In this episode of Torch Talk, Lindsey Chupp sits down with Seth Buckwalter, President of Whitaker Meyers, for a practical and eye-opening conversation about risk management, insurance strategy, and protecting what matters most in business.

Seth unpacks real-world scenarios that many business owners overlook, from special event coverage and cyber threats to employment practices liability, directors and officers insurance, and hired and non-owned auto exposure. Throughout the discussion, he explains how even businesses that “haven’t done anything wrong” can face significant legal and financial risk, and why proactive education is more powerful than reactive damage control.

The conversation also explores how independent agents evaluate risk, what business owners should be reviewing regularly, and why policy language and changing operations matter more than most leaders realize. Seth shares candid examples from real claims situations, emphasizing that smart risk management isn’t about fear. It’s about clarity, preparation, and informed decision-making.

In this episode, you’ll hear about:

• Why special event policies and host liquor liability matter
• The evolving reality of cyber threats and social engineering fraud
• How employment practices liability protects against costly allegations
• What directors and officers coverage actually does
• Why regular insurance reviews are critical as your business grows

This episode offers a grounded, practical look at the hidden exposures businesses face and how thoughtful planning can help leaders sleep better at night.