Wolf of Property Casualty

For publicly traded insurance carriers, their results, albeit on a macro level, can signal what is going on with their underwriting performance, which in turn matters to buyers and brokers. The CNA results paint a different picture than their competitors, what does that mean, and what should I think about?

Building a book of business is hard — and I made it harder. In this episode, I'm pulling back the curtain on 5 real mistakes I made along the way, what they cost me, and what I'd do differently today.

I worked with someone that used to say "People will forget what you said, but they will never forget how you made them feel". The same applies to sales, join me for three instances where I risked be "cheesy" in an attempt to evoke feel in the sales process.

Soft market conditions don't last forever. Well recouping some rate is paramount to everyone after year's of a hard market cycle, don't forget to review opportunities to improve terms, conditions and coverages, like Flood Insurance.

It is easy to become complacent with claim reviews, they can and often times feel like transactional meetings. These meetings serve a real purpose and should not be taken for granted. This episode talks about how to negotiate to make sure you have them, how to run them, and how to make sure each party at the table gets what they need out of them.

The experience modification factor is not some mystical equation, well technically it is, but more than that it is an indicator and a multiplier. This episode unpacks not only an overview of what it is but also ways that it can be used to enhance the service experience of customers and open the door with prospects.

When a claim hits, who actually gets to pick your attorney — you or your insurer? In this episode, we break down the choice of counsel battlefield across different policy types, from CGL to D&O. We'll cover when policyholders have the right to select their own defense counsel, when insurers get to call the shots, and the critical conflict of interest triggers that can shift control. Whethe...

Yoga pants, meet forever chemicals. Texas AG has launched an investigation into the use of PFAS in the manufacturing of Lululemon's products. While they say they have ceased use in products since 2023, it provides a good context and reminder of the changing landscape related to PFAS investigations and litigation. These types of long tail chemical related risks hit the intersection of multiple cove...

LINKE TO ARTICLE https://www.insurancejournal.com/news/west/2026/04/08/864876.htm A recent total loss fire at a KC facility in California hit the news yesterday. Thankfully, no one was hurt. But the facts of this loss raise a number of insurance questions that are good reminders of what happens when multiple parties are involved in large losses.

Contingencies are nothing more than incentive payments based upon qualified metrics. These are not uncommon in any industry, so why are they sometimes considered taboo within the insurance agency industry? This episode discusses what they are, and how they are managed in a way to prevent moral hazard in achieving the best experience for buyers.

Product Recall is common coverage for higher hazard industries, notably, food manufacturing, life sciences, and the auto industry, but the coverage can be useful in covering areas for companies that fall outside of those industries. Watch out, coverage is not uniform, and claims can be challenging, but applying knowledge of this product can help solve coverage gaps that other products simply do no...

Details are available about litigation between Tinder's parent company (Match.com) and litigation they filed against Beazley (carrier) as well as now Marsh (broker) all regarding the handling of and reporting of a claim. This episode discusses the merits of the accusations and serves as a good reminder that handling Claims Made liability policies requires special attention, specifically surroundin...

Softening market conditions is a relief for those close to the P&C Insurance marketplace. The transition or "bridge" year is always the most chaotic because the market does not move in "lock step" and neither does a cycle of renewals. This episode unpacks 5 strategies to how to stay ahead of the changing market dynamics in your interactions with your target audience.

It's estimated that over 60% of commercial property and casualty insurance renews on January 1st. Why? It Sucks! This episode uncovers why it sucks so much, why you might think you need to, and the basic steps to move it - and ideal dates to move it to if you can.

They say insurance is a relationship business I would argue none are more important than the ones you have within your organization. This episode focuses specifically on the importance of the service team in the agency setting. It discusses some tips on how to create a winning culture within the team and also some hard lessons I learned about how to manage all professional relationships.

A tabletop exercise simulates a cyber security incident. I have performed over 100 of these for organizations ranging from $10M up to $10B. These are the single most important risk management item you can do to prepare yourself for an incident. This episode discusses the basics and reveals 6 key takeaways that these exercises can offer organizations.

Every insurance relationship has the basic insurance stuff, statement of values, estimated payroll, drivers lists.... yada yada. These 10 documents demonstrate a different level of operational intimacy that helps accounts stand out and provides a platform to elevate your risk management discussions.

Business Income insurance is not as finite as most components of a commercial property insurance policy. It is less science as it is art. However this concept can open the doors to having a deeper understanding of true business risk, and if positioned correctly can be a differentiator when it comes to insurance design and cost.

The market seems to be softening, that must mean group captives will go away. Not necessarily, the last ten years have showed that the group captive concept is now more of a risk management strategy rather then a refuge from harsh market cycles. This episode unpacks some basics and some strategies as to how to approach this insurance program concept.

Email is the communication lifeblood of the insurance industry, whether its clients, carriers, or colleagues its how we talk. The disadvantage to email is that it is two-dimensional, which results in tone being misinterpreted. Your inbox is your first impression - and can often times be your biggest liability, this episode unpacks some strategies to enhance this communication and experience with y...

In a competitive carrier and broker landscape, bang for your buck means everything. Maximizing the value that the insurance carrier can provide to the relationship often times will free up brokers to be more creative. These five services are low hanging fruit for most insurance carriers and can offer measurable impact to the overall insurance relationship.

Combined ratio's are a leading indicator when it comes to insurance carrier and industry performance. Combined ratio's through 2025 continue to drift down perhaps signaling the start of a softer market cycle. This quick episode discusses what these ratio's are, what they aren't, and how to use them to negotiate and sound like an industry veteran.

Many commercial insurance policies require estimates of exposures over a year ahead of time, specifically General Liability and Workers Compensation. With that level of uncertainty and so much premium on the line, this episode discusses best practices to preserve cashflow and ensure final accuracy.

General Liability insurance is a foundational coverage in all insurance programs. It's is critical to any organization to even operate. This episode unpacks the basics of General Liability coverage, what specific types are out there, how it is triggered in the event of a claim, and things to look for when designing it.

You cannot go anywhere these days without hearing about artificial intelligence. There is no doubt that industries will be disrupted and processes will be changed. This episode unpacks some areas that AI might impact the insurance industry, specifically the brokerage space, and why it presents more of an opportunity than you think.