In this podcast episode, Michael, Peter, and Adam discuss with Philip Charles-Pierre about the evolving landscape of the insurance industry, focusing on the role of technology, the importance of relationships, and the challenges faced in commercial lines rating. They explore how AI and data flow can enhance the efficiency of agents and carriers, while emphasizing the need for collaboration and partnerships to drive innovation. The conversation highlights the gradual changes in the industry and the potential for niche markets to thrive as technology continues to advance.