documents/other-structures-can-some-items-be-treated-as-either-coverage-a-or-coverage-b-property-pcq-2022-01-17-jem-a/?search=other%20structures Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Send us a textMen, especially black men, are often lacking spaces to talk with other men about themselves and their experiences with victimization and harm. This gap was identified by this weeks guest Martin Henson in response to the #MeToo and he created BMEN with the idea of exploring healthy ways to respond to sexual harm, and expanded to a holistic focus on building spaces for black men to process their unique experience. Join us as we discuss the work BMEN does, how they engage men, and how we can start to create spaces for more men to have conversations about how they navigate the world. For more information about BMEN check out bmenfoundation.org. To follow Martin's work, follow him on Instagram at @tillwefree, on Twitter at @tillwefree, and Medium at @tillwefree! Stay up to date with our episodes and happenings by following us on Facebook, Threads, Instagram, and LinkedIn and please email any questions or feedback to TouchySubjectsPodcast@gmail.com or head to our website TouchySubjectsPodcast.com.If you or someone you know wants assistance please call the National Hotline at 1−800−799−7233 or visit https://www.thehotline.org or the National Sexual Assault Helpline at 1-800-656-4673 or RAINN.org.Music credits: Uplifting Summer by Alex_MakeMusic (2021) Licensed under a Pixabay License. http://pixabay.com/music/dance-uplifting-summer-10356/The views and opinions expressed in this podcast are the host's own and might not represent the official views and opinions of the agencies in which they represent. 

Mia is a mid-level claims specialist with about five years' experience in the job. One afternoon, she gets a call from a customer named James. He's frustrated—bordering on furious. He's been waiting for an update about his property claim, and from his perspective, no one communicated anything. He feels ignored. He's escalating. Mia can tell this is going to be a difficult conversation. But instead of reacting defensively—or shutting down—she mentally runs through the CLEAR model.   Notable Timestamps [ 00:30 ] - The "CLEAR Method" module, developed with Equis Consulting, helps insurance professionals handle difficult circumstances and challenging customers effectively. [ 01:25 ] - The CLEAR Model is applied when an adjuster, Mia, handles a reassigned property claim from James, who is furious due to a lack of updates. [ 04:40 ] - "C" is for Connect; acknowledge the customer's emotions and frustration early to build trust and prevent escalation into a confrontational "fight or flight" situation. [ 07:05 ] - "L" is for Listen; allow frustrated customers to vent without interruption, actively hearing their concerns to gather clues and make them feel heard, without becoming defensive. [ 09:55 ] - "E" stands for Engage; avoid industry jargon and maintain a calm tone. Ask angry customers to list their top three priorities to shift them from emotional to logical thinking. [ 11:25 ] - "A" is for Acknowledge; recognize the customer's frustration without accepting blame or fault. This helps build trust and moves the conversation forward positively. [ 13:20 ] - "R" means Resolve; define next steps and set priorities to move the claim towards resolution. Under-promise and over-deliver on commitments to build trust and ensure follow-through. [ 16:35 ] - Mike provides a recap of the points above. Your PLRB Resources New Course: Handling Challenging People and Difficult Circumstances - https://members.plrb.org/education/courses/handling-challenging-people-difficult-circumstances-course Guest Site: Equis Consulting & their podcast “Leadership is the Conversation” - https://equisconsulting.com/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Episode #272!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLSusie PecuchLinkedIn ProfileYoutubeGDA Speakers - Design the Customer ConversationHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Messy Masonry, Inc. was hired as a subcontractor on a new home construction. Their job was to install two giant bay windows overlooking a lake, but they ended up splashing mortar on one of them. When they attempted to scrub it off, the window was scratched. As for the other window... another subcontractor, Outside the Lines Painting, was hired to paint the window frames, but accidentally sanded part of the windows in that process. The homeowner found the scratches months later.   Notable Timestamps [ 00:00 ] - A construction scenario involves Messy Masonry splashing mortar and scratching a bay window, and Outside the Lines Painting sanding another window, damaging the glass. [ 01:26 ] - The "damage to property" exclusion, particularly j(5) and j(6), is a complex and often confusing aspect of the CGL policy. [ 03:43 ] - Courts have ruled that if damage results from work product done incorrectly, it's not an "occurrence" and therefore not covered by a CGL policy, even before exclusions are considered. [ 05:28 ] - The j(5) exclusion applies to property damage on "that particular part of real property" where the insured or subcontractors are performing operations, if the damage arises from those operations. [ 06:03 ] - The j(6) exclusion covers "that particular part of any property" requiring repair or replacement due to "your work" being incorrectly performed. [ 11:32 ] - Courts have viewed incidental tasks, such as cleaning up mortar, as part of "performing operations," meaning damage occurring during such tasks can fall under the exclusion. [ 17:13 ] - The specific scope of a subcontractor's contract, detailing what work they were hired to perform, is a crucial factor in determining the applicability of CGL policy exclusions. [ 17:37 ] - Brennan provides a summary of the key takeaways. Your PLRB Resources Upcoming Course: All About the CGL Damage to Property Exclusion - Coming Soon! Learning Path: What Part is "That Particular Part" in the CGL j.(5) and j.(6) Exclusions? - https://members.plrb.org/education/courses/what-part-is-that-particular-part-in-the-cgl-j5-and-j6-exclusions Advantage Homebuilding LLC v. Maryland Cas. Co. 470, F3d 1003 (10th Cir. Kan. 2006). https://www.plrb.org/documents/advantage-homebuilding-llc-v-maryland-cas-co-2007/ Alverson v. Northwestern Nat. Cas. Co., 559 N.W.2d 234 (S.D. 1997) https://www.plrb.org/documents/alverson-v-northwestern-natl-cas-co-1997/ Employers Mut. Cas. Co. v. Pires, 723 A.2d 295 (R.I. 1999) https://www.plrb.org/documents/employers-mut-cas-co-v-pires-1999/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Episode #271!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLTour Du Mont Blanc (TMB)Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Send us a textFilm and art have a way of allowing us to build empathy for others and explore experiences we may never have. Dawn Dusk is a great example of that. Join us as we chat with directors Jason and Blue about their recently released documentary, Dawn Dusk, which explores the story of Chelli Look, a leather bag designer whose sister was murdered and who found her artistic voice through forgiveness, and how film can be a tool for social change! To watch "Dawn Dusk" head to tubitv.com/movies/100041659/dawn-dusk and to learn more about the documentary and Chelli, head to dawnduskfilm.com.To learn more about Blue and Jason, check out their website jasonandblue.com or find them on Instagram at @JasonandBlue! Stay up to date with our episodes and happenings by following us on Facebook, Threads, Instagram, and LinkedIn and please email any questions or feedback to TouchySubjectsPodcast@gmail.com or head to our website TouchySubjectsPodcast.com.If you or someone you know wants assistance please call the National Hotline at 1−800−799−7233 or visit https://www.thehotline.org or the National Sexual Assault Helpline at 1-800-656-4673 or RAINN.org.Music credits: Uplifting Summer by Alex_MakeMusic (2021) Licensed under a Pixabay License. http://pixabay.com/music/dance-uplifting-summer-10356/The views and opinions expressed in this podcast are the host's own and might not represent the official views and opinions of the agencies in which they represent. 

An insured filed a claim for a lost diamond earring. The stud and its match were scheduled as 1.00 Carat each, “I” color and SI clarity, for $8,000. Her insurer asked Gemcor create a match. When we received the mate, we ran our standard test and found something unexpected: the diamond wasn't natural. It was lab-grown. In the years since its purchase, the replacement cost for lab-grown diamonds has plummeted. But the insured believed they were both natural, and wants a natural replacement.   Notable Timestamps [ 00:58 ] - A client filed a claim for a lost diamond earring, but the mate, initially thought to be natural and scheduled for $8,000, was unexpectedly discovered to be lab-grown, with its replacement cost having plummeted. [ 01:28 ] - Lab-grown diamonds are chemically and physically identical to natural diamonds, grown from a seed crystal in a lab, and only very high-quality equipment can differentiate them. [ 02:08 ] - The main difference for lab-grown diamonds is value, as they are not rare. Natural diamonds take millions of years, while lab-grown are created in 30 days, making them significantly less expensive. [ 06:12 ] - An insured's original appraisal correctly stated "lab grown," but underwriting dropped this crucial detail from the policy, as the industry lacked awareness of its importance years ago. [ 10:10 ] - If an insurance company pays for a pair and later discovers the remaining earring is lab-grown, salvage recovery is minimal, as there's no market to resell them when new ones can be easily manufactured. [ 11:27 ] - A lab-grown diamond pair purchased for $8,000 in 2001 (or $2,000 two years ago) can now be replaced by the original jeweler for $1,000 or less due to plummeting market prices. [ 14:04 ] - The purpose of insurance is to make the insured whole by replacing the item with like kind and quality, not necessarily the original dollar amount, which is impactful when lab-grown prices change quickly. [ 16:45 ] - Ali & Dana provide a recap of the points above. Your PLRB Resources CE Course: Jewelry Valuation & Adjustment - https://members.plrb.org/education/courses/jewelry-valuation-amp-adjustment Coverage Question: Wedding Ring Diamond Replaced W/O Notifying Insurer: ACV for Original Ring? - https://www.plrb.org/documents/tree-root-damage-fortuitous-or-non-fortuitous-pcq-2022-01-21-dwf-b/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Episode #270!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLRolfe ArnhymLinkedIn ProfileUSF Digital MarketingInstagram - Vistage Florida - Start Everything Finish NothingThe Story about the ringHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

An insured brought her diamond ring to a local jeweler for a routine cleaning. The jeweler found damage and recommended filing a claim. Our team checked the original appraisal on file, which raised questions about the identified break. However, close analysis confirmed a different break in the girdle. The insured was entitled her to a like-kind replacement or cash if she surrendered the chipped stone. But, the insured does not want to surrender the diamond for sentimental reasons.   Notable Timestamps [ 00:52 ] - The insured's diamond had a girdle break, and while entitled to replacement, she didn't want to surrender it due to sentimental reasons. [ 01:54 ] - Dana & Ali introduce themselves, Gemcor, and Digipraise. [ 04:32 ] - When a claim involving a damaged stone is resolved, the stone belongs to the insurance company under the policy. However, the insured can often buy back the stone at its salvage value. [ 05:01 ] - Jewelry claims require empathy because insureds often have deep emotional and sentimental attachments to their pieces. Approaching these conversations sensitively is crucial for a positive resolution. [ 05:39 ] - For minor damage like a "small nick on the girdle," repairing the stone and compensating for loss in value is an option. This allows the insured to keep their original diamond and prevents further damage. [ 09:50 ] - Before a claim can move forward, an expert on behalf of the insurance company must inspect the jewelry to verify damage. This prevents premature replacement recommendations. [ 11:48 ] - Many clients are underinsured because they fail to update appraisals, leading to coverage being capped at outdated values and significant out-of-pocket costs. [ 16:48 ] - Diamond certifications with a map of imperfections are vital tools. They help distinguish between pre-existing flaws and new damage, which directly impacts coverage decisions. [ 15:44 ] - Ali & Dana provide a recap of the points above. Your PLRB Resources CE Course: Jewelry Valuation & Adjustment - https://members.plrb.org/education/courses/jewelry-valuation-amp-adjustment Coverage Question: Agreed Value Settlement For Repair Of Jewelry - https://www.plrb.org/documents/wedding-ring-diamond-replaced-w-o-notifying-insurer-acv-for-original-ring-pcq-2009-10-08/?search=diamond%20value Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Episode #269!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLRolfe ArnhymLinkedIn ProfileUSF Digital MarketingInstagram - Vistage Florida - Start Everything Finish NothingThe Story about the ringHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Warning, this scenario mentions suicide. The insured's 21-year-old son lives with them and suffers from depression. While the insured parents are away, their son goes through a breakup and decides to kill himself. He gets very drunk and douses the entire first floor in the gasoline they use for their lawnmower. He turns over a candle and goes upstairs to pass out. A neighbor called the police in time, and the young man was saved-- but the resulting fire consumed the house.   Notable Timestamps [ 00:10 ] - John shares a serious scenario that raises pertinent coverage questions. [ 01:22 ] - The intentional loss exclusion ensures insurance covers fortuitous/accidental events, not property purposely destroyed for the prupose of collecting insurance proceeds. [ 02:00 ] - The intentional loss exclusion is clearly worded: if any insured commits an intentional act causing loss, no insured, even innocent ones, are entitled to coverage. [ 03:16 ] - Two criteria for the exclusion: the act must be by an insured, and committed with intent to cause loss, which can be difficult to prove. [ 04:53 ] - Courts consider if the perpetrator lacked the ability to form intent due to mental handicaps, mental health issues, or age, making the exclusion potentially inapplicable. [ 05:40 ] - Courts are now less friendly to the intoxication defense. The inferred intent doctrine holds that if a loss (like fire from gasoline) is "substantially certain to occur," intent is inferred, regardless of primary motive (e.g., suicide). [ 08:30 ] - Suicidal intent can be a defense, as individuals may not be in their right mind. However, the inferred intent doctrine makes recovery difficult if the actions were likely to cause property damage. [ 13:36 ] - In states with a Standard Fire Policy (SFP), which uses "conduct of the insured," innocent co-insureds might still recover, overriding tighter policy language. [ 17:20 ] - John provides a recap of the points above. Your PLRB Resources Annotation: Intentional Loss (HO90) https://www.plrb.org/documents/intentional-loss-ho90/#toc22 50-State Survey: Innocent Co-Insureds https://www.plrb.org/documents/table-of-contents-innocent-coinsured/ SEE ALSO: 988 Suicide & Crisis Lifeline - 988 offers 24/7 judgment-free support for mental health, substance use, and more. Text, call, or chat 988. samhsa.gov/mental-health/988 Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Episode #268!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLDawn NewtonLinkedIn ProfileKerkering, Barberio & Co.Facebook Profile - LEA GlobalHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

The adjuster on a hail claim receives a long list of line items that are "required by code." Once the old shingles are torn off, they find rot and gaps in the sheathing, and the contractor says a thicker sheathing is now required by code.    Notable Timestamps [ 00:10 ] - Ice barriers, drip edges, a double felt underlayment... Searching the internet only leads the adjuster spiralling down a rabbit hole. [ 01:30 ] - What internet rabbit holes have you gone down? [ 04:28 ] - With PLRB's updated Address Report, members can provide an address and specify details such as rafter spans. [ 05:05 ] - PLRB's Building Codes Address Report provides the adopted building code for a specific address, ensuring it falls within the correct city boundaries (e.g., Parma, Ohio). [ 06:39] - Hail reports from NOAA are also included, allowing adjusters to confirm if hail was present in the area on the claim date. They also provide state-specific matching information, such as Ohio's "reasonable comparable appearance" standard. [ 08:27 ] - The report includes diagrams that visually differentiate between modern wood structural panels and older lumber sheathing (planks), explaining concepts like H-clips for edge support. [ 11:31 ] - The reports clarify requirements for common contractor-claimed line items, such as ice barriers, confirming if they are required (e.g., statewide in Ohio) and providing links to the source of this information. [ 14:14 ] - The "Ask a code question" button links to a form where building code experts will research the specific inquiry and provide citations and links back to the member. [ 15:44 ] - Ruth provides a recap of the points above. Your PLRB Resources Building Codes Hub & Address Report - https://members.plrb.org/building-codes FAQ: When is Double Underlayment Required? - https://www.plrb.org/documents/when-is-double-felt-underlayment-required/?search=When%20is%20Double%20Felt%20Underlayment%20Required? Ask a Building Code Question - https://www.plrb.org/building-codes/ask-plrb-building-code-question/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Episode #267!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLDawn NewtonLinkedIn ProfileKerkering, Barberio & Co. Facebook Profile - LEA GlobalHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

The 100-year-old named insured died of natural causes. His daughter, the executor, inherited and moved into the home, continuing to pay the same bills—including insurance premiums. Four years later, a fire occurred, but the policy still listed her late father. Can it pay out?   Notable Timestamps [ 00:10 ] - The daughter continued to pay the premiums, but did not contact the insurance company to advise them of her father's death. [ 01:30 ] - Trivia Time! Who was the oldest living person? [ 04:06 ] – Insurance policies generally follow the insureds, as defined by the policy, as opposed to the property itself.  [ 05:01 ] - A "death clause" provides a grace period to ensure coverage for the legal representative of the deceased (such as the executor of the estate) with respect to the premises and property covered at the time of death. This provision allows the family time to address affairs following a death. [ 06:15 ] – The grace period is not indefinite. Coverage under this clause typically ceases once the probate proceeding is finalized and the assets are distributed, as there is no longer a legal representative for the deceased. Some modern policies also include a hard cap, such as 180 days (approximately six months), for this grace period. [ 10:20 ] – Insurance companies are generally not obligated to actively seek out information regarding a policyholder's death. Courts have affirmed that the responsibility lies with the policyholder or the person seeking coverage to notify the insurer of any changes to the situation. [ 13:56 ] – Arguments appealing to "fairness" or doctrines like "mutual mistake" (where both parties are mistaken about a fact) typically do not succeed in court when the insurance company was unaware of the policyholder's death.  [ 17:33 ] – To prevent coverage lapses and ensure proper protection, it is critical for individuals or their families to contact their insurance agent or company to update policies, especially after a major life event like the death of a named insured. [ 14:00 ] - Tim provides a recap of the points above. Your PLRB Resources Coverage Question: If Named Insured Dies, Does Non-Resident Legal Representative Have Duty To Maintain Heat? https://www.plrb.org/documents/death-must-representative-maintain-heat/?search=duty%20to%20maintain%20heat%20representative Ramsey v. Allstate Ins. Co. (6th Cir.) (2013) https://www.plrb.org/documents/ramsey-v-allstate-insurance-co-6th-cir-2013/ Davis v. Westfield Ins. Co. (2022) https://www.plrb.org/documents/davis-v-westfield-ins-co-2022/ Kantz v. Everett Cash Mut. Ins. Co. (2018) https://www.plrb.org/documents/kantz-v-everett-cash-mut-ins-co-2018/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

A concrete foundation is crumbling due to a truck's sugar-contaminated sand delivery. Now, a court case hinges on whether the CGL auto exclusion applies: Did the damage occur in the truck or on the job site? Notable Timestamps [ 00:30 ] - At the outset, it seems the question (of whether the CGL or the BAC policy applies) turns on whether the damage occurred on the job site, at the concrete plant, or on the sand delivery truck. [ 05:01 ] - Sugar can be used in small, controlled amounts to delay concrete setting time, but higher concentrations can prevent proper curing. The contamination in this scenario was due to a "failure to clean" the truck from a previous job. [ 08:57 ] - The CGL Auto Exclusion operates to ensure coverage falls under the proper policy. In this case, the property damage occurred on a truck, so it should not be handled by the CGL policy but by Business Auto Coverage. [ 13:02 ] - The CGL form defines property damage to include "loss of use", meaning that even if the sand itself wasn't physically damaged, its inability to be used for its intended purpose (making proper concrete) qualifies as property damage. [ 15:47 ] - The Business Auto policy "Care, Custody, and Control" exclusion applied because the concrete plant's employee made the error. [ 16:24 ] - Brennan provides a recap of the scenario and the points above. Your PLRB Resources In Brief: Clear Blue Specialty Ins. Co. v. Landrieu Concrete and Cement Industries, LLC, 2025 U.S. App. LEXIS 10563 (5th Cir. La. 5/1/25). https://www.plrb.org/documents/clear-blue-specialty-ins-co-v-landrieu-concrete-and-cement-industries-llc-2025/ Annotation: CGL Policy Key GL39 – Automobile Exclusion. https://www.plrb.org/documents/gl39-automobile-exclusion Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Episode #266!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLValerie Boey RamseyLinkedIn ProfileVBR MediaFacebook Profile - Instagram - Twitter/X - WFTVThe New York TimesHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Today, we are going to lean into a conversation that I have with students around advising time, close to graduation, at the start of a new semester and when students are sitting with a sense of uncertainty about the future. We are going to explore some skills that are rooted in Acceptance and Commitment Therapy, to help us stop trying to fight or uncertainty and make room for curiosity and movement.  All you need is a comfortable place to sit, you might want to have a notebook or piece of paper and writing utensil closeby, in case you're someone who likes to jot down ideas or thoughts that come to mind and work through them later. Finally, we will discuss ways in which you can shift from overthinking to curiosity in your day to day life.  Intro and Outro music: "In the Forest - Ambient Acoustic Guitar Instrumental Background Music For Videos" by [music_for_video] Provided by Pixabay Music (https://pixabay.com/music/) Licensed under Pixabay License – free for commercial use, no attribution required Edited for length and volume Background music: "Gentle-rain-181000" by [Artist Alex Wit] Provided by Pixabay Music (https://pixabay.com/music/) Licensed under Pixabay License – free for commercial use, no attribution required Edited for length and volume  

Today's exercise is to help you shift out of your busy brain and into your body, using a simple technique called Progressive Muscle Relaxation. If you are noticing that you are ready to end your day, but you are having a difficult time winding down, join me in a brief, 15 minute exercise, to help you move into your wind-down routine. All you need is a comfortable place to lie or sit down.  Intro and Outro music: "In the Forest - Ambient Acoustic Guitar Instrumental Background Music For Videos" by [music_for_video] Provided by Pixabay Music (https://pixabay.com/music/) Licensed under Pixabay License – free for commercial use, no attribution required Edited for length and volume Background music: "Sleep Music Vol. 26" by [Relaxingtime- Piotr Witowski] Provided by Pixabay Music (https://pixabay.com/music/ambient-sleep-music-vol16-195422/) Licensed under Pixabay License – free for commercial use, no attribution required Edited for length and volume

Welcome to the very first episode of The Whole Student.  Whether you're a student, a sibling of a student, a faculty member, or someone who supports students in any capacity as they navigate uncertainty about the future, fear of failure, homesickness, busybrain, feeling like they've done a “good enough” job for the day, imposter syndrome and feeling like they don't belong, I've been thinking about speaking with you for the last five years.  Let me tell you a little bit about how the idea for this series emerged based on conversations and experiences with my students, and what I hope we can together to support you. Intro and Outro music: "In the Forest - Ambient Acoustic Guitar Instrumental Background Music For Videos" by [music_for_video] Provided by Pixabay Music (https://pixabay.com/music/) Licensed under Pixabay License – free for commercial use, no attribution required Edited for length and volume Meditation music: "Ambient For Meditation  by [Rockot] Provided by Pixabay Music (https://pixabay.com/music/) Licensed under Pixabay License – free for commercial use, no attribution required Edited for length and volume

Today, we are taking a peek into a conversation that I have with students nearly weekly, when they are feeling anxious and scattered. We are going to explore how to use a physical grounding object to help bring us back into the present.  All you need is a small object nearby, then, we will walk through how to use this object to practice mindfulness and reduce anxiety, finally, we will discuss ways in which you can use this object in your day to day life.  Intro and Outro music: "In the Forest - Ambient Acoustic Guitar Instrumental Background Music For Videos" by [music_for_video] Provided by Pixabay Music (https://pixabay.com/music/) Licensed under Pixabay License – free for commercial use, no attribution required Edited for length and volume Meditation music: "Ambient For Meditation  by [Rockot] Provided by Pixabay Music (https://pixabay.com/music/) Licensed under Pixabay License – free for commercial use, no attribution required Edited for length and volume

Today, we are stepping into the theme of conversations that I have with students, particularly at the busy peaks of the semester, when they're working through the night or feeling like they are not doing enough. We are going to practice how to acknowledge the pressure and urgency to do more, while also creating permission to end your day or rest.  All you need is a comfortable place to sit or lie down. We will walk through common thoughts that crop up, use Dialectical Behavioral Theory tools to hold two opposing thoughts at once, and integrate self-compassion, so that you can use these phrases in your own lives.  Intro and Outro music: "In the Forest - Ambient Acoustic Guitar Instrumental Background Music For Videos" by [music_for_video] Provided by Pixabay Music (https://pixabay.com/music/) Licensed under Pixabay License – free for commercial use, no attribution required Edited for length and volume Meditation music: "Ambient For Meditation  by [Rockot] Provided by Pixabay Music (https://pixabay.com/music/) Licensed under Pixabay License – free for commercial use, no attribution required Edited for length and volume

This is a replay of an episode that originally aired on March 19, 2024.     An insured's detached garage burns down in a covered lightning strike, and somehow it's not covered just because of a little side hustle? The PLRB crew hunt for coverage and find what the insurer can pay out on when an insured rents out their property without updating their insurance company.   Notable Timestamps   [ 00:17 ] - The insured remodeled their detached garage for use as an AirBNB rental, but never notified their insurer. The garage burned down, and the insured files a claim for the property damage, contents, and nearby oak tree that also burned down.   [ 02:40 ] - This scenario's policy explicity does not cover structures “held for rental”, so this clause would apply even though no guests were present on the date of loss.   [ 05:50 ] - The contents would likely be covered as long as the detached garage is not considered an “apartment.”   [ 07:42 ] - However, the Special Limit of Liability would limit that contents recovery to $3,000 under this policy.   [ 08:04 ] - AirBNB provides a form of coverage which they state is not insurance, but it likely applies only when guests were, at minimum, present.   [ 09:52 ] - The oak tree is also covered, but likely limited to $500.   [ 11:13 ] - In a variation on the scenario, the group discusses that property of tenants would likely not be covered.   [ 13:26 ] - Fair rental value coverage only applies to covered losses.   [ 14:50 ] - Clauses on “homesharing activities” are more frequently appearing in newer forms.   [ 16:30 ] - Tim provides a recap of the scenario and the points above.   Your PLRB Resources   Adjuster Resource Sheet on Home Sharing Issues for Property Adjusters - https://search.plrb.org/?dn=72175&src=gsa   Highlights of 2022 Revisions TO Section I ISO Homeowners Form - https://search.plrb.org/?dn=87749&src=gsa   Coverage Question on “Home Sharing Endorsement Would Not Apply Where Tenant Rented Garage For More Than 30 Days” - https://search.plrb.org/?dn=77494&src=gsa   Webinar on “Homeowners Liability Coverage: Current Trends” - https://www.plrb.org/distlearn/webinars/vplayer.cfm?vid=w0086   Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company.   Subscribe to this Podcast   Your Podcast App - Please subscribe and rate us on your favorite podcast app   YouTube - Please like and subscribe at @plrb   LinkedIN - Please follow at “Property and Liability Resource Bureau”   Send us your Scenario!   Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.   Legal Information   The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate.   Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). https://thenounproject.com/icon/garage-6216862/ https://fontawesome.com/icons/bolt-lightning?f=classic&s=solid

Episode #265!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLValerie Boey RamseyLinkedIn ProfileVBR MediaFacebook Profile - Instagram - Twitter/X - WFTVThe New York TimesHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Is a recycle bin a “vehicle”? Does a car antenna ripping a coat fall under the Vehicles peril? How about a poorly secured wedding dress in the backseat of a convertible? If you occasionally win a biking competition, does the loss of your bike trigger business property coverage? Join Mike, Tim, and Alissha for the lightning round and discuss bikes, eBikes, sleds, boats, and more.   Notable Timestamps   [ 00:15 ] - The insured is an avid cyclist who occasionally wins money from his hobby. Another cyclist cut him off and he crashed his bike into a tree while at a park, destroying the bike.   [ 01:13 ] - Mike & Alissha share personal stories, including a disastrous encounter with a parked car.   [ 03:47 ] - The bike itself is Coverage C Personal Property as there's an exclusion for motor vehicles, but not for vehicles.   [ 07:04 ] - There is a Named Peril for losses caused by vehicles. Courts interpret this broadly to mean anything from boats to sleds; rollerblades and recycle bins might be pushing it.   [ 09:22 ] - The force / weight / momentum of the vehicle must cause the loss. The team goes through a lightning quiz round exploring a variety of mini-scenarios on the vehicles peril.   [ 13:53 ] - Depreciation can be subtracted when the bike is replaced if it was paid under ACV.    [ 14:29 ] - Although the insured occasionally won money, that likely doesn't qualify it as a business.   [ 15:18 ] - eBikes present novel issues due to the motor vehicles exclusion, so PLRB has prepared detailed resources on this issue.   [ 17:12 ] - Tim provides a recap of the scenario and the points above.   Your PLRB Resources   Detailed annotation on Vehicles Peril - https://search.plrb.org/?dn=151&src=gsa   Legacy podcast on “The Coverage Contrarian: E-Bike Coverage Under a Homeowners Policy” - https://www.plrb.org/distlearn/podcasts/index.cfm?id=a0066   Coverage Question on “E-Bike Excluded Under "All Other Motorized Land Conveyances" Language” - https://search.plrb.org/?dn=74811&src=gsa   Adjuster Resource Sheet on “Analysis of Coverage for an E-Bike Accident under a Homeowners Policy” (includes a link to a 50-state compendium) - https://search.plrb.org/?DN=77489   Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company.   Subscribe to this Podcast   Your Podcast App - Please subscribe and rate us on your favorite podcast app   YouTube - Please like and subscribe at @plrb   LinkedIN - Please follow at “Property and Liability Resource Bureau”   Send us your Scenario!   Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.   Legal Information   The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate.   Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). https://freesound.org/people/univ_lyon3/sounds/541432/ https://fontawesome.com/icons/bicycle?f=classic&s=solid  

Episode #264!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLRicardo "Ricky" Das NevesLinkedIn ProfileTampa Bay ChamberDesigning Your Life: How to Build a Well-Lived, Joyful LifeHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Episode #263!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

This is a replay of an episode originally aired on Apr 22, 2025. An adjuster working on a complex property damage claim closes the file, having paid out on the claim. Then they receive a notice that the insured is demanding appraisal. They call up the insured, only to find out that the insured has no idea what's going on. About Our Guest Steven J. Badger, Partner, Zelle LLP sbadger@zellelaw.com https://www.linkedin.com/in/steven-badger-467b0322/ Notable Timestamps [ 00:20 ] - The insured signed a form on a tabet, presented to them by the contractor, without realizing it authorized a later appraisal demand. [ 01:13 ] - Steve shares an anecdote about his appraisal training sessions & debates. [ 02:39 ] - Steve's review of the trends shows that contractor-driven appraisal demands are more common now than they used to be. [ 03:50 ] - Assignment of Benefits would raise other issues and would not be permitted in all states. [ 05:15 ] - The adjuster can begin addressing an appraisal demand by contacting the insured to ask if they are aware of the demand, if the work is complete in their opinion, and the amount they paid. [ 07:22 ] - In the states where Steve practices, the contractor performing the work (and the public adjuster on the claim) cannot also act as the appraiser. [ 08:45 ] - Steve leverages his presence on LinkedIn to call out illegal behavior. [ 10:11 ] - Zelle LLP has drafted an alternative appraisal clause addressing abuses in the appraisal process. Removing the appraisal clause entirely would simply increase litigation. [ 12:37 ] - The goal of appraisal is prompt amicable resolution of disputed claims. [ 13:15 ] - Steve provides a recap of the scenario and the points above. Your PLRB Resources Steve will be presenting at the Texas Hail Claims Conference on February 12-13, 2026 in Dallas. Recorded Webinar: Combatting Common Abuses and Schemes in CAT Claims - https://www.plrb.org/courses/combatting-common-abuses-and-schemes-in-cat-claims/ CE Course: Property Insurance Appraisal - https://www.plrb.org/courses/property-insurance-appraisal/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Episode #262!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLRicardo "Ricky" Das NevesLinkedIn ProfileTampa Bay ChamberDesigning Your Life: How to Build a Well-Lived, Joyful LifeHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Episode #261!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLSybil StanonisLinkedIn ProfileInstagramDance Time with Sybil - TEDx TalksFacebookHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Send us a textWhen relationships end, we will often grieve that loss even in abusive relationships. So what does that grief look like? How do we start that process? And how do we put ourselves back out there after we heal?  Well this week we are joined by our friend, Jessi Lestelle, to answer those questions and more! To follow Jessi and listen to her podcast, check out her website, Goodgriefjessi.com, and find her on Facebook, Instagram, and Tik Tok!Stay up to date with our episodes and happenings by following us on Facebook, Threads, Instagram, and LinkedIn and please email any questions or feedback to TouchySubjectsPodcast@gmail.com or head to our website TouchySubjectsPodcast.com.If you or someone you know wants assistance please call the National Hotline at 1−800−799−7233 or visit https://www.thehotline.org or the National Sexual Assault Helpline at 1-800-656-4673 or RAINN.org.Music credits: Uplifting Summer by Alex_MakeMusic (2021) Licensed under a Pixabay License. http://pixabay.com/music/dance-uplifting-summer-10356/The views and opinions expressed in this podcast are the host's own and might not represent the official views and opinions of the agencies in which they represent.