What does it take to turn one of the biggest hidden costs in commercial real estate into your biggest advantage?

In this episode of Common Denominator, I sit down with Jerry Katz, founder of Premier Protection Insurance Services, for a conversation that starts with insurance and expands into scaling, execution, and the future of real estate investing in Florida. Jerry walks us through his path from chasing Wall Street excess, to losing everything in the dot-com crash, to building a captive insurance strategy that's helped him optimize more than $4 billion in commercial real estate portfolios.

We get into why most investors still treat insurance as an unavoidable expense instead of a profit lever, how the Live Local Act is reshaping opportunity for Florida developers, where AI is already changing underwriting, and what really separates founders who scale past seven figures from the ones who stall out.

This is a conversation about execution, hidden leverage, and building wealth that lasts

 Timestamp

0:00 Welcome 

2:50 Why multifamily and commercial real estate have stabilized

5:11 How Dubai's instability is pulling capital into Miami

6:10 The workforce housing gap in Miami-Dade

7:37 The Live Local Act and the edge it gives Florida developers

11:17 Where AI is already disrupting real estate

13:11 AGI and what happens when AI starts teaching AI

13:51 Self-storage, autonomous vehicles, and the next disrupted asset classes

15:52 Sky ports, flying taxis, and Jerry's insurance origin story

21:58 How the insurance industry really works, and who profits from it

24:42 Why banks own the insurance companies too

25:17 Total Asset Optimization: insuring almost $5 billion in Florida

27:50 What sophisticated investors do differently on insurance

30:08 Jerry's worst business mistake: Wall Street and the dot-com bubble

38:01 Why business is a spiritual journey

39:39 Rapid fire round

43:31 What common denominator really means

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