When David McFarland got a job as an actuary out of college, he was working at an insurance firm where he first saw how data wasn't being optimized. Later after working alongside Kyle Nakatsuji at auto insurtech company ClearCover, he saw how Kyle's model could apply to all of small businesses and more importantly, saw how small businesses were overlooked. David joins the show to talk to Scott about why big firms overlook small business owners and self-proprietors, how Coterie tailors to them, being a recovering actuary and tips on getting a firm response the right way.