Entrepreneurship, business advice, and financial freedom all come down to protecting what you’re building. And most people do not realize they are underinsured until the claim happens. Brett Prusinski breaks down why chasing the cheapest insurance policy can become the most expensive mistake you make. Brett Prusinski is an independent insurance broker focused on helping New York clients simplify confusing insurance decisions through a consultative approach built around transparency and long-term relationships. Working as a broker instead of a captive agent allows him to shop multiple carriers for better coverage options while helping clients avoid common coverage gaps that only show up during a claim. In this ceo interview style conversation, Brett explains how technology, automation, and local market expertise are changing the insurance industry while still keeping the human relationship first. His goal is to scale Clear Path across New York with multiple locations serving thousands of policyholders annually. 0:00 - Cheapest Insurance Usually Costs More 1:20 - Why Insurance Became So Commoditized 4:20 - Broker vs Captive Agent Explained 7:33 - The Real Cost of Chasing Low Premiums 10:38 - Why Insurance Rates Keep Rising 13:12 - Why Local Agents Still Matter Connect with Brett Prusinski: Instagram: https://www.instagram.com/meetbrett/ Email: [email protected] Connect with Chuck Claypool: LinkedIn: Chuck Claypool About Brokers Hotseat Podcast: Brokers Hotseat Podcast brings together insurance professionals, agency owners, and entrepreneurs for real conversations about leadership skills, business strategy, scaling a business, client relationships, and what actually works in today’s insurance industry. Powered by NXC Podcast Network #thenxcpodcastnetwork #brokershotseat #insurance