Insuring a Cannabis Business – Is It Covered? | Is It Covered? Podcast 

Can you insure a licensed cannabis business?

Yes—but it’s complicated! In this episode, Bruce and Brian Chapman break down the unique risks and essential coverages for dispensaries, growers, and distributors. From liability to property protection, we’ve got you covered.

What you’ll learn:

• Key insurance policies every cannabis business needs
• Common risks and how to protect your assets
• Real-world claims and expert advice

Subscribe, like, and drop your questions in the comments!

• Learn more: www.jdchapmaninc.com
• Follow us: https://www.linkedin.com/in/bruce-chapman-7b415216/
• [email protected]
• 315-986-4062

How Do Natural Disasters Affect Insurance in Non-Disaster-Prone Areas?

Welcome back to Is It Covered?, the podcast that takes a real look at insurance claims, policies, and the stories behind them brought to you by JD Chapman Insurance Agency!

In this episode, Bruce and Brian Chapman break down how natural disasters impact insurance even in areas that rarely see extreme weather.

• Why are my insurance rates going up even though I've never been affected by a hurricane, wildfire, or earthquake?

• What is reinsurance, and how does it trickle down to your premiums?Are policies changing nationwide due to climate risks?

• What can homeowners and businesses do to prepare for potential increases and coverage shifts?

Even if you live in low-risk area, your insurance costs and coverage are likely affected by disasters happening elsewhere. We'll help you navigate these changes and share practical steps to keep your policy strong while controlling costs.

Don't get caught off guard -- know what's covered before disaster strikes!

Have a question or a wild insurance claim story?
Drop it in the comments, and we might feature it in a future episode!

Subscribe for more real insurance stories and expert advice!

email: [email protected]
phone: 315-986-4062

$60M Verdict: Hotel Negligence Leaves Guest with Irreversible Brain Damage | Is It Covered?

A relaxing vacation turned into a nightmare. When Diamond Resorts failed to conduct a timely welfare check, Priscilla O'Malley suffered irreversible brain damage. The jury's verdict? A staggering $60,445,361 against the hotel.

In this episode of Is It Covered?, Bruce and Brian Chapman break down the case, discussing:

•  How hotel liability and negligence played a role
•  The impact of welfare check policies on liability
•  What this means for business owners in the hospitality industry
•  How insurance could (or couldn’t) have helped in this case

With $50M awarded for medical care and suffering and $10M for loss of consortium, this verdict is another example of the rising tide of nuclear verdicts.
Could better risk management have prevented it? What lessons can businesses take away from this?
Subscribe for real-world insurance breakdowns that matter.

Need insurance help? 
Reach out to our office at 315-986-4062

www.jdchapmaninc.com

Movie Set Accident: $60 Million Verdict In this episode of Is It Covered?, we dive into the dramatic case of James Razo, a cameraman who suffered life-altering injuries on a movie set. What led to the $66.6 million verdict (later reduced to $60.8 million)?  
Case Breakdown:

• Incident: A movie set workplace accident left Razo with spinal fractures, a traumatic brain injury, and permanent disabilities. The jury held Black Label Media 63% liable for unsafe working conditions.
• Outcome: A massive nuclear verdict awarded to Razo and his wife.
• Insurance Takeaway: What could have been done differently, and how can you protect your business against catastrophic claims like these?

Join Bruce and Brian Chapman of JD Chapman Insurance as they unpack the details and offer insights on how proper coverage and safety protocols can help mitigate risks. If you've ever wondered how insurance works in the high-stakes world of movie sets and large claims, this one's for you! 

Interested in working with JD Chapman on all your insurance needs?

Please call out office at 315-986-4062 or email [email protected]

Welcome to a powerful new episode of Is It Covered?, brought to you by the J.D. Chapman Insurance Agency! In this installment of our mini-series on nuclear verdicts, we dive into the staggering $177 million case of workplace negligence at a major hotel chain.The story centers on Shannon Dugan, a 37-year-old law enforcement officer, who endured a harrowing assault by a hotel security guard in her room. The trial revealed gross negligence in the hotel's hiring, training, and supervision practices, ultimately leading to this landmark verdict.Join hosts Bruce and Brian Chapman as they unpack the layers of this case, explore the broader implications of nuclear verdicts on businesses, and provide insights on how proper risk management and insurance coverage can protect organizations from devastating losses.

Key Topics Covered:

• The details of the case and $177 million verdict
• The role of negligent hiring and supervision in liability
• How businesses can mitigate risks and avoid similar outcomes
• Practical insurance tips to navigate complex claims

Hit subscribe for more real-world claim scenarios, actionable insurance advice, and stories that answer the big question: Is it covered?

In this episode of Is It Covered?, hosts Bruce and Brian dive into the world of nuclear verdicts. What exactly is a nuclear verdict, and how is it impacting insurance, businesses, and consumers? We break it all down, exploring real-world examples, the factors driving these staggering legal awards, and how the insurance industry is adapting to this growing trend.

If you're in the insurance business, work in risk management, or are simply curious about the ripple effects of these headline-grabbing cases, this episode is a must-listen. Tune in to learn how to navigate this challenging landscape and protect yourself or your business. 

Don’t forget to subscribe for more insights into the insurance world and beyond!

Topics Covered:

• The definition of nuclear verdicts
• Notable examples and their impact
• Key drivers behind massive legal awards
• Insurance industry responses and strategies

 Follow us for more episodes and updates:
www.jdchapmaninc.com
Call us at 315-986- 4062

🎙 "Is It Covered" Podcast - Episode 8: "I'm an Uber Driver and Got Into a Car Accident"

🚗 In this episode of "Is It Covered", insurance experts Brian and Bruce Chapman break down a real-life scenario that rideshare drivers need to know: What happens when you get into a car accident while driving for Uber?

Whether you're a rideshare driver or just curious about how insurance works in these situations, this episode will provide clarity on:
✅ Rideshare insurance policies and coverage gaps
✅ What steps to take immediately after an accident
✅ How personal and Uber-provided insurance interact
✅ Tips for protecting yourself and your livelihood as a driver

🚕 Whether you're driving full-time or part-time, knowing how to navigate insurance claims is crucial for your peace of mind and financial security.

👉 Subscribe for more episodes covering the weird, wild, and critical aspects of insurance you didn't know you needed to know!

🎧 Listen on Spotify, Apple Podcasts, or wherever you get your podcasts.

📩 Have a question you'd like us to cover? Drop it in the comments or email us at [email protected]

In this gripping episode of Is It Covered?, Bruce and Brian Chapman tackle one of the wildest insurance scenarios yet: a tire falls off a car, causing catastrophic damage and a tragic fatality.

Could this be covered under your insurance? The father-and-son duo dig into the details, explaining the factors that determine coverage in extreme situations like this. From policy specifics to the nuances of liability, this is an episode you won’t want to miss!

Whether you're a policyholder or just curious about the world of insurance, Is It Covered? makes complicated topics engaging and understandable. Don’t forget to like, comment, and subscribe for more unbelievable insurance stories and expert advice! Interested in discussing your current policy? 

Contact us at (315) 986-4062 or visit our website at www.jdchapmaninc.com

In this episode of Is It Covered?, Bruce and Brian Chapman tackle a shocking story of a lightning strike that hit a transformer, leading to fried appliances and frustrated homeowners.

The father-son duo from JD Chapman Insurance Agency break down what happens when a power surge wreaks havoc on your home. Is it covered by your insurance? How does the claims process work? And what can you do to prepare for unexpected electrical mishaps?

Tune in for an engaging, informative discussion about real-life scenarios, practical tips, and peace of mind when storms hit.

Subscribe to Is It Covered? for more relatable insurance stories, insights, and answers to the big question – Is it covered?

www.jdchapmaninc.com

"Is It Covered?" - My Neighbor’s Tree Fell on My House! 

In this latest episode of Is It Covered?, Bruce and Brian Chapman dive into a classic homeowner's nightmare—what happens when your neighbor's tree takes a tumble onto your house. Who’s responsible? Is it covered?

And what steps should you take to handle the situation smoothly?Join us as we:Break down real-life scenarios and how insurance policies play a role.

Explore the surprising factors that determine who pays.

Share tips for preventing disputes and protecting your home from unexpected hazards.
As always, we're keeping it educational, entertaining, and easy to understand. Whether you're a seasoned homeowner or a first-timer, this episode is packed with insights you won't want to miss! 

Don't forget to like, comment, and subscribe! Share your insurance questions or tree-falling tales in the comments below—maybe they’ll inspire our next episode!

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