What's the Scenario? with PLRB

What do AI voice clones, $3,000 in wired cash, a lost wedding ring, and a Toledo prison have in common? This episode on the coverage issues presented when a family member-- or a business-- falls for a scam. The team discusses the various types of scams out there and what may and may not be covered under most insurance policies.   Notable Timestamps   [ 00:18 ] - Grandma got a call from someone cla...

Most contractors are honest actors, but how can an adjuster handle a situation in which a contractor takes an aggressive approach, or insists on cutting the insured out of communications? The PLRB crew discusses the difficulties posed by these situations and what some legislatures and doing to address them.   Notable Timestamps   [ 00:35 ] - Hypothetical contractors say that they are paying the in...

The next pandemic strikes a local hospital, resulting in a business income loss as the facility is closed for cleaning. Does the presence of the virus on the surfaces to be cleaned represent a "direct physical loss" sufficient for coverage? Tim, Alissha, and Mike will explore a scenario nobody wants to think about, applying case law from the post-COVID era.   Notable Timestamps   [ 00:34 ] - A hyp...

A terrorist attack causes massive property damage, including to an insured business. The adjuster assigned to the claim is sure they've seen something in the policy about terrorism disclosure or terrorism caps, but isn't sure what. In this episode, Tim, Alissha, and Mike will explore the TRIA act which enables coverage for minor terrorism losses, and why it likely does not apply to this scenario....

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...

Coming January 9, 2024, this podcast feed will be rebooted as "What's the Scenario? with PLRB." Each week you'll find a 20-minute episode that addresses a claims or coverage scenario and answers interesting insurance questions. Our PLRB team of  Alissha Watley , Mike Brode, and Tim Havlir will discuss terrorism, pandemics, fireworks, NFTs, aggressive contractors, phone scams, matching, vacation re...

During this hiatus, PLRB on Demand! will re-run a series of its favorite previous episodes. While diversity is a buzz phrase in many sectors of the business world these days, it is a vital part of the insurance industry, and can make a difference in the resolution of claims. This podcast will discuss diversity and the importance of different viewpoints when assessing a claims decision. The views a...

During this hiatus, PLRB on Demand! will re-run a series of its favorite previous episodes. This episode of PLRB on Demand will feature guest host Trent Stoker, Director of Next Gen Strategy & Implementation at PEMCO Mutual Insurance Company. Trent will interview an expert on the subject of Growth Mindset in the context of leadership, learning, humility, and curiosity: Stan McNaughton, President &...

During this hiatus, PLRB on Demand! will re-run a series of its favorite previous episodes. This episode of PLRB on Demand will feature Sherri Gallant and Dave Robinson on the topic of "Burning Through a Cannabis Business Interruption Claim." Today's podcast will explore a cannabis property loss with a focus on the business income loss aspect. These claims present special challenges, consideration...

During this hiatus, PLRB on Demand! will re-run a series of its favorite previous episodes. In today's podcast episode, Becky will distinguish between industrial hemp and marijuana, and trace hemp's complex history in the United States legal system. We'll explore the legal status of industrial hemp and the emerging issues surrounding hemp and CBD oil. Becky will also go into basic farming principl...

During this hiatus, PLRB on Demand! will re-run a series of its favorite previous episodes. In today's conversation, Dr. Allison Stock, Vice President of Environmental Health and Safety at J.S. Held, will challenge some common misconceptions about food safety, and educate us on the science behind food-borne illnesses. She will provide us with some practical tips for avoiding these illnesses, and d...

During this hiatus, PLRB on Demand! will re-run a series of its favorite previous episodes. In today's conversation, we will learn more about Laura Spaulding's experiences founding Spaulding Decon, working with insurance companies, and dealing with the types of messes most people wouldn't want to handle. We'll discuss how adjusters can prepare for biohazardous environments and how COVID has impact...

During this hiatus, PLRB on Demand! will re-run a series of its favorite previous episodes. Beth Sterne of PLRB will give an overview of the Businessowners policy, including what type of business is usually covered by this policy and an overview of the coverages. We will also discuss the features that make this policy different from other commercial policies. The views and opinions expressed in th...

During this hiatus, PLRB on Demand! will re-run a series of its favorite previous episodes. Losses that involve business income can pose a particular challenge for adjusters. Picking through contents losses and picking through spreadsheets require very different sets of skills. Today, we will speak with Katharyn about her experiences working with business income losses. The views and opinions expr...

During this hiatus, PLRB on Demand! will re-run a series of its favorite previous episodes. Is subrogation recovery possible after a hurricane, wildfire, or other mass destruction loss? Paul and Katy will review the types of claims from catastrophes or weather-driven losses that can result in successful subrogation, separate "Acts of God" from "Negligence by man" claims when considering subrogatio...

During this hiatus, PLRB on Demand! will re-run a series of its favorite previous episodes. This episode of PLRB on Demand will feature Timothy Molony, Claims Concierge and Director of Business Development at BSC Forensics. Tim Molony's reputation in the industry comes from working within a large national and international property insurance network. In addition to his business development role, h...

During this hiatus, PLRB on Demand! will re-run a series of its favorite previous episodes. This is the third of a series called "The Coverage Contrarian," where your experts at PLRB discuss and debate interesting coverage issues & nuances. What coverage issues can arise under a Homeowners policy in the event of an E-Bike accident? Check out this week's biggest debate on PLRB on Demand. Illinois –...

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During this hiatus, PLRB on Demand! will re-run a series of its favorite previous episodes. This is the second of a series called "The Coverage Contrarian," where your experts at PLRB discuss and debate interesting coverage issues & nuances. What happens when the injury that's caused is worse than the injury the insured expected? Check out this week's biggest debate on PLRB on Demand. The views an...

During this hiatus, PLRB on Demand! will re-run a series of its favorite previous episodes. This is the first of a series called "The Coverage Contrarian," where your experts at PLRB discuss and debate interesting coverage issues & nuances. When a mechanic is hired to work on one part of the engine, and another part of the engine breaks down, is there coverage? Check out this week's biggest debate...

This episode of PLRB on Demand marks our 100th episode! Over the course of this podcast, we have heard from attorneys, claims professionals, engineers, InsureTech experts, and our own PLRB staff. It has been a privilege to pick the brains of so many talented industry professionals. From now through November, this podcast is going on a hiatus as we install a new recording studio and retool the form...

This episode of PLRB on Demand will feature Angie Prinsen and Laura Pascoe, both Property and Casualty Claims Managers at Acuity Insurance, on the topic of "Skyrocket Your Leadership Potential by Unlocking a Growth Mindset." Angie Prinsen started her career at Acuity Insurance in 2004 and earned her bachelor's degree in Business as well as her MBA at Lakeland University. Laura Pascoe has over 22 y...

This episode of PLRB on Demand will feature Jeanie Ismay, trial attorney at Frank Daily Law. Jeanie's presentation, "Why Face Time Matters: Maintaining Long-Distance Professional Relationships in the Digital Age," has been adapted for this podcast. When was the last time you saw your most valuable contact in person? Join Jeanie Ismay as she enthusiastically shares her own professional journey and...

This episode of PLRB on Demand will feature Jim Chaney, a Training Specialist at E. A. Renfroe & Company on the topic of "Hail Dents to Metal Roofs: Covered Damage or Not?" Jim Chaney is an insurance trainer who develops and presents trainings for independent adjusters on topics including coverage, claims handling best practices, damage assessment, and more. Before coming to Renfroe, Jim spent nin...

This episode of PLRB on Demand will feature Matt Paxton, television host and top hoarding expert. Matt's presentation, "Understanding a Hoarder to Better Serve Your Clients and Lower Your Costs," has been adapted for this podcast. Hoarder insureds exist, and they are not as uncommon as you might think. Join TV personality Matt Paxton as he shines light on the private lives of hoarders, dispels hoa...