The past three years have been filled with unprecedented events and their economic impacts - insurance costs included. In this episode, Heather is joined by Property Underwriter Todd Guilbeau. With 15+ years in the insurance industry, he explains how natural disasters, recessions, labor shortages, and so much more have caused individual's and company's insurance costs to skyrocket. This conversation gives key insight to importance of transparency during this hard market. Listen to learn how you can approach your policies' renewals with confidence and understand the influences behind the challenging premium increases. We know it's hard out there, both personally and corporately, and it's our mission to put our client's mind at ease and help you find real sustainable solutions.