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Realistically, should I consider AirBNB’n my house when the NFL draft comes to Pittsburgh next year? We live about 30 minutes south of the city. Easy access to highways, food, casino, outlets all close by. Anyone ever do that for a single event? Trying to quantify if worth

Trying to get a $2M Umbrella quote, and the wholesaler is telling me that one of their markets won’t go over National Indemnity Company paper. NICO is a Berkshire Hathaway company and they obviously have more money than most countries. Just doesn’t make sense. This is 5/1

The psyche of the insurance buyer is sometimes v strange. Save them 15% off their current program, they love you. Tell them their carrier needs an addl $250 to add Blanket AI Completed Ops form and they go ballistic 🤷🏻‍♂️

I wrote a new piece of biz with Acuity and this was on my desk this morning. I can appreciate the handwritten note, but also the elementary school vibe is throwing me off 😆

When your underwriter calls to tell you the facultative reinsurance is going up on your non-sprinklered manufacturing account with ITVs north of $20M. The renewal might be a bit steep…not a ton of optionality with other insurers either 😬

I had a call with a prospect earlier today, that on the surface you would think was an experienced, sizeable operation. Branded/Wrapped Trucks Uniforms Marketing spend Etc Get a copy of their policies, $300k CSL auto, barebones GL with no real enhancements, no Umbrella. 🤦🏻‍♂️

GEICO’s Commercial Auto product is the Spirit Airlines of insurance. Add a driver below 26 years old? $2,400 Need Addl Insured? $50 each holder Need a WOS? $50 each holder Also just got an email of an updated rate filing for the trucking product in PA starting in May. Front

This is the way! Be the Consultative Risk Management broker. Don’t be the “quote provider”.

One of my clients go their WC audit back last week and I noticed a decent Additional Premium due. I noticed exposure was picked up for Tile/Mosaic work, which we didn’t have on at inception, captured at a $9.20 rate. When I called the insured, he told me one of his subs let

Submitted a July renewal to a wholesaler to help with a non-renewal and unfavorable losses. Broker advised it’s possible NICO may decline. Suggested he may need to go to Prime. This one is not going to be pretty 🤦🏻‍♂️

You can easily identify the underwriters who are new to the game vs the seasoned vets. Had a meeting with a few underwriters today and I asked if their product was filed to include multiple Named Insureds. One underwriter asked how important that was. I then proceeded to

The underwriting constraints surrounding Commercial Auto are absolutely horrendous right now. I submitted an account to The Hartford; 16 power units, 16 drivers, two drivers under the age of 25, two 25-year olds, good loss history and MVRs, and it was declined. What IS an

The Pest Control guy that just came to my house was a door-to-door savant. Dude literally had a rebuttal ready to go for every reason I gave him why I wasn’t inclined to add any new services. He’ll probably do really well this season, but we’re good here 🤷🏻‍♂️

The Risk-Taking Ability (financial capacity to assume risk) of organizations is wildly different for each entity. Just this week I had two claims scenarios; Client A - Damaged a clients flooring, estimated cost of repairs $15,000. They want to assume the claim/risk and pay for

The stage of parenting nobody really talks to you about... The crawl/walking stage, and the amount of gates, locks, checkpoints, retina scanners, security guard, etc. we have deployed in our home currently is wild. Just to get to the fridge...and that has a lock now too🤦‍♂️

Sent a $30k rev bind order to an underwriter and their tech on Wednesday of last week…no response. No confirmation bind order received. No “thanks for the partnership” etc. Busy? Lazy? Just a touch of Professional courtesy goes a long way sometimes 🤷🏻‍♂️

What in the world is going on at Erie Insurance? I heard their systems have been totally offline since 6/7 with little to no communication. No payments being made, claims falling behind, nobody can get or process renewals… Big yikes 🤦🏻‍♂️

How quickly insurance pricing can blow up with a lack of risk controls, frequent losses, and a general “Laissez-faire" approach to safety practices, etc: 24/25 Auto $55,519 25/26 Auto $172,818 +311% Average Unit Cost going from $13,897 to $43,204. Scoured the market, left no

The advice some brokers give out sometimes is just shockingly bad… I have an insured that is in the process of selling his company by way of entity sale. The incoming ownership group emailed me: “We spoke to our broker and he suggested we just take over the policies” The

A Wednesday win: My team and I just got an email that we are being announced as the preferred insurance broker for a sizeable franchise system, with 140+ open locations. We did an analysis of the corporate locations, identified several gaps, and wrote an awesome program for