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Welcome to "What's the Scenario? with PLRB", where we explore claims & coverage scenarios relevant to insurance professionals. I'm Brennan McLoughlin, and for this holiday week we'll be sharing a classic episode from the PLRB Weather team.   A CAT Manager is making preparations for her CAT team in advance of Hurricane Francine, which approached the Louisiana coast in the second week of September, 2024. She reads something about spaghetti models, and something about Fast Track cyclones?   Notable Timestamps [ 00:36 ] - The building owner submits the claim to their property insurer, looking for coverage for a new bollard. They have a standard CP 00 10 10 12, which does not include coverage for fences if the cause of loss was an accidental vehicle crash.  [ 01:21 ] - The PLRB team discuss pasta recipes. [ 02:47 ] - Hurricane Francine caused a great deal of damage to homeowners and businessowners by the Louisiana coast. [ 04:35 ] - Andrew shares some screenshots, available on the YouTube version of this podcast. [ 05:02 ] - An error cone is shown, demonstrating the suspected path of the hurricane. [ 05:28 ] - Spaghetti models show the various paths Francine might have taken. [ 05:46 ] - Peak storm surge forecasts color code area by feet of storm surge. [ 06:44 ] - The "Best Track" includes line, point data, and cumulative wind history. [ 07:20 ] - Spaghetti models are a forecasting tool that provides multiple expectant paths. Tracks closer together indicate certainty. These are available on PLRB.org or via API. [ 08:33 ] - Andrew demonstrates how spaghetti models can change over time. Error cones may be superimposed on the spaghetti models. [ 10:17 ] - Storm surge is the rise in seawater caused solely by the storm's winds pushing the water onto shore. Soup gets involved now. [ 11:15 ] - Best Track is a representation of the tropical cyclone's direction and intensity. The Best Track wind swath shows how the storm changed. [ 12:10 ] - Catastrophe Managers can use these forecasting tools in resource allocation. Best Track data can assist in estimating claim ratios. Claims Adjusters can use Best Track data to assist in claims decisions. Underwriters can use this historical data in risk assessment. [ 13:19 ] - Andrew provides a recap of the scenario and the points above. Your PLRB Resources Tropical Storm Francine: https://www.plrb.org/weather-cat/2024-francine/ Spaghetti Models: https://www.plrb.org/documents/view-tropical-cyclone-track-spaghetti-models/ Best Track Data: https://www.plrb.org/documents/view-national-hurricane-center-tropical-cyclone-best-track-maps/ 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).  

A contractor was hired to renovate a kitchen. The homeowner was thrilled with the results, but asked for a few final punch-list items: adjusting the cabinet doors and replacing a damaged drawer pull. To reach the cabinets, the contractor moved the refrigerator, but failed to securely reconnect the ice maker supply line before leaving. Two days later, the homeowner discovered water throughout the kitchen and adjacent rooms after the line separated, damaging the newly renovated space and the surrounding flooring.   Notable Timestamps   [ 00:45 ] - Mike sets up today's scenario: a contractor's punch-list visit ends with a disconnected ice maker line and water damage throughout a newly renovated kitchen.   [ 05:08 ] - Brennan and Mike revisit the CGL's j(5) and j(6) exclusions, which apply only to ongoing operations on the particular part of the property being worked on -- not completed work.   [ 08:03 ] - Once an operation is complete, the Damage to Your Work exclusion takes over, precluding coverage for property damage to the insured's own completed work -- unless a subcontractor did that work.   [ 09:51 ] - "Your work" and the "products-completed operations hazard" are both specifically defined policy terms, complete with a three-part test for exactly when work is deemed done.   [ 11:37 ] - The team finds the carve-out they were looking for: coverage turns on whether the work "has not been completed or abandoned."   [ 14:45 ] - The kitchen renovation was substantially complete, so the water damage likely falls under the Your Work exclusion.   [ 15:19 ] - Either way, some damage may still be covered -- reconnecting the ice maker wasn't really the contractor's "work," so the resulting damage to the flooring is arguably separate, covered damage.   Your PLRB Resources   Coverage Question: Is This an Ongoing or Completed Operation? https://members.plrb.org/documents/is-this-an-ongoing-or-completed-operation-2025-08-25fjg   Adjuster Resource Sheet: Faulty Work https://members.plrb.org/documents/adjuster-resource-sheet-faulty-work   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 homeowner reports that the central air conditioning system stopped working during a summer heat wave. They sent their contractor's invoice to their insurance company. The adjuster has to review the invoice, the Declarations Page, and policy excerpts to handle the claim. But this isn't a real claims file; this are mock claims documents as used in the PACE Designation Exam. Today we'll explore how authentic assessment is leveraged to test real-world skills, and you can try your luck with this sample question. Notable Timestamps [ 01:24 ] - The exam includes basic recall questions that require the test-taker to produce knowledge on the spot, such as defining key terms and claims handling concepts. [ 03:03 ] - Application questions go a step beyond simple recall by providing a specific claim scenario and challenging the test-taker to determine how to properly handle it. [ 04:26 ] - Authentic assessment utilizes research questions designed to mimic real-world tasks, presenting professionals with mock documents to analyze and interpret. [ 06:15 ] - A sample question asks test-takers to review a contractor's invoice, a declarations page, and policy excerpts to solve a central air conditioning failure. [ 08:11 ] - Just like in real life, test-takers must filter through extraneous details within the provided mock documents to locate the relevant facts needed to resolve the claim. [ 10:47 ] - By carefully reviewing the policy limits and endorsements, the test-taker can correctly deduce that the sample claim is covered but strictly capped at $10,000. [ 13:29 ] - Ultimately, this rigorous testing methodology elevates the designation's value by ensuring that credential holders are practically equipped to handle real-world claims. Your PLRB Resources PACE Designation Program https://www.plrb.org/pace-program/ 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 #310!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLGuest Walk on / Walk off Playlist (Spotify)Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomTim McDonaldInstagram - LinkedIn - Facebook - Patient Advocate FoundationDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

Episode #309!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLGuest Walk on / Walk off Playlist (Spotify)Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomTonya BaradaranFun Speech Journey - Instagram - LinkedIn - Youtube - Spectrum of Cars - Facebook - Amazon - Voyage Dallas - ALL BOOK AVAILABLE HEREDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

Send us Fan MailAbuse isn't just something that happens and then it's over. The effect from abuse ripple out and impact communities in various different ways. The victims and survivors still have to navigate their lives, now having experienced a trauma. The institutions the abusers worked for have to face the consequences and figure out how to do better in the future. The people who looked up to the one who caused harm now have to grapple with potentially supporting someone who hurt others. How can communities respond after abuse and support victims and survivors in their communities? This is what we talk about today with our special guests Dr. Angie Hattery and Dr. Earl Smith!For more about Angie and Earl, check out there website smithandhattery.com and to view their Gender Based Violence in Sports database head to smithandhattery.com/gbv! 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 adjuster has decided to level up their career by earning their PACE-P Designation. They've completed the comprehensive educational program, prepared with the study guide, and are now sitting down to take the remotely proctored exam. Are they ready for it? Are you? Notable Timestamps [ 00:00:34 ] - The podcast explores the scenario of an adjuster who has completed an educational program and a study guide, and is now preparing to sit for the remotely proctored PACE Designation Exam. [ 00:04:04 ] - The PACE Designation program begins with an onboarding curriculum, consisting of three core courses that teach foundational insurance concepts, industry jargon, and claims handling. [ 00:04:32 ] - Participants can progress to a seven-course Personal Property Lines track detailing claim evaluation and resolution, and later choose a la carte electives known as Claims Intensives for more niche topics. [ 00:11:52 ] - The exam is divided into three timed segments: a 35-minute Core Curriculum unit, a 65-minute Personal Lines Property unit, and a 35-minute Claims Intensive unit, which do not have to be taken on the exact same day. [ 00:13:03 ] - Because the exam is strictly timed, test-takers must answer and immediately move forward, as the system does not allow them to return to previous questions once a response has been selected. [ 00:15:45 ] - Helpful exam strategies recommended by the hosts include reading questions fully, identifying qualifying keywords like "best" or "always," and actively eliminating the incorrect answer options. [ 00:17:28 ] - Earning the PACE-P designation means joining a select group of recognized professionals after passing a proctored, two-and-a-half-hour exam that tests skills using authentic claim documents. Your PLRB Resources PACE Designation Program https://www.plrb.org/pace-program/ 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).

An adjuster has decided to level up their career by earning their PACE-P Designation. They've completed the comprehensive educational program, but don't feel quite ready to sit down and take the PACE Designation Exam. So they download the PACE Study Guide and get started. Notable Timestamps [ 04:23 ] - The PACE Designation Program provides a comprehensive foundation of knowledge and practical skills tailored for claims professionals to succeed. [ 06:41 ] - Members can complete the Core Curriculum, the Personal Lines Property Track, and the Claims Intensives at no additional cost, and receive a discounted rate on the final PACE Designation Exam. [ 07:59 ] - The PACE Designation Exam takes roughly two and a half hours, but the timed multiple-choice sections can be split up and completed across different days. [ 10:37 ] - Using the PACE Study Guide is highly recommended, as members often take months to finish the program and need a thorough refresher before testing. [ 11:57 ] - The PACE Study Guide includes a suggested four-week calendar that structures your preparation, breaking down lessons, flashcards, and outlines. [ 13:33 ] - A new digital flashcard and glossary feature allows test-takers to search for specific terms and isolate their studying to specific courses. [ 15:20 ] - The flashcards utilize a spaced repetition learning method, bringing back concepts you mark as difficult more frequently to enhance memory. [ 18:19 ] - Once you successfully earn your PACE-P designation, you can proudly display your new credential on your resume, email, and social media pages. Your PLRB Resources PACE Personal Lines Property Study Guide https://members.plrb.org/education/courses/pace-personal-lines-property-study-guide 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 Fan MailSports is one of the most consumed forms of entertainment in the United States, yet many of these sports rely on and, some, even celebrate violence. This isn't anything new, but when the consumption of violence is so wide spread, we learn to overlook violence in our lives. Further, because these athletes are often idols to many, when they perpetrate violence, it is often ignored or pushed under the rug as long as they are good. This week we sit down with Dr.'s Angie Hattery and Earl Smith to discuss sports culture, violence in sports, and how and why so many of these athletes get away with causing harm off the field. For more about Angie and Earl, check out there website smithandhattery.com and to view their Gender Based Violence in Sports database head to smithandhattery.com/gbv! 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.

A plumber was hired to perform work on a pipe on an insured home. In the course of that work, the plumber accidentally smashed his wrench into the pipe, damaging it. The water damaged nearby drywall and carpet. Notable Timestamps [ 00:44 ] - The j(5) exclusion specifically applies to property damage on that particular part of real property where operations are directly being performed. [ 01:14 ] - In contrast to the j(5) exclusion, the j(6) exclusion applies to any property that requires restoration, repair, or replacement because the work was performed incorrectly. [ 02:44 ] - If a plumber accidentally breaks a pipe while working on it, fixing the pipe is probably excluded, but resulting damage to nearby drywall and carpet may be covered. [ 04:32 ] - General liability insurance typically isn't meant to cover general carelessness. [ 08:29 ] - Courts interpreting exclusions broadly might deny coverage, reasoning that the particular part being worked on encompasses the entire project or property. [ 10:50 ] - When courts interpret exclusions narrowly, they restrict the exclusion to just the defective part being worked on, which can result in broader insurance coverage. [ 13:49 ] - For a botched oil change causing engine failure, a narrow interpretation excludes only the oil and filter, while a broad view excludes the whole engine. [ 15:07 ] - Defective workmanship that results in damage to other property, or to work that is not the insured's own product, can be considered a covered occurrence. Your PLRB Resources Adjuster Resource Sheet: Faulty Work https://members.plrb.org/documents/adjuster-resource-sheet-faulty-work 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 general contractor installs a commercial storefront window system. Because the flashing is installed incorrectly, rainwater enters the building during the first storm. The building owner sues the contractor, seeking the cost to remove and replace the defective window system and repair the water-damaged drywall and flooring inside. The contractor tenders the suit to its CGL insurer. Notable Timestamps [ 00:00:34 ] - A contractor faces a lawsuit after incorrectly installing window flashing that leads to water damage inside a building. [ 00:04:48 ] - A central issue in these claims is determining if an insurance company actually owes defense and indemnity when a contractor's work causes property damage. [ 00:06:26 ] - Commercial liability insurance is designed to cover unpredictable accidents and occurrences rather than serving as a guarantee for a contractor's faulty work. [ 00:08:53 ] - Under the majority legal view, such as in Alabama, faulty workmanship does not qualify as an occurrence because the work was done purposefully without fortuity. [ 00:10:00 ] - A growing minority view, seen in states like Pennsylvania and Colorado, broadly interprets these incidents as accidents unless the contractor intended the damage. [ 00:10:55 ] - Even if a situation qualifies as an occurrence under a state's laws, insurers may still rely on specific policy exclusions, like j(5) and j(6), to limit coverage. [ 00:11:26 ] - While the majority view denies indemnity for faulty workmanship itself, defective work that damages other property can still be classified as an occurrence. Your PLRB Resources Adjuster Resource Sheet: Faulty Work https://members.plrb.org/documents/adjuster-resource-sheet-faulty-work 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 #308!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLGuest Walk on / Walk off Playlist (Spotify)Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomTonya BaradaranFun Speech Journey - Instagram - LinkedIn - Youtube - Spectrum of Cars - Facebook - Amazon - Voyage Dallas Digital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

Episode #307!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLGuest Walk on / Walk off Playlist (Spotify)Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomMike Barbaro Instagram - LinkedIn - Facebook - iHeart Media - Wiki - The OrgDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

Emma's cousin Mark moved to the big city and left his horse at Emma's ranch. For five years, she took care of the horse like it was one of her own. One day Mark took offense at one of Emma's social media posts, and quietly removed the horse without her knowledge, believing he was the rightful owner. Emma was devastated and sued Mark, alleging emotional distress, mental pain and suffering, and loss of consortium. Mark's insurer denied his defense on the basis that no bodily injury was claimed. Notable Timestamps [ 00:00:33 ] - The scenario involves a woman who sued her cousin for emotional distress and mental suffering after he quietly removed his horse from her ranch. [ 00:04:37 ] - At this stage of litigation, the focus is not on whether the cousin owes damages, but strictly whether his insurance owes him a legal defense. [ 00:07:29 ] - The plaintiff's complaint relies entirely on emotional damages like loss of consortium and mental pain, notably lacking standard liability allegations like property damage. [ 00:08:57 ] - The defining legal question is whether pure mental pain and emotional distress can satisfy the standard insurance definition of a bodily injury, sickness, or disease. [ 00:12:11 ] - In jurisdictions following the majority rule, such as Ohio, courts have established that pure emotional distress or PTSD without physical harm does not equal bodily injury. [ 00:15:56 ] - Alternatively, courts in minority rule states like New York view emotional trauma as potentially equal to physical injury because they find standard policy language ambiguous. [ 00:18:28 ] - To satisfy the bodily injury requirement in a majority state, the plaintiff must usually demonstrate physical manifestations of their distress, such as headaches or nausea. [ 00:23:14 ] - Insurance professionals can utilize PLRB.org's 50-State Surveys on emotional distress as a convenient tool to quickly check the controlling case law and rules within specific states. Your PLRB Resources 50-State Survey - Emotional Distress as Bodily Injury https://members.plrb.org/documents/50-state-survey-introduction-emotional-distress-as-bodily-injury 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 #306!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLGuest Walk on / Walk off Playlist (Spotify)Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomMike Barbaro Instagram - LinkedIn - Facebook - iHeart Media - Wiki - The OrgDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

The insured has spent months in an escalating dispute with his neighbor over the neighbor's alleged violation of HOA rules and garish lawn decorations. Finally, the insured takes things too far by aiming his sprinkler at the neighbor's newly painted shed, ruining an expensive paint job. The insured has been sued, and wants their insurance company to defend them in the lawsuit. Notable Timestamps [ 00:00:32 ] - This scenario involves an insured causing damage by ruining a neighbor's painted shed with a sprinkler, and expecting a defense. [ 00:01:17 ] - The PLRB's Frontlines newsletter is a valuable resource for staying updated on recent case law regarding property, auto, and liability insurance. [ 00:05:29 ] - An insurance company's duty to defend is crucial because fighting even a completely invalid lawsuit still requires spending money on legal fees. [ 00:07:32 ] - Courts have ruled that erecting a malicious spite fence is a deliberate action, meaning it is not an accidental occurrence covered by insurance. [ 00:13:01 ] - Bizarre accidents, like special low-efficiency windows melting a neighbor's vinyl siding by focusing sunlight, can potentially be covered occurrences. [ 00:16:53 ] - Determining whether mistaken actions count as occurrences depends heavily on specific state jurisdictions. [ 00:20:19 ] - If an individual intentionally punches someone, there is usually no occurrence, regardless of whether they intended to cause a severe injury like a broken jaw. [ 00:24:03 ] - Liability insurance only covers fortuitous losses, so if a primary action isn't an occurrence, exclusions for intentional acts do not require analysis. Your PLRB Resources HO651 - Occurrence Definition https://members.plrb.org/documents/ho651-occurrence-definition 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 #305!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLGuest Walk on / Walk off Playlist (Spotify)Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomScott DaigleInstagram - LinkedIn - Tampa Bay Chamber of Commerce - Fifth Third Bank - @fifththirdbankDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

During a recreational adult hockey league practice, the goalie skated backward into the crease after a drill and grabbed the top crossbar of the net while stretching and joking with other players. The ice had recently been resurfaced, and the net had not yet been properly secured to the ice. As the goalie leaned his body weight onto the frame, the goal tipped backward and struck him. In a negligence claim between the goalie and the arena, which team takes the blame? Notable Timestamps [ 01:03 ] - Establishing negligence requires meeting four elements, which include having a duty owed, a breach of that duty, a proximately caused injury, and damages. [ 02:20 ] - Even when negligence is successfully established during litigation, there are still potential defenses available, such as assumption of risk and contributory negligence. [ 04:50 ] - The assumption of risk doctrine might still apply even if a player is violating a rule during a game, as participants generally expect potential injury during physical activities. [ 07:11 ] - Some states utilize contributory negligence, which can technically bar a plaintiff from any recovery if they are found to have contributed at all to the incident. [ 11:03 ] - Comparative negligence rules vary, with some states allowing recovery if a person is up to 50% liable, while others require the individual's negligence to be 49% or less. [ 11:51 ] - Under a pure comparative standard, an injured person who is found to be 90% at fault for an incident can still recover the remaining 10% of their respective damages. [ 14:34 ] - In cases involving severe injuries, juries can sometimes be influenced to make decisions inconsistent with the letter of the law. [ 16:29 ] - The outcomes of these negligence defenses heavily depend on the specific state where the case is taking place, the laws that apply, and the overall makeup of the jury pool. Your PLRB Resources Negotiation Strategies in Bodily Injury Claims     https://members.plrb.org/education/courses/negotiation-strategies-in-bodily-injury-claims 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).

As we hit our next holiday week and listen to the sounds of fireworks, we'd like to share a classic episode featuring the insurance implications of fireworks. So fire up the grill, and put this episode on the speakers.   Is there an exclusion for stupid? Join Alissha, Mike, and Tim to discuss bad decisions, wedding rings stuck on fingers, dumpster fires, and whether the choice to set off a firework inside a house is considered "intentional" under the policy.   Notable Timestamps   [ 00:17 ] - The insured's son set off a firework in the house for the excitement, causing fire damage. The homeowners file a property claim.   [ 01:26 ] - Alissha, Mike, and Tim discuss their opinions on fireworks, sneaking over the state line, exploding toys, dog ownership, and dumpster fires.   [ 04:12 ] - There's no exclusion for "stupid" (i.e. negligence), at least not prior to the loss.   [ 07:34 ] - There is an exclusion for intentional loss. "Intent" usually applies both when the actor intends the consequence, and when they know the consequences are substantially certain to result.   [ 08:46 ] - The fact that the son was intoxicated would not establish an insanity defense.   [ 10:36 ] - The son was living in the house, even though he spent much of the year at college, and would be considered an insured so no subrogation is possible.   [ 11:50 ] - For very young children, their young age can imply that they are not appreciating the consequences of their actions and that can speak to intent.   [ 13:04 ] - The team discusses scenarios where an adult intentionally set a fire so that her husband could heroically put it out, where someone breaks a ring to get it off their swelling finger, and where someone smashes a window to break into their own house.   [ 17:24 ] - Tim provides a recap of the scenario and the points above.   Your PLRB Resources   Homeowners annotation on the intentional loss exclusion - https://search.plrb.org/?dn=37&src=gsa   Does a Farm Policy Cover Injury to a Semi Driver Caused by Water Balloons Tossed from Insured's Vehicle? - https://search.plrb.org/?dn=17362&src=gsa   Cutting Off Ring That is Stuck On Swollen Finger… Intentional Loss? - https://search.plrb.org/?dn=67944&src=gsa   Is Damage to Property of Others Coverage Available Under a Homeowners Policy for a Window Broken by the Insured Tenant's Son at a Rental Property? - https://search.plrb.org/?dn=73010&src=gsa   CE course on Intentional Versus Negligent Conduct For Casualty Adjusters - https://www.plrb.org/public2/dislearn/description.cfm?mod=p0056   CE course on Subrogation Claims - https://www.plrb.org/public2/dislearn/description.cfm?mod=p0050   Webinar on Fire Loss Investigation Strategies - https://www.plrb.org/distlearn/webinars/vplayer.cfm?vid=w0024   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/firework-152487/ https://thenounproject.com/icon/firework-1758560/

Episode #304!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLGuest Walk on / Walk off Playlist (Spotify)Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomScott DaigleInstagram - LinkedIn - Tampa Bay Chamber of Commerce - Fifth Third Bank - @fifththirdbankDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

As a claims executive leader, Awais Farooq built and oversaw coverage frameworks, liability investigations, reserve governance, and total loss protocols. He believed that institutional fluency would make his own claim predictable. Then he struck a deer on his motorcycle and suffered a significant leg injury. His claim was segmented across bodily injury, property damage, and total loss. Each function operated correctly. Yet without a single point of ownership, the experience felt operationally sound but emotionally fragmented. Notable Timestamps [ 00:37 ] - Awais Farooq experienced a motorcycle accident that resulted in a claim that was handled with operational soundness but felt entirely emotionally fragmented. [ 04:29 ] - The accident occurred close to home when Awais encountered a deer on the road, attempted to turn around to avoid it, but unfortunately crashed into another deer. [ 06:24 ] - Despite the insurance company being highly digitally advanced with text message communications, Awais had to navigate three separate adjusters who did not communicate with one another. [ 08:01 ] - A major gap exists in the insurance industry where automation and process improvements often overlook the end consumer, losing track of the primary goal to restore the person completely. [ 12:52 ] - Awais channeled his frustrations into writing a book titled The Future Isn't Fully Automated, which explores how technology must integrate with essential human connection in claims. [ 13:39 ] - The claims journey consists of information gathering, documentation, and decisioning; streamlining the first two phases can empower adjusters to focus primarily on delivering decisions. [ 15:00 ] - Awais discusses the possibility of an individualized user experience akin to Amazon, ensuring that claimants have a single point of contact rather than feeling like one of millions of claims. [ 17:00 ] - A technically compliant claim can still fail the human experience test.  Your PLRB Resources https://www.linkedin.com/in/awais-farooq/ 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 #303!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLGuest Walk on / Walk off Playlist (Spotify)Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomAnnette ScottInstagram - LinkedIn - Kodawari Studios - Revivery - Hot Box Cold PlungeDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

Right now we're traveling back from this week's successful Eastern Regional Conference. So this week, as we head into summer, we're sharing an episode on how to take advantage of all the services that the PLRB Weather/CATs department has to offer.   A supervisor leads a team of very needy CAT adjusters! Over the course of the year, the supervisor fields many questions as it comes up in their claims. Was there hail on X date? Was there lightning in the area? This hurricane is coming soon, where can I get news about it? Winter weather caused a slip and fall!! Where can I find information on wildfire perimeters and California evacuations? For help herding all these cats, we'll head to PLRB.org.   Notable Timestamps [ 00:00 ] - The episode introduces a scenario where a supervisor fields constant weather-related questions from cat adjusters, highlighting the need for a centralized, reliable source for hail, lightning, hurricanes, wildfires, and more. [ 02:15 ] - The team previews multiple scenarios—winter storms, hail, lightning, power outages, tornadoes, hurricanes, and wildfires—showing the breadth of searchable weather data available to support claim investigations. [ 03:16 ] - Using a winter slip-and-fall in Iowa City, Iowa, the report pulls verified storm data from the National Weather Service, including freezing rain reports and hourly observations to validate conditions on the date of loss. [ 07:42 ] - For hail damage in Illinois, radar-derived data and verified hail reports allow adjusters to map proximity, estimated hail size, and associated severe thunderstorm warnings tied to a specific date and address. [ 09:53 ] - Lightning reports provide daily probability percentages and satellite detection data, helping assess commercial equipment claims while noting limits in resolution and cloud-to-cloud versus cloud-to-ground distinctions. [ 12:25 ] - Power outage searches archive data every ten minutes via PowerOutage.us, identifying outage timing, affected customers, and likely storm causes—critical for business interruption investigations. [ 14:09 ] - A tornado case study of the Mayfield event demonstrates wind reports, damage points, and EF-scale path polygons, enabling precise analysis of storm track and intensity relative to a property. [ 17:31 ] - Wildfire tools include historical perimeters like the Garnett Fire, evacuation zones, thermal hotspots, smoke analysis from National Oceanic and Atmospheric Administration data, and hurricane spaghetti models—underscoring a single portal for comprehensive weather intelligence. [ 17:49 ] - Dylan summarized upcoming PLRB Weather/CATs developments. Your PLRB Resources Weather/CATS Hub - https://members.plrb.org/weather-cat/ 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 #302!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLGuest Walk on / Walk off Playlist (Spotify)Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomAnnette ScottInstagram - LinkedIn - Kodawari Studios - Revivery - Hot Box Cold PlungeDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

We're calling "foul ball!" A spectator at a local minor league baseball game was injured when a foul ball zipped through a tear in the safety net and broke his arm. The spectator claims that the stadium owed him a safe environment, that it knew about the tear and didn't fix it, and that the mascot wasn't even that funny. To score, our litigant is going to have to run all four bases of the core elements of negligence: duty, breach, causation, and damages. Notable Timestamps [ 00:00 ] - A foul ball injury at a minor league game sets the stage for a negligence analysis, focusing on whether the stadium failed to maintain a safe environment after allegedly knowing about a damaged safety net. [ 05:02 ] - The first element of negligence is duty. A stadium generally owes spectators a duty of reasonable care, especially when protective measures such as safety netting are installed for fan protection. [ 05:40 ] - The second element is breach. If stadium personnel knew about a tear in the net and failed to repair it, that omission may constitute a breach of the duty owed to spectators. [ 08:56 ] - Causation requires a direct connection between the breach and the injury. The claimant must show the foul ball passed through the known defect and that the injury was a foreseeable result. [ 10:14 ] - A claimant's own actions can affect the analysis. Attempts to catch a foul ball, distraction, or impairment could introduce comparative or contributory negligence issues depending on state law. [ 11:24 ] - Damages are essential to a negligence claim. Even if a duty existed and was breached, recovery is unlikely without a measurable injury, financial loss, or other legally recognized harm. [ 12:11 ] - A personal auto accident example illustrates that negligence claims can fail despite a breach of duty when no injury or property damage occurs. Reaching only part of the negligence analysis is not enough. [ 13:15 ] - The discussion highlights how emotional distress claims can complicate matters. Jurisdictions differ on whether symptoms without clear bodily injury satisfy policy language or legal damage requirements. [ 14:43 ] - Not every liability case follows ordinary negligence rules. Certain ultra-hazardous activities or situations involving strict liability may shift the focus away from proving the traditional four negligence elements. [ 16:21 ] - The key lesson is that successful negligence claims require all four elements: duty, breach, causation, and damages. Missing any one element can prevent recovery, regardless of the strength of the others. Your PLRB Resources Introduction to Negligence Concepts https://members.plrb.org/education/courses/introduction-to-negligence-concepts 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 #301!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLWalk on / Walk off Playlist (Spotify)Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomLauren Wittenberg WeinerInstagram - LinkedIn - Tampa Chamber of Commerce - Unruly: Deconstruct the Rules, Defy the Norms, and Define Your SuccessDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!Send us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

A cat jumps on the stove to get leftovers, accidentally turns a burner, and starts a kitchen fire. The homeowner has heard of an exclusion that applies to damage caused by animals owned or kept by an insured, and is concerned that the fire will not be covered. Exactly how mad should the homeowner be with their cat? (And how long can they stay mad at that face?) Notable Timestamps [ 00:00 ] - A kitchen fire caused by a pet can initially alarm insureds who may believe the animal exclusion automatically bars coverage for any damage involving their cat or dog. [ 00:53 ] - The discussion highlights how insureds may hesitate to disclose that a pet caused the loss because they fear the claim will be denied under the policy language. [ 03:39 ] - Investigating unusual fire losses often requires origin-and-cause experts, especially when evidence suggests a stove burner was turned on without any appliance malfunction. [ 05:07 ] - The key distinction is that animal-caused property damage itself may be excluded, while the resulting fire can still qualify as a covered peril under the policy. [ 05:50 ] - Claims involving uncommon exclusions remind adjusters to carefully read the actual policy wording instead of relying on assumptions about what is or is not covered. [ 06:12 ] - Ordinary pet damage like chewing, scratching, or staining is different from a sudden accidental event such as a kitchen fire. [ 07:24 ] - Adjusters generally approach claims by looking for coverage where it exists. [ 08:45 ] - Animal exclusions are often intended to address ongoing maintenance-type damage rather than fortuitous accidental losses. [ 10:10 ] - While some courts have interpreted animal exclusions broadly, the cited cases involved extreme situations with dozens of pets causing extensive property damage. [ 11:54 ] - Maintaining good communication and rapport with insureds can help overcome misconceptions about coverage and encourage honest discussion during the investigation. Your PLRB Resources Birds, Vermin, Rodents, or Insects; Animals Owned or Kept (HO133) https://members.plrb.org/documents/birds-vermin-rodents-or-insects-animals-owned-or-kept-ho133 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 #300!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLWalk on / Walk off Playlist (Spotify)Hosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438Facebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomLauren Wittenberg WeinerInstagram - LinkedIn - Tampa Chamber of Commerce - Unruly: Deconstruct the Rules, Defy the Norms, and Define Your SuccessDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

Episode #299!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: @thestayatworkmomRita LowmanLinkedin/Facebook/Twitter/@RitaLowmanRitaDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

Wildfire claims are emotional, public, and inconsistent across carriers, so adjusters often become the face of "no." Using a real fire example, we'll explore empathy, advance payments, uneven guidance, social media comparisons, and follow-through as tools to protect our reputation. Notable Timestamps [ 00:09 ] - Wildfire claims can be highly emotional and public, and adjusters often become the visible representative of difficult coverage decisions. [ 01:28 ] - PLRB recognizes Outstanding Claims Professionals not only for technical skill, but also for restoring lives and setting standards in customer service. [ 03:03 ] - Social media, neighborhood groups, and AI tools now shape insured expectations, creating more questions and adding complexity for adjusters. [ 05:16 ] - Policyholders often see claim differences as inconsistency where it may simply represent variation in policies, property details, and carrier practices. [ 06:54 ] - Adjusters build trust by explaining policies in everyday language instead of relying on technical wording or policy jargon. [ 09:29 ] - Starting conversations with what can be done, rather than limitations, helps reduce tension and discourages adversarial reactions. [ 10:28 ] - Advance payments and early support for housing and immediate needs can ease stress and strengthen the insured-adjuster relationship. [ 14:58 ] - Consistent communication matters; policyholders often prefer hearing "I don't have an answer yet" over silence or missed follow-ups. [ 16:48 ] - Listening for recurring concerns allows adjusters to anticipate needs, act proactively, and create more confidence in the claims process. Your PLRB Resources CE Course: Investigating and Resolving Different Types of Wildfire Losses https://members.plrb.org/education/courses/investigating-and-resolving-different-types-of-wildfire-losses 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).

[REPLAY] This week, check out a podcast featured in PLRB's new PACE Program: "The new PLRB Advanced Coverage Education (PACE) designation is more than a credential. It's a powerful way to strengthen your claims expertise. PACE begins with a Core Curriculum that builds a foundation in insurance basics and the claims process. From there, professionals can grow through Business LineTracks that support field-specific development, and Claims Intensives that dive deeper into essential topics like fraud and ethics. Developed with PLRB's long‑standing commitment to high‑quality education, PACE helps claims professionals work with greater clarity, consistency, and confidence. And because certification courses are included in PLRB Membership, with discounted designation fees, it's a valuable investment in both employee development and organizational success. PACE supports professionals at every stage of their careers and helps teams work more confidently and efficiently."     A brewery owner had bollards installed outside the building for safety purposes. One day a teenager veered off the road into one of the bollards, damaging it and the car. The adjuster is wondering if there should be no coverage on the basis that a bollard is a fence.   Notable Timestamps [ 00:26 ] - The building owner submits the claim to their property insurer, looking for coverage for a new bollard. They have a standard CP 00 10 10 12, which does not include coverage for fences if the cause of loss was an accidental vehicle crash.  [ 01:34 ] - Trivia time! What is a "pub" short for? How many Clydesdales are hitched to the Budweiser wagon? Lite beer was introduced into the U.S. in what decade? [ 04:15 ] - A bollard is a short pole or stump placed to prevent vehicle access without preventing pedestrian access. These may be seen at the entrances to bike paths, or out in front of buildings or arenas. [ 05:40 ] - Under the CP form, a bollard would initially fit under building coverage as an external fixture. Fences are excluded except for certain types of losses (not including this kind of loss). [ 07:30 ] - A line of bollards, like a fence, is something like a barrier that marks a boundary. But, there is no continuity between posts, and it does not prevent pedestrian access. [ 09:11 ] - A historic moment: the team agrees on something! [ 09:37 ] - Courts typically do not construe ambiguous exclusions broadly. "If it's gray, you must pay." [ 10:40 ] - Declarations Pages are typically more detailed in CP forms, and often include small structures. However, at least one court chose not to penalize an insured for failing to list a series of (light) posts. [ 12:26 ] - If a Declarations Page lists most structures specifically but omits some, that may create an issue for the insured. [ 13:25 ] - Strong subrogration potential exists here against the driver. [ 14:30 ] - A cement block wall was considered a fence... at least according to a 1959 case, and under a grant of coverage which is typically construed more broadly. [ 16:40 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Bollards: Do They Qualify As Fences? – PCQ.2017.05.09.twh.a - https://www.plrb.org/documents/bollards-do-they-qualify-as-fences-pcq-2017-05-09-twh-a/ Annotation: Property Outside Buildings (CP622) - https://www.plrb.org/documents/property-outside-buildings-cp622/ Chippewa Country Valley Festival v. Little Black Mut Ins Co (2002) - https://www.plrb.org/documents/chippewa-country-valley-festival-v-little-black-mut-ins-co-2002/ 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 #298!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 Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

The roof of a 100-year-old farmhouse suddenly collapses under the weight of water. The building was insured under a farm policy that, in this case, only provided coverage for personal property and not the dwelling or real property. The insured claims that the carpet, water heater, and even ceiling tiles are all personal property, and therefore covered! What is a fixture? Notable Timestamps [ 00:00 ] - The episode explores how fixture disputes affect insurance coverage, using a collapsed farmhouse roof scenario where coverage depended on whether damaged items qualified as personal property or part of the dwelling. [ 01:18 ] - The hosts announce the launch of the PACE Program, highlighting it as a new educational resource now available for insurance professionals looking to expand their industry knowledge. [ 03:00 ] - Whether something is a fixture can impact both available coverage and policy limits. [ 06:24 ] - Built-in shelving and ceiling fans are discussed as likely fixtures because they are permanently attached, difficult to move, and generally intended to remain with the property over time. [ 08:06 ] - Portable appliances like air fryers and mini fridges are contrasted with fixtures because owners clearly intend to take them when moving, making them easier to classify as personal property. [ 09:51 ] - Wall-to-wall carpeting illustrates the gray areas in fixture analysis, as courts may examine attachment methods, customization, and whether the carpet could realistically be removed and reused elsewhere. [ 12:22 ] - Furnaces and water heaters seem like obvious fixtures, yet disputes can still arise when tenants claim ownership and argue they intended to remove the equipment when leaving the property. [ 16:52 ] - Decorative ceiling tiles from a 100-year-old farmhouse became the focus of a court case, where the court ultimately ruled they were fixtures because they enhanced the property and were intended to stay with the home. [ 21:31 ] - The closing takeaways emphasize that courts analyze factors like physical attachment, ease of removal, and the parties' intent when determining whether property qualifies as a fixture under insurance policies. Your PLRB Resources Check out the PACE Program! https://www.plrb.org/pace-program/ Dwelling - Coverage A (HO11) https://members.plrb.org/documents/dwelling-ho11#toc26 Pierce v. State Farm Fire & Cas. Co. (2020) https://members.plrb.org/documents/pierce-v-state-farm-fire-cas-co-2020 Tenant Improvements & Betterments in Commercial Cases  https://members.plrb.org/education/courses/tenant-improvements-amp-betterments-in-commercial-cases 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 #297!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLLindsay August - The Business Journal - 2026 BusinessWomen of the Year honoreeLinkedIn - Twitter/X -  Tampa Bay Business & Wealth - FacebookHosts: 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 Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

A foot of stormwater in your home, and a contractor saying "Let's dry it in place?" That was the scenario explored in Courtney Makris' PLRB Presents talk "When the Storm Hits Home: Courtney's Personal Journey through Hurricane Helene," and today Mike & Brennan will look at that scenario through the lens of the Categories & Classes of water, with the help of a PACE Program exercise. Notable Timestamps [ 00:06 ] - The episode introduces a real-world water loss scenario tied to a major storm, highlighting how widespread damage and contractor recommendations can complicate mitigation decisions for adjusters. [ 01:05 ] - The discussion draws from a hurricane case study and shifts focus to how water "categories" and "classes" relate to the standards guiding mitigation decisions. [ 04:24 ] - Water losses are a major focus in claims education, covering issues like pipe breaks, backups vs. overflows, and wind-driven rain—showing how varied and complex water damage scenarios can be. [ 05:11 ] - Not all water is equal; category classifications depend on contamination levels, meaning the source and exposure history of water directly impact risk and required remediation. [ 06:02 ] - Category 1 water can be clean and sanitary, Category 2 introduces contaminants that may cause illness, and Category 3 can be highly hazardous, often containing toxic or pathogenic substances. [ 07:25 ] - Practical examples like dishwasher discharge illustrate how the same appliance can produce different water categories depending on whether the source is incoming clean water or outgoing waste. [ 10:36 ] - Even seemingly clean sources like rainwater can shift categories based on contact with materials or time sitting stagnant, emphasizing that context and exposure matter. [ 12:20 ] - Floodwater is nearly always Category 3 due to contamination from ground contact and stagnation, making it especially dangerous despite common public perceptions. [ 14:46 ] - Water "class" differs from category by focusing on how much water is present, how deeply it's absorbed, and how difficult it is to dry. [ 19:01 ] - Mitigation strategies vary widely: clean water may allow simple drying, while contaminated water often requires removal of materials like drywall and insulation. Your PLRB Resources Check out the PACE Program! https://www.plrb.org/pace-program/ When the Storm Hits Home: Courtney's Personal Journey through Hurricane Helene https://youtu.be/2VE7i_0KAKc 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 fire broke out in the insured's basement, where various household and personal items were stored. The insured husband is a recreational pilot. His wife is an accountant. Their two children and dog also live in the home with them. The fire caused heavy smoke and heat damage throughout the basement and adjoining utility room. The insured provided a personal property inventory form listing everything believed to be damaged or destroyed. What falls under Property Not Covered? In this preview of the PACE program's personal lines course, we'll explore the basics of the different roles in the insurance industry. Notable Timestamps [ 00:07 ] - The scenario introduces a basement fire damaging stored personal property, setting up a practical lens for analyzing what items may or may not be covered under a homeowners policy. [ 03:10 ] - The PACE program is designed to guide learners through the full claims lifecycle, from coverage analysis to investigation and resolution, providing both foundational and advanced insights. [ 06:15 ] - Understanding home construction elements like plumbing, roofing, and wiring can directly impact coverage analysis, as these features often influence cause, scope, and policy interpretation. [ 07:20 ] - A key distinction: exclusions focus on *why* damage occurred, while Property Not Covered provisions focus on *what* was damaged. [ 08:05 ] - Policies may list numerous categories of Property Not Covered, including animals, motor vehicles, aircraft parts, and certain business or digital assets. [ 10:45 ] - Personal property inventories are critical documents in claims handling, requiring adjusters to evaluate each listed item against policy language and applicable coverage limitations. [ 13:40 ] - Some items, like pet-related supplies, may be covered even when the pet itself is not, highlighting the importance of distinguishing between living property and associated goods. [ 17:30 ] - Virtual currency presents valuation and verification challenges, which is why it is typically listed under Property Not Covered and may require specialized coverage or endorsements. [ 19:45 ] - Property Not Covered likely applies to aircraft parts regardless of how they are intended to be used. [ 21:10 ] - Generally speaking, ambiguities favor the insured, but ambiguity only occurs when terms are reasonably open to multiple meanings. Your PLRB Resources Sign Up for Updates on the Designation Program! https://2it6qrau8fd.typeform.com/pacedesignation 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 #296!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLLindsay August - The Business Journal - 2026 BusinessWomen of the Year honoreeLinkedIn - Twitter/X -  Tampa Bay Business & Wealth - FacebookHosts: 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 Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

A major storm hits the city. Sarah's bakery suffers roof damage, water leakage, and equipment loss. Sarah has heard lots of insurance job titles thrown around: policyholder, agent, broker, adjuster, underwriter, actuary-- who are all these people? In this preview of the PACE program's core on-boarding course, we'll explore the basics of the different roles in the insurance industry. Notable Timestamps [ 00:00 ] - The episode opens with a storm-damage scenario at Sara's bakery, setting up a practical lens for understanding insurance roles and how multiple professionals intersect during a single claim event. [ 00:59 ] - The lighthearted "Dec Page" segment underscores how real-world disruptions—like severe Midwest storms affecting travel—mirror the unpredictability that drives many insurance claims. [ 04:42 ] - The PACE program is practical and scenario-driven, aiming to demystify industry jargon and help both newcomers and experienced professionals apply concepts across claims and underwriting contexts. [ 06:25 ] - The "insurer" is the insurance company, while the "insured" is the policyholder. [ 08:02 ] - Insurance roles are tied to broader processes, including application, underwriting, claims handling, and premium rating, reinforcing that each role fits into a larger operational lifecycle. [ 10:11 ] - Agents typically represent the insurer (sometimes as captive or independent), while brokers represent the policyholder, helping match complex risks with appropriate carriers. [ 12:13 ] - Agents and brokers often remain involved beyond policy purchase, serving as trusted first contacts when a loss occurs and guiding policyholders through the claims process. [ 14:08 ] - Adjusters and claims professionals evaluate damage, determine coverage, and help restore policyholders, while TPAs and independent adjusters may be hired to handle claims on behalf of insurers. [ 16:46 ] - Because titles vary widely, professionals are encouraged to clearly introduce their role to policyholders, improving understanding and trust during what can be a confusing claims experience. [ 18:15 ] - Final takeaways reinforce core distinctions (insurer vs. insured), note that definitions may vary by policy, and highlight the importance of understanding agents, brokers, adjusters, and TPAs. Your PLRB Resources Sign Up for Updates on the Designation Program! https://2it6qrau8fd.typeform.com/pacedesignation 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 #295!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLKari LaRocco - Private Wealth Advisor, Ameriprise Financial Services, LLCLinkedIn - Instagram - Forbes -  LaRocco & AssociatesHosts: 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 Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

Send us Fan MailWe are surrounded by and consume media all the time. That means media is an excellent tool to help us create the change we want to see in the world. Join us this week as we sit down with our friend Laura Swanson to discuss how to do just that! For more information about Lauran and the Midwest Broken Mirror Project, head to www.creativeembersnonprofit.org!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. 

A claims supervisor with plenty of adjusting experience is looking to open doors to new opportunities with a credential that will signal their advanced claims knowledge. They're also responsible for onboarding some new adjusters who are brand new to the field of insurance, and need to get ready to handle claims. As PLRB members, they'll have access to the PACE Designation Program, which can equip participants with the skills and confidence needed to excel in key areas of claims handling. Notable Timestamps [ 02:07 ] - Introducing a fun new segment called "The Dec Page," our hosts reflect on the 2026 PLRB Claims Conference, highlighting the value of in-person learning, networking, and shared industry enthusiasm in a conference setting.  [ 04:18 ] - The PACE Designation Program has been announced! This structured educational initiative is designed to help participants better understand insurance concepts through a guided and engaging learning experience.  [ 05:09 ] - The PACE Designation Program starts with a Core, building foundational claims and coverage understanding to empower learners to advance to more complex topics. The Personal Lines Track then dives deep into residential and Homeowners losses. [ 07:46 ] - "Claims intensives" offer flexibility within the program, allowing learners to tailor their path based on interests and career goals.  [ 11:54 ] - The program was developed using member feedback, addressing a clear need for training both new entrants unfamiliar with insurance and experienced professionals seeking deeper expertise.  [ 12:47 ] - The PACE Designation Program covers both foundational claims concepts and material specific to each line of business (starting with Personal Lines).  [ 13:05 ] - Advanced content explores nuanced coverage issues, including policy interpretation and legal influences, reflecting the complexity and depth of real-world claims decision-making.  [ 13:50 ] - The program extends beyond technical skills to include ethics, fraud awareness, and people skills, reinforcing the well-rounded competencies needed in modern claims roles.  [ 14:58 ] - Future expansions aim to include additional lines like casualty and auto, along with commercial coverage, positioning the program as a comprehensive, multi-discipline education track.  Your PLRB Resources Sign Up to Learn More! https://2it6qrau8fd.typeform.com/pacedesignation 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 #294!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLKari LaRocco - Private Wealth Advisor, Ameriprise Financial Services, LLCLinkedIn - Instagram - Forbes -  LaRocco & AssociatesHosts: 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 Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

Episode #293!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLHosts: Debbie Lundberg & Barbara Zantwww.debbielundberg.com - Presenting Powerfully - 813-494-4438NATIONAL DONATE LIFE MONTHFacebook/Twitter/X/Instagram: @debbielundbergTikTok: @DebbieLundbergCoachInstagram for Barb Zant: @thestayatworkmomDigital Engineer: Brianna ConnollyMusic: www.bensound.comMusic by AlexiAction from Pixabay - License code: CBKCX3HKZL8FJ2CMSend us Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

We're taking a break this week after another successful PLRB Claims Conference. As we gear up for this podcast's 100th episode next week, we'd like to re-share the very first episode.   Alissha, Tim, and Mike introduce a complete rebranding of PLRB's podcast as "What's the Scenario? with PLRB", starting with a mini-scenario on a bear attack. Notable Timestamps [ 00:16 ] - A family went camping, only for their personal property to be destroyed by a bear. [ 01:41 ] - The team introduces themselves. Alissha Watley is Senior Meetings Manager at PLRB responsible for some of PLRB's annual conferences. Tim Havlir is Property Coverage Counsel at PLRB with years of experience answering coverage questions. Mike Brode is Vice President of Educational and Technical Services at PLRB managing PLRB's educational offerings, both live and online. [ 02:36 ] - This podcast is intended for insurance industry professionals who need quick-hit trainings on coverage issues that answer interesting insurance questions relevant to their daily work. These 20-minute episodes will provide clear explanations of complex coverage problems, answers to burning questions from real adjusters, and analysis of the latest trends, all grounded in true-to-life scenarios that authentically capture the insurance professional's experience. [ 03:10 ] - Topics to be covered include terrorism, pandemics, fireworks, NFTs, aggressive contractors, phone scams, matching, vacation rentals, and more. [ 05:00 ] - Back to the bear attack, the property would be considered covered property; it doesn't matter that it's off-premises. [ 06:13 ] - In this named policy, vandalism requires a mental state of intent which the bear did not have. The same issue applies to other perils such as theft and malicious mischief. [ 08:30 ] - There is no named peril for damage by animals. Your PLRB Resources Homeowners Annotation on Theft - https://search.plrb.org/?dn=135&src=gsa Homeowners Annotation on Vandalism - https://search.plrb.org/?dn=150&src=gsa Coverage Question "Raccoon Cannot Cause Malicious Mischief or Vandalism" - https://search.plrb.org/?dn=26392&src=gsa Coverage Question "Birds Cannot Commit Theft" - https://search.plrb.org/?dn=25272&src=gsa Coverage Question "Vandalism and Malicious Mischief Involving Cows" - https://search.plrb.org/?dn=85933&src=gsa 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 with your story.  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/bear-4387678/ https://fontawesome.com/icons/tent?f=classic&s=solid https://thenounproject.com/icon/steak-766620/ https://thenounproject.com/icon/grill-5779567/

Episode #292!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLLara KlickLinkedIn - Instagram - Tampa General Hospital - Klick AdvisorsHosts: 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 Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

Episode #291!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLLara KlickLinkedIn - Instagram - Tampa General Hospital - Klick AdvisorsHosts: 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 Fan MailSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do! 

Send a textWhen we discuss disclosing sexual assault, we often focus on what someone may say to tip you off but we often overlook what someone may do that can also clue you in, especially in kids! That is what we discuss this week with our guest Hazel Katherine Larkin! To learn more about Hazel, you can find her on LinkedIn at linkedin.com/in/halarkin, Bluesky at @hazelklarkin.bsky.social, and on her website at www.traumarecovery.ie! 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 #290!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLSarah BoeLinkedIn - Instagram - Facebook - Port Consolidated/Valvoline - Boe Family DentalHosts: 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 a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Episode #289!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLSarah BoeLinkedIn - Instagram - Facebook - Port Consolidated/Valvoline - Boe Family DentalHosts: 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 a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!

Episode #288!The Business of Life Master Class Podcasthttps://www.facebook.com/TheBusinessOfLifeMasterClassInstagram: @thebusinessoflifemasterclassTwitter/X: @ClassTBOLLaura WoodardFacebook - LinkedIn - Grass Roots Medical Marketing - X/Twittermedmktgquiz.scoreapp.comHosts: 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 a textSupport the showThe Business of Life Master Class Podcast. Listen. Choose. Do!