A tabletop exercise simulates a cyber security incident. I have performed over 100 of these for organizations ranging from $10M up to $10B. These are the single most important risk management item you can do to prepare yourself for an incident. This episode discusses the basics and reveals 6 key takeaways that these exercises can offer organizations.

Every insurance relationship has the basic insurance stuff, statement of values, estimated payroll, drivers lists....yada yada. These 10 documents demonstrate a different level of operational intimacy that helps accounts stand out and provides a platform to elevate your risk management discussions.

Business Income insurance is not as finite as most components of a commercial property insurance policy. It is less science as it is art. However this concept can open the doors to having a deeper understanding of true business risk, and if positioned correctly can be a differentiator when it comes to insurance design and cost.

The market seems to be softening, that must mean group captives will go away. Not necessarily, the last ten years have showed that the group captive concept is now more of a risk management strategy rather then a refuge from harsh market cycles. This episode unpacks some basics and some strategies as to how to approach this insurance program concept.

Email is the communication lifeblood of the insurance industry, whether its clients, carriers, or colleagues its how we talk. The disadvantage to email is that it is two-dimensional, which results in tone being misinterpreted. Your inbox is your first impression - and can often times be your biggest liability, this episode unpacks some strategies to enhance this communication and experience with your stakeholders.

In a competitive carrier and broker landscape, bang for your buck means everything. Maximizing the value that the insurance carrier can provide to the relationship often times will free up brokers to be more creative. These five services are low hanging fruit for most insurance carriers and can offer measurable impact to the overall insurance relationship.

Combined ratio's are a leading indicator when it comes to insurance carrier and industry performance. Combined ratio's through 2025 continue to drift down perhaps signaling the start of a softer market cycle. This quick episode discusses what these ratio's are, what they aren't, and how to use them to negotiate and sound like an industry veteran.

Many commercial insurance policies require estimates of exposures over a year ahead of time, specifically General Liability and Workers Compensation. With that level of uncertainty and so much premium on the line, this episode discusses best practices to preserve cashflow and ensure final accuracy.

General Liability insurance is a foundational coverage in all insurance programs. It's is critical to any organization to even operate. This episode unpacks the basics of General Liability coverage, what specific types are out there, how it is triggered in the event of a claim, and things to look for when designing it.

You cannot go anywhere these days without hearing about artificial intelligence. There is no doubt that industries will be disrupted and processes will be changed. This episode unpacks some areas that AI might impact the insurance industry, specifically the brokerage space, and why it presents more of an opportunity than you think.