Derek Laczniak

Wolf of Property Casualty

Business EN ↓ 70 episodes

The commercial property and casualty industry is desperate for a fresh voice. This podcast features a 15 year industry retail broker who grew a book of business to over $4M in commission but faced personal struggles and bad decisions, essentially the rise and fall of a 1% producer. The podcast aims to attack P&C concepts in a short format aimed at three target audiences - Brokers, Insurance Carrier Representatives, and Insurance Buyers. Authentic, real talk, from someone passionate for the business.

Author

Derek Laczniak

Category

Business

Podcast website

podcasters.spotify.com

Latest episode

Jul 9, 2026

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Episodes

Commissions to Convictions: Learning My Lines - What Acting Taught Me About Sales (and Surviving Jail) 09.07.2026

This episode breaks down the one sales skill nobody talks about — treating your job like a performance, not a con. From reading a room to holding a consistent character through three months in jail, this episode reframes "acting" as discipline, not deceit.

What Is a Maquiladora? Cross-Border Manufacturing Insurance 06.07.2026

Your US insurance policy doesn't cover your "rented" Mexico plant — and the Mexican government made sure of it. This episode breaks down maquiladora structures, the locally admitted insurance requirement, and the one relationship every buyer needs on the ground before a claim.

Mr. Passive Income: What I Called My Key Man Life Insurance Referral Partner 05.07.2026

Key Man Life Insurance is a simple product that arguably most organizations need to have, and yet, unless mandated by lenders it is often overlooked or not discussed. I turned this conversation with customers into frequent referral commissions while demonstrating the ability to think about risk in a broader context.

Commissions to Convictions: You Made a Choice, Not a Mistake 01.07.2026

Standing in front of a judge before sentencing I was called out for something I didn't expect, talking about "choices" not "mistakes. Even if they both have consequences, there is a difference.

Special Handling Instructions: The Work Comp Checklist Most Buyers Never Ask For 01.07.2026

Work comp is the highest-touch, highest-risk relationship between buyer and carrier — and most never negotiate it. This episode breaks down the special handling instructions that should be built into every account: reserve thresholds, nurse case management, dedicated adjusters, and the "team member not employee" detail that changes the experience.

Rest in Peace, Coverage Audit 25.06.2026

The coverage audit was the bread and butter of middle market sales — get the policies, find the gaps, unseat the incumbent. I ran my old audits through an AI tool and got back in five minutes what used to take eight hours. So what does that mean for how you sell? The audit isn't dead, but the version you've been running might be.

AI Can Read Your Work Comp Loss Run — But Do You Know What to Ask It? 18.06.2026

Work comp loss runs look like spreadsheets full of numbers — until you know what you're looking at. This episode walks through a real loss run: valuation dates, reserves vs. paid, loss ratios, and the claims that demand more than a glance. A practical, no-fluff guide based on how I mastered it in five minutes sitting in my client's parking lots.

Claiming The News: DNA Leaks, Who's on GLP-1's & The OCR Task Force 17.06.2026

DNA breaches. Ozempic patient records. Federal regulators with a new task force. The healthcare cyber space just got a lot more dangerous — and most policies aren't built for it.

Commissions to Convictions: The Boy Who Cried Wolf 16.06.2026

How eroded trust means losing the benefit of the doubt, even when you're telling the truth

Commissions to Convictions: You Can Have the Title. I'll Take the Room - Power vs. Authority 16.06.2026

Most people in leadership chase power — the title, the approvals, the seat at the table. But power without authority is just leverage nobody respects. This episode breaks down why authority is more achievable, more durable, and ultimately more powerful than power alone.

Fleet or No Fleet - Know Your Auto Symbols 16.06.2026

Whether a client runs fifty vehicles or five, the commercial auto policy structure works the same way — and the stakes are just as high. This episode walks through the symbol framework that governs how coverage attaches to vehicles, why scheduled vs. blanket approaches matter more than most buyers realize, and which add-ons should be standard on every auto program regardless of fleet size.

Don't File That Claim Yet: The Not-At-Fault Auto Play Every Broker Should Know 15.06.2026

It's not a sexy topic. Somebody hit your client's van, cop showed up, fault's clear. Easy, right? Not so fast — inserting yourself into a "small" not-at-fault auto claim is one of the highest-ROI moves a commercial broker can make. Subrogation black holes, claims history penalties, and how a two-week hustle can turn into long term client appreciation.

Commissions to Convictions: Won't vs. Can't 11.06.2026

There's a difference between what people can't do and what they simply won't. The lesson isn't about being the most talented person in the room. It's about being the one willing to step into a role or do something that nobody else will. In commercial insurance, that willingness helped build my career, in jail, it built my freedom.

Corgi and the Startup Insurance Bet: Disruption or Dislocation? 11.06.2026

When you strip out the AI buzz and the VC money, what are the actual insurance fundamentals underneath Corgi's model?

The Additional Insured Illusion 10.06.2026

Additional Insured becomes such a common term thrown around insurance agencies and with buyers, every contract, every certificate, they all have requirements for additional insured. In this episode I discuss what it means and the 7 reminders of why this common coverage is important and how to make sure you are getting it right.

Cyber Liability: The Fine Print is Changing 09.06.2026

The market is soft, capacity is everywhere, but the claim environment is still challenging. This episode unpacks recent news in the cyber liability market, and update on litigation trends, and some calls to action surrounding coverage encroachments and risk management recommendations.

Commissions to Convictions: The Validation Trap 04.06.2026

Validation comes in all shapes and sizes and means different things to different people. While a president's club trip might validate some, others may need just your time.

The Truth About TRIA 02.06.2026

Most insurance professionals know TRIA exists, but few understand how it actually works. I think TRIA gets passed off as a "tax" in many cases. This episode breaks down what TRIA is, what actually needs to happen for it to be triggered, and calls out the question if it is really worth it, especially in the middle market/national account space.

Risk Behind the Risk: Facultative & Treaty Reinsurance 29.05.2026

Reinsurance might not be the thing everyone is blaming as the market softens. However, it remains a critical part of the insurance ecosystem and those who have a basic understanding of what it is, how it works, are in a position to sound intelligent, and therefore educate their customers.

Stop Fu*king Up Your COPE 26.05.2026

Construction type, Occupancy, Protection and Exposure are the pillars of property insurance underwriting. Because of that, they can be an afterthought on mature customer relationships and brand new ones. This episode unpacks the importance of each and the little things that help make sure you have the fundamentals right to ensure the best presentation to the marketplace.

Commissions to Convictions: Not All Mentors Are Role Models 26.05.2026

Not every mentor is a role model — and that distinction matters more than most people realize. In this episode, we explore why the person guiding your career climb isn't always the one shaping who you become. Whether you're 25 or 55, role models show up in unexpected places, and recognizing them changes everything about how you grow.

Claiming The News: Road to Courtroom - The CH Robinson Decision 21.05.2026

The Supreme Court just unanimously ruled that freight brokers are liable for the vetting of the companies that they broker loads to. The Supreme Court rarely gets involved in P&C litigation, what does this mean, and why should I care?

If You Do the Crime..... 18.05.2026

This podcast has gotten away from what the title suggests, and it is because you can get comfortable...comfortable with what you know, what you are good at. It's time to be a little uncomfortable and talk about more than just insurance. Listen for an update on my personal journey and a new direction talking about all the things I've learned from "Commissions to Convictions".

831(b) Micro Captives: Big Boy Insurance Is More Accessible Than You Think 15.05.2026

I focused on the Middle Market and Upper Middle Market Space, 831b captives were either believed to be snake oil or something only reserved for the biggest of companies. Neither are true, they are incredible risk management tools that plug unfilled gaps of risk for organizations, and yea, there are some tax advantages as well.

Bits, Bytes & Bricks: How to Talk About Builders Risk Insurance 12.05.2026

The construction boom associated with building data centers to support AI is everywhere. It is providing a nice organic growth boom for brokers who are entering a softer insurance market. This got me thinking about the first stage, Builders Risk. This episode unpacks builder's risk basics and more importantly how to position it with some key considerations when you are not an expert.

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