{"version":"1.0.0","segments":[{"speaker":"ALLAN EGBERT","startTime":0.0,"endTime":2.43,"body":"I"},{"speaker":"ALLAN EGBERT","startTime":0.0,"endTime":2.43,"body":"think speed is always"},{"speaker":"ALLAN EGBERT","startTime":2.43,"endTime":4.62,"body":"one of the first things"},{"speaker":"ALLAN EGBERT","startTime":2.43,"endTime":4.62,"body":"that's discussed,"},{"speaker":"ALLAN EGBERT","startTime":4.62,"endTime":6.9,"body":"and I don't necessarily"},{"speaker":"ALLAN EGBERT","startTime":4.62,"endTime":6.9,"body":"know that that's"},{"speaker":"ALLAN EGBERT","startTime":6.9,"endTime":8.01,"body":"the most important thing."},{"speaker":"ALLAN EGBERT","startTime":8.01,"endTime":12.94,"body":"I think getting it"},{"speaker":"ALLAN EGBERT","startTime":8.01,"endTime":12.94,"body":"right is more important."},{"speaker":"SPEAKER","startTime":12.94,"endTime":15.22,"body":"This is the"},{"speaker":"SPEAKER","startTime":12.94,"endTime":15.22,"body":"Insurance Technology Podcast"},{"speaker":"SPEAKER","startTime":15.22,"endTime":16.66,"body":"where we bring"},{"speaker":"SPEAKER","startTime":15.22,"endTime":16.66,"body":"interesting people"},{"speaker":"SPEAKER","startTime":16.66,"endTime":18.37,"body":"from across the"},{"speaker":"SPEAKER","startTime":16.66,"endTime":18.37,"body":"insurance ecosystem"},{"speaker":"SPEAKER","startTime":18.37,"endTime":20.05,"body":"to discuss and"},{"speaker":"SPEAKER","startTime":18.37,"endTime":20.05,"body":"debate technology's"},{"speaker":"SPEAKER","startTime":20.05,"endTime":21.92,"body":"impact on the industry."},{"speaker":"SPEAKER","startTime":21.92,"endTime":24.58,"body":"Join us each episode for"},{"speaker":"SPEAKER","startTime":21.92,"endTime":24.58,"body":"insights and best practices"},{"speaker":"SPEAKER","startTime":24.58,"endTime":26.98,"body":"from industry stewards"},{"speaker":"SPEAKER","startTime":24.58,"endTime":26.98,"body":"and tomorrow's innovators."},{"speaker":"SPEAKER","startTime":26.98,"endTime":30.376,"body":"[MUSIC PLAYING]"},{"speaker":"ALLAN EGBERT","startTime":34.685,"endTime":38.69,"body":"Welcome back to"},{"speaker":"ALLAN EGBERT","startTime":34.685,"endTime":38.69,"body":"the insurance beer podcast."},{"speaker":"ALLAN EGBERT","startTime":38.69,"endTime":39.89,"body":"That's not right."},{"speaker":"ALLAN EGBERT","startTime":39.89,"endTime":43.16,"body":"This is, obviously, The"},{"speaker":"ALLAN EGBERT","startTime":39.89,"endTime":43.16,"body":"Insurance Technology Podcast."},{"speaker":"ALLAN EGBERT","startTime":43.16,"endTime":48.26,"body":"But we are not Reid"},{"speaker":"ALLAN EGBERT","startTime":43.16,"endTime":48.26,"body":"Holzworth, obviously."},{"speaker":"ALLAN EGBERT","startTime":48.26,"endTime":50.27,"body":"Still."},{"speaker":"ALLAN EGBERT","startTime":50.27,"endTime":51.38,"body":"I'm Allan Egbert."},{"speaker":"ALLAN EGBERT","startTime":51.38,"endTime":52.13,"body":"Mike Albert."},{"speaker":"ALLAN EGBERT","startTime":52.13,"endTime":53.85,"body":"What's going on?"},{"speaker":"ALLAN EGBERT","startTime":53.85,"endTime":54.35,"body":"All right."},{"speaker":"ALLAN EGBERT","startTime":54.35,"endTime":56.06,"body":"So part two of the takeover."},{"speaker":"ALLAN EGBERT","startTime":56.06,"endTime":60.38,"body":"Today we're going to talk about"},{"speaker":"ALLAN EGBERT","startTime":56.06,"endTime":60.38,"body":"the commercial lines segment"},{"speaker":"ALLAN EGBERT","startTime":60.38,"endTime":65.51,"body":"panel which was"},{"speaker":"ALLAN EGBERT","startTime":60.38,"endTime":65.51,"body":"moderated by Taira Mandy."},{"speaker":"ALLAN EGBERT","startTime":65.51,"endTime":70.34,"body":"Also a former Ask Kodiak legend"},{"speaker":"ALLAN EGBERT","startTime":65.51,"endTime":70.34,"body":"who came over with the team"},{"speaker":"ALLAN EGBERT","startTime":70.34,"endTime":71.66,"body":"when we joined IVANS."},{"speaker":"MIKE ALBERT","startTime":71.66,"endTime":72.86,"body":"Can you"},{"speaker":"MIKE ALBERT","startTime":71.66,"endTime":72.86,"body":"be a former legend?"},{"speaker":"MIKE ALBERT","startTime":72.86,"endTime":74.61,"body":"I think once you're a"},{"speaker":"MIKE ALBERT","startTime":72.86,"endTime":74.61,"body":"legend, you're a legend."},{"speaker":"ALLAN EGBERT","startTime":74.61,"endTime":76.25,"body":"Once"},{"speaker":"ALLAN EGBERT","startTime":74.61,"endTime":76.25,"body":"you're a-- did I say--"},{"speaker":"ALLAN EGBERT","startTime":76.25,"endTime":76.73,"body":"I did say--"},{"speaker":"MIKE ALBERT","startTime":76.73,"endTime":77.42,"body":"You"},{"speaker":"MIKE ALBERT","startTime":76.73,"endTime":77.42,"body":"said former legend."},{"speaker":"ALLAN EGBERT","startTime":77.42,"endTime":79.7,"body":"I meant formally"},{"speaker":"ALLAN EGBERT","startTime":77.42,"endTime":79.7,"body":"from maybe Ask Kodiak."},{"speaker":"ALLAN EGBERT","startTime":79.7,"endTime":82.61,"body":"But yes, still a legend."},{"speaker":"ALLAN EGBERT","startTime":82.61,"endTime":87.47,"body":"We had Risa from Bindable, we"},{"speaker":"ALLAN EGBERT","startTime":82.61,"endTime":87.47,"body":"had John from Simply Business,"},{"speaker":"ALLAN EGBERT","startTime":87.47,"endTime":89.645,"body":"and Bobbie from Coterie."},{"speaker":"ALLAN EGBERT","startTime":92.24,"endTime":94.25,"body":"They started-- I think"},{"speaker":"ALLAN EGBERT","startTime":92.24,"endTime":94.25,"body":"their conversation was"},{"speaker":"ALLAN EGBERT","startTime":94.25,"endTime":98.26,"body":"around online platforms for"},{"speaker":"ALLAN EGBERT","startTime":94.25,"endTime":98.26,"body":"commercial and where they are"},{"speaker":"ALLAN EGBERT","startTime":98.26,"endTime":98.76,"body":"today."},{"speaker":"ALLAN EGBERT","startTime":98.76,"endTime":103.01,"body":"Which, of course, is something"},{"speaker":"ALLAN EGBERT","startTime":98.76,"endTime":103.01,"body":"near and dear to our hearts."},{"speaker":"ALLAN EGBERT","startTime":103.01,"endTime":103.52,"body":"Mike."},{"speaker":"ALLAN EGBERT","startTime":103.52,"endTime":107.0,"body":"Mike Albert, so how are we"},{"speaker":"ALLAN EGBERT","startTime":103.52,"endTime":107.0,"body":"doing with online distribution"},{"speaker":"ALLAN EGBERT","startTime":107.0,"endTime":109.088,"body":"platforms today?"},{"speaker":"ALLAN EGBERT","startTime":109.088,"endTime":110.88,"body":"Before we get into what"},{"speaker":"ALLAN EGBERT","startTime":109.088,"endTime":110.88,"body":"they were thinking."},{"speaker":"MIKE ALBERT","startTime":110.88,"endTime":115.857,"body":"Boy"},{"speaker":"MIKE ALBERT","startTime":110.88,"endTime":115.857,"body":"it is remarkable."},{"speaker":"MIKE ALBERT","startTime":115.857,"endTime":117.69,"body":"Without necessarily"},{"speaker":"MIKE ALBERT","startTime":115.857,"endTime":117.69,"body":"answering that question,"},{"speaker":"MIKE ALBERT","startTime":117.69,"endTime":120.6,"body":"because this panel does a"},{"speaker":"MIKE ALBERT","startTime":117.69,"endTime":120.6,"body":"really nice job of that,"},{"speaker":"MIKE ALBERT","startTime":120.6,"endTime":122.55,"body":"I will preview something."},{"speaker":"MIKE ALBERT","startTime":122.55,"endTime":125.07,"body":"If you haven't already"},{"speaker":"MIKE ALBERT","startTime":122.55,"endTime":125.07,"body":"heard the session,"},{"speaker":"MIKE ALBERT","startTime":125.07,"endTime":129.1,"body":"they talk about looking forward"},{"speaker":"MIKE ALBERT","startTime":125.07,"endTime":129.1,"body":"into the future 20 years."},{"speaker":"MIKE ALBERT","startTime":129.1,"endTime":130.979,"body":"In one of the replies,"},{"speaker":"MIKE ALBERT","startTime":129.1,"endTime":130.979,"body":"somebody talks"},{"speaker":"MIKE ALBERT","startTime":130.979,"endTime":134.01,"body":"about looking backwards and"},{"speaker":"MIKE ALBERT","startTime":130.979,"endTime":134.01,"body":"at some of the things people"},{"speaker":"MIKE ALBERT","startTime":134.01,"endTime":136.62,"body":"were saying five,"},{"speaker":"MIKE ALBERT","startTime":134.01,"endTime":136.62,"body":"seven, 10 years ago."},{"speaker":"MIKE ALBERT","startTime":136.62,"endTime":139.38,"body":"And it is clear that"},{"speaker":"MIKE ALBERT","startTime":136.62,"endTime":139.38,"body":"we have some hype"},{"speaker":"MIKE ALBERT","startTime":139.38,"endTime":141.39,"body":"cycles in this industry,"},{"speaker":"MIKE ALBERT","startTime":139.38,"endTime":141.39,"body":"and sometimes we"},{"speaker":"MIKE ALBERT","startTime":141.39,"endTime":143.31,"body":"get a little ahead"},{"speaker":"MIKE ALBERT","startTime":141.39,"endTime":143.31,"body":"of ourselves in terms"},{"speaker":"MIKE ALBERT","startTime":143.31,"endTime":145.71,"body":"of how fast things may come."},{"speaker":"MIKE ALBERT","startTime":145.71,"endTime":148.292,"body":"So it's my way of answering the"},{"speaker":"MIKE ALBERT","startTime":145.71,"endTime":148.292,"body":"question without necessarily"},{"speaker":"MIKE ALBERT","startTime":148.292,"endTime":149.25,"body":"answering the question."},{"speaker":"MIKE ALBERT","startTime":149.25,"endTime":152.56,"body":"But some really good discussion"},{"speaker":"MIKE ALBERT","startTime":149.25,"endTime":152.56,"body":"about what's to come there."},{"speaker":"MIKE ALBERT","startTime":152.56,"endTime":156.897,"body":"I will also say, in"},{"speaker":"MIKE ALBERT","startTime":152.56,"endTime":156.897,"body":"this session there"},{"speaker":"MIKE ALBERT","startTime":156.897,"endTime":159.48,"body":"was some really great discussion"},{"speaker":"MIKE ALBERT","startTime":156.897,"endTime":159.48,"body":"about third party data, which"},{"speaker":"MIKE ALBERT","startTime":159.48,"endTime":162.0,"body":"has been a very hot"},{"speaker":"MIKE ALBERT","startTime":159.48,"endTime":162.0,"body":"topic for us lately."},{"speaker":"MIKE ALBERT","startTime":162.0,"endTime":166.44,"body":"We have lots of good partners"},{"speaker":"MIKE ALBERT","startTime":162.0,"endTime":166.44,"body":"at IVANS in that realm."},{"speaker":"MIKE ALBERT","startTime":166.44,"endTime":168.96,"body":"And in fact, you'll hear from"},{"speaker":"MIKE ALBERT","startTime":166.44,"endTime":168.96,"body":"at least one of those partners"},{"speaker":"MIKE ALBERT","startTime":168.96,"endTime":171.57,"body":"in the coming weeks"},{"speaker":"MIKE ALBERT","startTime":168.96,"endTime":171.57,"body":"on this podcast."},{"speaker":"MIKE ALBERT","startTime":171.57,"endTime":174.21,"body":"So some good discussion"},{"speaker":"MIKE ALBERT","startTime":171.57,"endTime":174.21,"body":"there around third party data"},{"speaker":"MIKE ALBERT","startTime":174.21,"endTime":176.485,"body":"as well."},{"speaker":"TAIRA MANDY","startTime":176.485,"endTime":178.39,"body":"To"},{"speaker":"TAIRA MANDY","startTime":176.485,"endTime":178.39,"body":"kick things off, I"},{"speaker":"TAIRA MANDY","startTime":178.39,"endTime":182.47,"body":"want to know when you think"},{"speaker":"TAIRA MANDY","startTime":178.39,"endTime":182.47,"body":"about commercial lines, what"},{"speaker":"TAIRA MANDY","startTime":182.47,"endTime":185.77,"body":"are the challenges,"},{"speaker":"TAIRA MANDY","startTime":182.47,"endTime":185.77,"body":"or the different parts"},{"speaker":"TAIRA MANDY","startTime":185.77,"endTime":188.53,"body":"of the commercial lines"},{"speaker":"TAIRA MANDY","startTime":185.77,"endTime":188.53,"body":"lifecycle, where you feel"},{"speaker":"TAIRA MANDY","startTime":188.53,"endTime":191.62,"body":"like, over the last few"},{"speaker":"TAIRA MANDY","startTime":188.53,"endTime":191.62,"body":"years, technology has really"},{"speaker":"TAIRA MANDY","startTime":191.62,"endTime":195.652,"body":"stepped in to improve"},{"speaker":"TAIRA MANDY","startTime":191.62,"endTime":195.652,"body":"it for the industry?"},{"speaker":"TAIRA MANDY","startTime":195.652,"endTime":197.11,"body":"In other words,"},{"speaker":"TAIRA MANDY","startTime":195.652,"endTime":197.11,"body":"where is technology"},{"speaker":"TAIRA MANDY","startTime":197.11,"endTime":201.32,"body":"making the biggest impact in"},{"speaker":"TAIRA MANDY","startTime":197.11,"endTime":201.32,"body":"commercial lines right now?"},{"speaker":"TAIRA MANDY","startTime":201.32,"endTime":201.82,"body":"Risa."},{"speaker":"RISA PECORARO","startTime":202.775,"endTime":205.15,"body":"I would say"},{"speaker":"RISA PECORARO","startTime":202.775,"endTime":205.15,"body":"probably the online platforms."},{"speaker":"RISA PECORARO","startTime":205.15,"endTime":207.13,"body":"The fact that there"},{"speaker":"RISA PECORARO","startTime":205.15,"endTime":207.13,"body":"are several businesses"},{"speaker":"RISA PECORARO","startTime":207.13,"endTime":209.83,"body":"now focused on"},{"speaker":"RISA PECORARO","startTime":207.13,"endTime":209.83,"body":"online distribution,"},{"speaker":"RISA PECORARO","startTime":209.83,"endTime":211.0,"body":"I think that's a big change."},{"speaker":"RISA PECORARO","startTime":211.0,"endTime":214.87,"body":"I think because"},{"speaker":"RISA PECORARO","startTime":211.0,"endTime":214.87,"body":"the way that people"},{"speaker":"RISA PECORARO","startTime":214.87,"endTime":216.94,"body":"want to start their"},{"speaker":"RISA PECORARO","startTime":214.87,"endTime":216.94,"body":"journey, start"},{"speaker":"RISA PECORARO","startTime":216.94,"endTime":218.46,"body":"their search has changed a lot."},{"speaker":"TAIRA MANDY","startTime":218.46,"endTime":219.44,"body":"Yeah."},{"speaker":"RISA PECORARO","startTime":219.44,"endTime":221.71,"body":"And so I"},{"speaker":"RISA PECORARO","startTime":219.44,"endTime":221.71,"body":"think making more information"},{"speaker":"RISA PECORARO","startTime":221.71,"endTime":223.33,"body":"available online,"},{"speaker":"RISA PECORARO","startTime":221.71,"endTime":223.33,"body":"even if they want"},{"speaker":"RISA PECORARO","startTime":223.33,"endTime":226.21,"body":"to finish that journey with"},{"speaker":"RISA PECORARO","startTime":223.33,"endTime":226.21,"body":"a trusted agent, somebody who"},{"speaker":"RISA PECORARO","startTime":226.21,"endTime":230.73,"body":"they can consult with, having"},{"speaker":"RISA PECORARO","startTime":226.21,"endTime":230.73,"body":"more accessible information"},{"speaker":"RISA PECORARO","startTime":230.73,"endTime":231.23,"body":"online."},{"speaker":"RISA PECORARO","startTime":231.23,"endTime":233.71,"body":"Including what kind of"},{"speaker":"RISA PECORARO","startTime":231.23,"endTime":233.71,"body":"components of a policy"},{"speaker":"RISA PECORARO","startTime":233.71,"endTime":235.27,"body":"you might need is"},{"speaker":"RISA PECORARO","startTime":233.71,"endTime":235.27,"body":"really helpful."},{"speaker":"TAIRA MANDY","startTime":235.27,"endTime":235.63,"body":"Yeah."},{"speaker":"RISA PECORARO","startTime":235.63,"endTime":236.62,"body":"And important."},{"speaker":"TAIRA MANDY","startTime":236.62,"endTime":237.43,"body":"Completely agree."},{"speaker":"TAIRA MANDY","startTime":237.43,"endTime":238.3,"body":"John, what do you think?"},{"speaker":"JOHN PEGNATO","startTime":238.3,"endTime":240.342,"body":"Yeah, I have"},{"speaker":"JOHN PEGNATO","startTime":238.3,"endTime":240.342,"body":"a very similar answer."},{"speaker":"JOHN PEGNATO","startTime":240.342,"endTime":243.97,"body":"I think the buying process"},{"speaker":"JOHN PEGNATO","startTime":240.342,"endTime":243.97,"body":"and the customer information"},{"speaker":"JOHN PEGNATO","startTime":243.97,"endTime":248.242,"body":"gathering process has primarily"},{"speaker":"JOHN PEGNATO","startTime":243.97,"endTime":248.242,"body":"moved online, at least first."},{"speaker":"JOHN PEGNATO","startTime":248.242,"endTime":248.95,"body":"And you're right."},{"speaker":"JOHN PEGNATO","startTime":248.95,"endTime":252.34,"body":"The agents still control such"},{"speaker":"JOHN PEGNATO","startTime":248.95,"endTime":252.34,"body":"a huge part of the market."},{"speaker":"JOHN PEGNATO","startTime":252.34,"endTime":255.631,"body":"But bringing rating models"},{"speaker":"JOHN PEGNATO","startTime":252.34,"endTime":255.631,"body":"online, bringing Bindable"},{"speaker":"JOHN PEGNATO","startTime":255.631,"endTime":257.589,"body":"quotes online, that's"},{"speaker":"JOHN PEGNATO","startTime":255.631,"endTime":257.589,"body":"something that has really"},{"speaker":"JOHN PEGNATO","startTime":257.589,"endTime":258.839,"body":"changed in the last few years."},{"speaker":"JOHN PEGNATO","startTime":258.839,"endTime":261.497,"body":"And we're sort of"},{"speaker":"JOHN PEGNATO","startTime":258.839,"endTime":261.497,"body":"at the forefront,"},{"speaker":"JOHN PEGNATO","startTime":261.497,"endTime":263.08,"body":"but we're certainly"},{"speaker":"JOHN PEGNATO","startTime":261.497,"endTime":263.08,"body":"not the only ones."},{"speaker":"JOHN PEGNATO","startTime":263.08,"endTime":264.86,"body":"It's a crowded space."},{"speaker":"TAIRA MANDY","startTime":264.86,"endTime":265.61,"body":"Sure."},{"speaker":"TAIRA MANDY","startTime":265.61,"endTime":267.14,"body":"Bobbie, any thoughts on that?"},{"speaker":"BOBBIE COLLIES","startTime":267.14,"endTime":268.973,"body":"I would"},{"speaker":"BOBBIE COLLIES","startTime":267.14,"endTime":268.973,"body":"just add in addition"},{"speaker":"BOBBIE COLLIES","startTime":268.973,"endTime":272.39,"body":"to those thoughts is"},{"speaker":"BOBBIE COLLIES","startTime":268.973,"endTime":272.39,"body":"just the impact of data"},{"speaker":"BOBBIE COLLIES","startTime":272.39,"endTime":275.18,"body":"and early artificial"},{"speaker":"BOBBIE COLLIES","startTime":272.39,"endTime":275.18,"body":"intelligence."},{"speaker":"BOBBIE COLLIES","startTime":275.18,"endTime":278.72,"body":"So there are some of you in"},{"speaker":"BOBBIE COLLIES","startTime":275.18,"endTime":278.72,"body":"the room that I work with,"},{"speaker":"BOBBIE COLLIES","startTime":278.72,"endTime":282.428,"body":"third party data sources, where"},{"speaker":"BOBBIE COLLIES","startTime":278.72,"endTime":282.428,"body":"agents and insurers don't even"},{"speaker":"BOBBIE COLLIES","startTime":282.428,"endTime":283.97,"body":"have to provide"},{"speaker":"BOBBIE COLLIES","startTime":282.428,"endTime":283.97,"body":"their own data for us"},{"speaker":"BOBBIE COLLIES","startTime":283.97,"endTime":285.303,"body":"to be able to underwrite a risk."},{"speaker":"BOBBIE COLLIES","startTime":285.303,"endTime":288.92,"body":"And that has completely"},{"speaker":"BOBBIE COLLIES","startTime":285.303,"endTime":288.92,"body":"changed the game"},{"speaker":"BOBBIE COLLIES","startTime":288.92,"endTime":291.47,"body":"on how quickly we can"},{"speaker":"BOBBIE COLLIES","startTime":288.92,"endTime":291.47,"body":"get a commercial lines"},{"speaker":"BOBBIE COLLIES","startTime":291.47,"endTime":292.88,"body":"quote turned around."},{"speaker":"BOBBIE COLLIES","startTime":292.88,"endTime":294.08,"body":"And accurately."},{"speaker":"BOBBIE COLLIES","startTime":294.08,"endTime":296.052,"body":"More accurate than in the past."},{"speaker":"TAIRA MANDY","startTime":296.052,"endTime":297.78,"body":"Completely agree."},{"speaker":"TAIRA MANDY","startTime":297.78,"endTime":300.84,"body":"So let's talk about"},{"speaker":"TAIRA MANDY","startTime":297.78,"endTime":300.84,"body":"the flip side of that."},{"speaker":"TAIRA MANDY","startTime":300.84,"endTime":304.03,"body":"Where are the pain"},{"speaker":"TAIRA MANDY","startTime":300.84,"endTime":304.03,"body":"points or the challenges"},{"speaker":"TAIRA MANDY","startTime":304.03,"endTime":305.78,"body":"that you see right now"},{"speaker":"TAIRA MANDY","startTime":304.03,"endTime":305.78,"body":"in commercial lines"},{"speaker":"TAIRA MANDY","startTime":305.78,"endTime":308.21,"body":"where you feel like"},{"speaker":"TAIRA MANDY","startTime":305.78,"endTime":308.21,"body":"the technology is not"},{"speaker":"TAIRA MANDY","startTime":308.21,"endTime":310.46,"body":"all the way there yet,"},{"speaker":"TAIRA MANDY","startTime":308.21,"endTime":310.46,"body":"or we could still use"},{"speaker":"TAIRA MANDY","startTime":310.46,"endTime":314.69,"body":"some efficiencies or some help?"},{"speaker":"RISA PECORARO","startTime":314.69,"endTime":316.85,"body":"I"},{"speaker":"RISA PECORARO","startTime":314.69,"endTime":316.85,"body":"think that there's"},{"speaker":"RISA PECORARO","startTime":316.85,"endTime":319.52,"body":"an opportunity to move more"},{"speaker":"RISA PECORARO","startTime":316.85,"endTime":319.52,"body":"towards personalization."},{"speaker":"RISA PECORARO","startTime":319.52,"endTime":322.64,"body":"I think what Bobbie just"},{"speaker":"RISA PECORARO","startTime":319.52,"endTime":322.64,"body":"talked about is spot on."},{"speaker":"RISA PECORARO","startTime":322.64,"endTime":325.97,"body":"But it needs to become sort"},{"speaker":"RISA PECORARO","startTime":322.64,"endTime":325.97,"body":"of broadly based mass market"},{"speaker":"RISA PECORARO","startTime":325.97,"endTime":328.28,"body":"so that somebody can"},{"speaker":"RISA PECORARO","startTime":325.97,"endTime":328.28,"body":"know that they're"},{"speaker":"RISA PECORARO","startTime":328.28,"endTime":330.59,"body":"putting in minimal"},{"speaker":"RISA PECORARO","startTime":328.28,"endTime":330.59,"body":"amounts of information"},{"speaker":"RISA PECORARO","startTime":330.59,"endTime":333.05,"body":"going out to trusted"},{"speaker":"RISA PECORARO","startTime":330.59,"endTime":333.05,"body":"sources and then"},{"speaker":"RISA PECORARO","startTime":333.05,"endTime":337.82,"body":"turning around a quote, or at"},{"speaker":"RISA PECORARO","startTime":333.05,"endTime":337.82,"body":"least relevant information."},{"speaker":"RISA PECORARO","startTime":337.82,"endTime":341.84,"body":"Right now I think it's just"},{"speaker":"RISA PECORARO","startTime":337.82,"endTime":341.84,"body":"too complicated for people"},{"speaker":"RISA PECORARO","startTime":341.84,"endTime":343.34,"body":"who are just sort"},{"speaker":"RISA PECORARO","startTime":341.84,"endTime":343.34,"body":"of ordinary people"},{"speaker":"RISA PECORARO","startTime":343.34,"endTime":345.66,"body":"who don't know what"},{"speaker":"RISA PECORARO","startTime":343.34,"endTime":345.66,"body":"general liability means."},{"speaker":"RISA PECORARO","startTime":345.66,"endTime":350.18,"body":"And I think that bringing"},{"speaker":"RISA PECORARO","startTime":345.66,"endTime":350.18,"body":"them on the journey"},{"speaker":"RISA PECORARO","startTime":350.18,"endTime":353.06,"body":"more quickly with more"},{"speaker":"RISA PECORARO","startTime":350.18,"endTime":353.06,"body":"convenience and personalization"},{"speaker":"RISA PECORARO","startTime":353.06,"endTime":354.17,"body":"can help."},{"speaker":"TAIRA MANDY","startTime":354.17,"endTime":354.92,"body":"Yeah."},{"speaker":"JOHN PEGNATO","startTime":354.92,"endTime":355.712,"body":"Yeah."},{"speaker":"JOHN PEGNATO","startTime":355.712,"endTime":359.18,"body":"Building on that, just"},{"speaker":"JOHN PEGNATO","startTime":355.712,"endTime":359.18,"body":"using the power of data,"},{"speaker":"JOHN PEGNATO","startTime":359.18,"endTime":362.63,"body":"I think the commercial line"},{"speaker":"JOHN PEGNATO","startTime":359.18,"endTime":362.63,"body":"space just has an opportunity"},{"speaker":"JOHN PEGNATO","startTime":362.63,"endTime":364.73,"body":"to do more of that."},{"speaker":"JOHN PEGNATO","startTime":364.73,"endTime":368.03,"body":"Personal lines does a fairly"},{"speaker":"JOHN PEGNATO","startTime":364.73,"endTime":368.03,"body":"decent job of that today."},{"speaker":"TAIRA MANDY","startTime":368.03,"endTime":368.78,"body":"Yeah."},{"speaker":"JOHN PEGNATO","startTime":368.78,"endTime":370.863,"body":"Applying"},{"speaker":"JOHN PEGNATO","startTime":368.78,"endTime":370.863,"body":"some of those same concepts"},{"speaker":"JOHN PEGNATO","startTime":370.863,"endTime":372.98,"body":"and then using some"},{"speaker":"JOHN PEGNATO","startTime":370.863,"endTime":372.98,"body":"of the same tactics"},{"speaker":"JOHN PEGNATO","startTime":372.98,"endTime":375.56,"body":"that agents do face"},{"speaker":"JOHN PEGNATO","startTime":372.98,"endTime":375.56,"body":"to face with customers"},{"speaker":"JOHN PEGNATO","startTime":375.56,"endTime":377.21,"body":"and taking those data"},{"speaker":"JOHN PEGNATO","startTime":375.56,"endTime":377.21,"body":"points and really"},{"speaker":"JOHN PEGNATO","startTime":377.21,"endTime":378.99,"body":"being consultative"},{"speaker":"JOHN PEGNATO","startTime":377.21,"endTime":378.99,"body":"in the digital space."},{"speaker":"JOHN PEGNATO","startTime":378.99,"endTime":381.838,"body":"I think that's the"},{"speaker":"JOHN PEGNATO","startTime":378.99,"endTime":381.838,"body":"biggest opportunity."},{"speaker":"BOBBIE COLLIES","startTime":381.838,"endTime":383.88,"body":"And I"},{"speaker":"BOBBIE COLLIES","startTime":381.838,"endTime":383.88,"body":"think Chris alluded to this"},{"speaker":"BOBBIE COLLIES","startTime":383.88,"endTime":386.79,"body":"a little bit earlier, but"},{"speaker":"BOBBIE COLLIES","startTime":383.88,"endTime":386.79,"body":"bringing our agents along"},{"speaker":"BOBBIE COLLIES","startTime":386.79,"endTime":389.64,"body":"in this journey, and what's"},{"speaker":"BOBBIE COLLIES","startTime":386.79,"endTime":389.64,"body":"your value proposition"},{"speaker":"BOBBIE COLLIES","startTime":389.64,"endTime":393.743,"body":"as technology gets inserted"},{"speaker":"BOBBIE COLLIES","startTime":389.64,"endTime":393.743,"body":"into the commercial line space?"},{"speaker":"BOBBIE COLLIES","startTime":393.743,"endTime":395.16,"body":"And I think there's"},{"speaker":"BOBBIE COLLIES","startTime":393.743,"endTime":395.16,"body":"an opportunity"},{"speaker":"BOBBIE COLLIES","startTime":395.16,"endTime":398.43,"body":"to automate a lot of things,"},{"speaker":"BOBBIE COLLIES","startTime":395.16,"endTime":398.43,"body":"but the small commercialized"},{"speaker":"BOBBIE COLLIES","startTime":398.43,"endTime":400.26,"body":"customer versus"},{"speaker":"BOBBIE COLLIES","startTime":398.43,"endTime":400.26,"body":"the middle market"},{"speaker":"BOBBIE COLLIES","startTime":400.26,"endTime":402.15,"body":"commercialized"},{"speaker":"BOBBIE COLLIES","startTime":400.26,"endTime":402.15,"body":"customer, where are"},{"speaker":"BOBBIE COLLIES","startTime":402.15,"endTime":404.04,"body":"those moments when"},{"speaker":"BOBBIE COLLIES","startTime":402.15,"endTime":404.04,"body":"it really matters"},{"speaker":"BOBBIE COLLIES","startTime":404.04,"endTime":405.54,"body":"to have a personal touch point?"},{"speaker":"BOBBIE COLLIES","startTime":405.54,"endTime":406.53,"body":"A human touch point?"},{"speaker":"BOBBIE COLLIES","startTime":406.53,"endTime":408.783,"body":"And where does the technology"},{"speaker":"BOBBIE COLLIES","startTime":406.53,"endTime":408.783,"body":"actually bring value?"},{"speaker":"BOBBIE COLLIES","startTime":408.783,"endTime":410.7,"body":"And I think that's one"},{"speaker":"BOBBIE COLLIES","startTime":408.783,"endTime":410.7,"body":"of the challenges we're"},{"speaker":"BOBBIE COLLIES","startTime":410.7,"endTime":411.908,"body":"trying to solve collectively."},{"speaker":"BOBBIE COLLIES","startTime":411.908,"endTime":413.95,"body":"That's why we're"},{"speaker":"BOBBIE COLLIES","startTime":411.908,"endTime":413.95,"body":"all here, right?"},{"speaker":"ALLAN EGBERT","startTime":413.95,"endTime":417.26,"body":"I"},{"speaker":"ALLAN EGBERT","startTime":413.95,"endTime":417.26,"body":"think speed is always"},{"speaker":"ALLAN EGBERT","startTime":417.26,"endTime":419.45,"body":"one of the first things"},{"speaker":"ALLAN EGBERT","startTime":417.26,"endTime":419.45,"body":"that's discussed,"},{"speaker":"ALLAN EGBERT","startTime":419.45,"endTime":421.76,"body":"and I don't necessarily"},{"speaker":"ALLAN EGBERT","startTime":419.45,"endTime":421.76,"body":"know that that's"},{"speaker":"ALLAN EGBERT","startTime":421.76,"endTime":422.84,"body":"the most important thing."},{"speaker":"ALLAN EGBERT","startTime":422.84,"endTime":428.0,"body":"I think getting it"},{"speaker":"ALLAN EGBERT","startTime":422.84,"endTime":428.0,"body":"right is more important."},{"speaker":"ALLAN EGBERT","startTime":428.0,"endTime":431.24,"body":"I don't necessarily"},{"speaker":"ALLAN EGBERT","startTime":428.0,"endTime":431.24,"body":"think thinking"},{"speaker":"ALLAN EGBERT","startTime":431.24,"endTime":434.12,"body":"in terms of less fields--"},{"speaker":"ALLAN EGBERT","startTime":434.12,"endTime":436.49,"body":"it's still very sort"},{"speaker":"ALLAN EGBERT","startTime":434.12,"endTime":436.49,"body":"of antiquated topics."},{"speaker":"ALLAN EGBERT","startTime":436.49,"endTime":442.79,"body":"You can get through my portal in"},{"speaker":"ALLAN EGBERT","startTime":436.49,"endTime":442.79,"body":"7.2 minutes and get to a quote."},{"speaker":"ALLAN EGBERT","startTime":442.79,"endTime":447.2,"body":"When I'm thinking about"},{"speaker":"ALLAN EGBERT","startTime":442.79,"endTime":447.2,"body":"booking airline tickets"},{"speaker":"ALLAN EGBERT","startTime":447.2,"endTime":449.42,"body":"or if I'm thinking about"},{"speaker":"ALLAN EGBERT","startTime":447.2,"endTime":449.42,"body":"doing anything else online,"},{"speaker":"ALLAN EGBERT","startTime":449.42,"endTime":451.07,"body":"I want correctness."},{"speaker":"ALLAN EGBERT","startTime":451.07,"endTime":454.71,"body":"I want quality."},{"speaker":"ALLAN EGBERT","startTime":454.71,"endTime":458.93,"body":"I want to be able to"},{"speaker":"ALLAN EGBERT","startTime":454.71,"endTime":458.93,"body":"get to an outcome that"},{"speaker":"ALLAN EGBERT","startTime":458.93,"endTime":461.0,"body":"makes me more informed"},{"speaker":"ALLAN EGBERT","startTime":458.93,"endTime":461.0,"body":"and intelligent than when"},{"speaker":"ALLAN EGBERT","startTime":461.0,"endTime":461.81,"body":"I started."},{"speaker":"ALLAN EGBERT","startTime":461.81,"endTime":465.5,"body":"And I don't I don't"},{"speaker":"ALLAN EGBERT","startTime":461.81,"endTime":465.5,"body":"hear that a lot."},{"speaker":"ALLAN EGBERT","startTime":465.5,"endTime":468.28,"body":"Mike Albert, you've always got"},{"speaker":"ALLAN EGBERT","startTime":465.5,"endTime":468.28,"body":"good opinions on this stuff."},{"speaker":"MIKE ALBERT","startTime":468.28,"endTime":469.03,"body":"Yeah."},{"speaker":"MIKE ALBERT","startTime":469.03,"endTime":472.29,"body":"Speed is totally overrated."},{"speaker":"MIKE ALBERT","startTime":472.29,"endTime":475.44,"body":"What it ends up being"},{"speaker":"MIKE ALBERT","startTime":472.29,"endTime":475.44,"body":"a substitute for"},{"speaker":"MIKE ALBERT","startTime":475.44,"endTime":479.37,"body":"is almost ease of use,"},{"speaker":"MIKE ALBERT","startTime":475.44,"endTime":479.37,"body":"which is important."},{"speaker":"MIKE ALBERT","startTime":479.37,"endTime":481.27,"body":"Speed is important,"},{"speaker":"MIKE ALBERT","startTime":479.37,"endTime":481.27,"body":"don't get me wrong."},{"speaker":"MIKE ALBERT","startTime":481.27,"endTime":484.92,"body":"But at the end of the day, I"},{"speaker":"MIKE ALBERT","startTime":481.27,"endTime":484.92,"body":"think functional completeness"},{"speaker":"MIKE ALBERT","startTime":484.92,"endTime":485.97,"body":"is equally important."},{"speaker":"MIKE ALBERT","startTime":485.97,"endTime":488.05,"body":"Can somebody do everything"},{"speaker":"MIKE ALBERT","startTime":485.97,"endTime":488.05,"body":"that they need to do?"},{"speaker":"MIKE ALBERT","startTime":488.05,"endTime":490.29,"body":"Whether they can do it"},{"speaker":"MIKE ALBERT","startTime":488.05,"endTime":490.29,"body":"fast or medium speed,"},{"speaker":"MIKE ALBERT","startTime":490.29,"endTime":491.67,"body":"can they get the"},{"speaker":"MIKE ALBERT","startTime":490.29,"endTime":491.67,"body":"job that they're"},{"speaker":"MIKE ALBERT","startTime":491.67,"endTime":492.67,"body":"trying to get done done?"},{"speaker":"MIKE ALBERT","startTime":492.67,"endTime":494.94,"body":"I think that's paramount."},{"speaker":"MIKE ALBERT","startTime":494.94,"endTime":500.34,"body":"And as well, can we take away"},{"speaker":"MIKE ALBERT","startTime":494.94,"endTime":500.34,"body":"any sort of sense of mystery"},{"speaker":"MIKE ALBERT","startTime":500.34,"endTime":502.14,"body":"as part of the process?"},{"speaker":"MIKE ALBERT","startTime":502.14,"endTime":506.25,"body":"There remains, even to"},{"speaker":"MIKE ALBERT","startTime":502.14,"endTime":506.25,"body":"this day, a big issue"},{"speaker":"MIKE ALBERT","startTime":506.25,"endTime":509.592,"body":"of things kind of disappearing"},{"speaker":"MIKE ALBERT","startTime":506.25,"endTime":509.592,"body":"into workflows and processes."},{"speaker":"MIKE ALBERT","startTime":509.592,"endTime":511.8,"body":"So if you think about it in"},{"speaker":"MIKE ALBERT","startTime":509.592,"endTime":511.8,"body":"terms of the new business"},{"speaker":"MIKE ALBERT","startTime":511.8,"endTime":513.342,"body":"underwriting process,"},{"speaker":"MIKE ALBERT","startTime":511.8,"endTime":513.342,"body":"maybe something"},{"speaker":"MIKE ALBERT","startTime":513.342,"endTime":514.83,"body":"goes to an underwriter."},{"speaker":"MIKE ALBERT","startTime":514.83,"endTime":516.789,"body":"As a broker, you're"},{"speaker":"MIKE ALBERT","startTime":514.83,"endTime":516.789,"body":"dealing with your client."},{"speaker":"MIKE ALBERT","startTime":516.789,"endTime":517.95,"body":"They're asking"},{"speaker":"MIKE ALBERT","startTime":516.789,"endTime":517.95,"body":"questions about when"},{"speaker":"MIKE ALBERT","startTime":517.95,"endTime":520.492,"body":"the quote's going to come back,"},{"speaker":"MIKE ALBERT","startTime":517.95,"endTime":520.492,"body":"and you don't know the answer"},{"speaker":"MIKE ALBERT","startTime":520.492,"endTime":522.61,"body":"because it's in some"},{"speaker":"MIKE ALBERT","startTime":520.492,"endTime":522.61,"body":"other person's hands,"},{"speaker":"MIKE ALBERT","startTime":522.61,"endTime":524.61,"body":"and there's no good way"},{"speaker":"MIKE ALBERT","startTime":522.61,"endTime":524.61,"body":"to track it and to know."},{"speaker":"MIKE ALBERT","startTime":524.61,"endTime":529.53,"body":"And I always think that good"},{"speaker":"MIKE ALBERT","startTime":524.61,"endTime":529.53,"body":"communication and keeping folks"},{"speaker":"MIKE ALBERT","startTime":529.53,"endTime":534.362,"body":"out of that place of mystery is"},{"speaker":"MIKE ALBERT","startTime":529.53,"endTime":534.362,"body":"as important, or more important"},{"speaker":"MIKE ALBERT","startTime":534.362,"endTime":535.32,"body":"oftentimes, than speed."},{"speaker":"MIKE ALBERT","startTime":535.32,"endTime":537.81,"body":"Because, frankly,"},{"speaker":"MIKE ALBERT","startTime":535.32,"endTime":537.81,"body":"you might still"},{"speaker":"MIKE ALBERT","startTime":537.81,"endTime":540.422,"body":"sell the policy if it takes an"},{"speaker":"MIKE ALBERT","startTime":537.81,"endTime":540.422,"body":"extra hour or two as long as"},{"speaker":"MIKE ALBERT","startTime":540.422,"endTime":542.13,"body":"you're doing a great"},{"speaker":"MIKE ALBERT","startTime":540.422,"endTime":542.13,"body":"job of communicating"},{"speaker":"MIKE ALBERT","startTime":542.13,"endTime":544.5,"body":"with the client along the way."},{"speaker":"ALLAN EGBERT","startTime":544.5,"endTime":548.34,"body":"And I also think,"},{"speaker":"ALLAN EGBERT","startTime":544.5,"endTime":548.34,"body":"when ease of doing business"},{"speaker":"ALLAN EGBERT","startTime":548.34,"endTime":551.08,"body":"is a term that's been"},{"speaker":"ALLAN EGBERT","startTime":548.34,"endTime":551.08,"body":"thrown around for so long,"},{"speaker":"ALLAN EGBERT","startTime":551.08,"endTime":553.35,"body":"I think that's just"},{"speaker":"ALLAN EGBERT","startTime":551.08,"endTime":553.35,"body":"a synonym for speed"},{"speaker":"ALLAN EGBERT","startTime":553.35,"endTime":560.82,"body":"in a lot of the minds of"},{"speaker":"ALLAN EGBERT","startTime":553.35,"endTime":560.82,"body":"folks who are using that term."},{"speaker":"ALLAN EGBERT","startTime":560.82,"endTime":564.06,"body":"A couple of extra steps"},{"speaker":"ALLAN EGBERT","startTime":560.82,"endTime":564.06,"body":"checks the boxes, I think."},{"speaker":"ALLAN EGBERT","startTime":564.06,"endTime":566.49,"body":"A lot of the things"},{"speaker":"ALLAN EGBERT","startTime":564.06,"endTime":566.49,"body":"that you just discussed,"},{"speaker":"ALLAN EGBERT","startTime":566.49,"endTime":572.1,"body":"Mike, versus get on an"},{"speaker":"ALLAN EGBERT","startTime":566.49,"endTime":572.1,"body":"agent page, a portal page"},{"speaker":"ALLAN EGBERT","startTime":572.1,"endTime":574.68,"body":"and see one question,"},{"speaker":"ALLAN EGBERT","startTime":572.1,"endTime":574.68,"body":"and then 20 more appear,"},{"speaker":"ALLAN EGBERT","startTime":574.68,"endTime":575.5,"body":"and then 10 more."},{"speaker":"ALLAN EGBERT","startTime":575.5,"endTime":576.0,"body":"You know?"},{"speaker":"ALLAN EGBERT","startTime":576.0,"endTime":577.62,"body":"It's like, I don't know."},{"speaker":"ALLAN EGBERT","startTime":577.62,"endTime":580.71,"body":"That seems to be some sort of,"},{"speaker":"ALLAN EGBERT","startTime":577.62,"endTime":580.71,"body":"again, some sort of shortcut"},{"speaker":"ALLAN EGBERT","startTime":580.71,"endTime":582.45,"body":"for this is the right--"},{"speaker":"ALLAN EGBERT","startTime":582.45,"endTime":585.517,"body":"we're sort of trying to fool"},{"speaker":"ALLAN EGBERT","startTime":582.45,"endTime":585.517,"body":"the agent or the policyholder"},{"speaker":"ALLAN EGBERT","startTime":585.517,"endTime":587.1,"body":"into thinking they"},{"speaker":"ALLAN EGBERT","startTime":585.517,"endTime":587.1,"body":"have less questions"},{"speaker":"ALLAN EGBERT","startTime":587.1,"endTime":588.87,"body":"to answer than they really do."},{"speaker":"ALLAN EGBERT","startTime":588.87,"endTime":593.38,"body":"And you just think you're being"},{"speaker":"ALLAN EGBERT","startTime":588.87,"endTime":593.38,"body":"cute, and it's not overly."},{"speaker":"TAIRA MANDY","startTime":593.38,"endTime":596.205,"body":"Thinking about"},{"speaker":"TAIRA MANDY","startTime":593.38,"endTime":596.205,"body":"how technology is impacting"},{"speaker":"TAIRA MANDY","startTime":596.205,"endTime":597.58,"body":"commercial lines,"},{"speaker":"TAIRA MANDY","startTime":596.205,"endTime":597.58,"body":"one of the pain"},{"speaker":"TAIRA MANDY","startTime":597.58,"endTime":600.82,"body":"points that I feel like"},{"speaker":"TAIRA MANDY","startTime":597.58,"endTime":600.82,"body":"we hear a lot about that"},{"speaker":"TAIRA MANDY","startTime":600.82,"endTime":603.04,"body":"a lot of technologies are"},{"speaker":"TAIRA MANDY","startTime":600.82,"endTime":603.04,"body":"working to fix right now"},{"speaker":"TAIRA MANDY","startTime":603.04,"endTime":604.69,"body":"is speed, right?"},{"speaker":"TAIRA MANDY","startTime":604.69,"endTime":606.158,"body":"Clients want more speed."},{"speaker":"TAIRA MANDY","startTime":606.158,"endTime":608.2,"body":"And when I say clients,"},{"speaker":"TAIRA MANDY","startTime":606.158,"endTime":608.2,"body":"carriers want more speed,"},{"speaker":"TAIRA MANDY","startTime":608.2,"endTime":610.81,"body":"agents want more speed,"},{"speaker":"TAIRA MANDY","startTime":608.2,"endTime":610.81,"body":"consumers want more speed."},{"speaker":"TAIRA MANDY","startTime":610.81,"endTime":612.97,"body":"In commercial"},{"speaker":"TAIRA MANDY","startTime":610.81,"endTime":612.97,"body":"lines, specifically,"},{"speaker":"TAIRA MANDY","startTime":612.97,"endTime":616.06,"body":"do you all feel"},{"speaker":"TAIRA MANDY","startTime":612.97,"endTime":616.06,"body":"like there is a risk"},{"speaker":"TAIRA MANDY","startTime":616.06,"endTime":619.58,"body":"in moving too fast through the"},{"speaker":"TAIRA MANDY","startTime":616.06,"endTime":619.58,"body":"commercial lines lifecycle?"},{"speaker":"TAIRA MANDY","startTime":619.58,"endTime":621.58,"body":"Is there any risk to the"},{"speaker":"TAIRA MANDY","startTime":619.58,"endTime":621.58,"body":"speed or the automation"},{"speaker":"TAIRA MANDY","startTime":621.58,"endTime":623.65,"body":"that we're trying to"},{"speaker":"TAIRA MANDY","startTime":621.58,"endTime":623.65,"body":"create in commercial lines?"},{"speaker":"JOHN PEGNATO","startTime":623.65,"endTime":625.18,"body":"I"},{"speaker":"JOHN PEGNATO","startTime":623.65,"endTime":625.18,"body":"think always there's"},{"speaker":"JOHN PEGNATO","startTime":625.18,"endTime":626.797,"body":"a risk when you"},{"speaker":"JOHN PEGNATO","startTime":625.18,"endTime":626.797,"body":"go fast, but it's"},{"speaker":"JOHN PEGNATO","startTime":626.797,"endTime":629.38,"body":"a matter of how fast you learn"},{"speaker":"JOHN PEGNATO","startTime":626.797,"endTime":629.38,"body":"and then apply those learnings."},{"speaker":"JOHN PEGNATO","startTime":629.38,"endTime":632.65,"body":"So can you be nimble"},{"speaker":"JOHN PEGNATO","startTime":629.38,"endTime":632.65,"body":"enough to understand"},{"speaker":"JOHN PEGNATO","startTime":632.65,"endTime":636.28,"body":"that you're taking on more risk"},{"speaker":"JOHN PEGNATO","startTime":632.65,"endTime":636.28,"body":"and then address those risks?"},{"speaker":"JOHN PEGNATO","startTime":636.28,"endTime":638.77,"body":"We do quite a bit of that"},{"speaker":"JOHN PEGNATO","startTime":636.28,"endTime":638.77,"body":"with some of our teams."},{"speaker":"JOHN PEGNATO","startTime":638.77,"endTime":641.718,"body":"And in different"},{"speaker":"JOHN PEGNATO","startTime":638.77,"endTime":641.718,"body":"partnership opportunities,"},{"speaker":"JOHN PEGNATO","startTime":641.718,"endTime":643.26,"body":"sometimes a light"},{"speaker":"JOHN PEGNATO","startTime":641.718,"endTime":643.26,"body":"gets shown on them."},{"speaker":"JOHN PEGNATO","startTime":643.26,"endTime":645.4,"body":"We won a big partnership"},{"speaker":"JOHN PEGNATO","startTime":643.26,"endTime":645.4,"body":"with Amazon last year,"},{"speaker":"JOHN PEGNATO","startTime":645.4,"endTime":649.27,"body":"and we were speed to"},{"speaker":"JOHN PEGNATO","startTime":645.4,"endTime":649.27,"body":"market nut jobs about it."},{"speaker":"JOHN PEGNATO","startTime":649.27,"endTime":652.6,"body":"And we learned a lot,"},{"speaker":"JOHN PEGNATO","startTime":649.27,"endTime":652.6,"body":"but it was more about"},{"speaker":"JOHN PEGNATO","startTime":652.6,"endTime":655.27,"body":"how we applied those learnings"},{"speaker":"JOHN PEGNATO","startTime":652.6,"endTime":655.27,"body":"to refine the risk that we were"},{"speaker":"JOHN PEGNATO","startTime":655.27,"endTime":658.09,"body":"taking on and that we were"},{"speaker":"JOHN PEGNATO","startTime":655.27,"endTime":658.09,"body":"inviting for the carriers that"},{"speaker":"JOHN PEGNATO","startTime":658.09,"endTime":660.4,"body":"joined that journey with us."},{"speaker":"JOHN PEGNATO","startTime":660.4,"endTime":662.12,"body":"And that has really"},{"speaker":"JOHN PEGNATO","startTime":660.4,"endTime":662.12,"body":"helped us refine."},{"speaker":"JOHN PEGNATO","startTime":662.12,"endTime":664.75,"body":"So again, it's not"},{"speaker":"JOHN PEGNATO","startTime":662.12,"endTime":664.75,"body":"just about how fast you"},{"speaker":"JOHN PEGNATO","startTime":664.75,"endTime":666.46,"body":"are for the customer,"},{"speaker":"JOHN PEGNATO","startTime":664.75,"endTime":666.46,"body":"it's about how fast"},{"speaker":"JOHN PEGNATO","startTime":666.46,"endTime":668.57,"body":"you are for the carriers"},{"speaker":"JOHN PEGNATO","startTime":666.46,"endTime":668.57,"body":"who are protecting them."},{"speaker":"TAIRA MANDY","startTime":668.57,"endTime":670.8,"body":"Yeah."},{"speaker":"BOBBIE COLLIES","startTime":670.8,"endTime":672.55,"body":"Traditionally, we have not"},{"speaker":"BOBBIE COLLIES","startTime":672.55,"endTime":674.47,"body":"been an agile industry."},{"speaker":"BOBBIE COLLIES","startTime":674.47,"endTime":675.705,"body":"So speed is scary."},{"speaker":"JOHN PEGNATO","startTime":675.705,"endTime":676.51,"body":"Yeah."},{"speaker":"TAIRA MANDY","startTime":676.51,"endTime":676.72,"body":"Yeah."},{"speaker":"TAIRA MANDY","startTime":676.72,"endTime":676.825,"body":"Yeah."},{"speaker":"BOBBIE COLLIES","startTime":676.825,"endTime":678.2,"body":"And I think we're"},{"speaker":"BOBBIE COLLIES","startTime":678.2,"endTime":680.62,"body":"learning how do we be"},{"speaker":"BOBBIE COLLIES","startTime":678.2,"endTime":680.62,"body":"all agile together."},{"speaker":"BOBBIE COLLIES","startTime":680.62,"endTime":682.84,"body":"Last panel talked a"},{"speaker":"BOBBIE COLLIES","startTime":680.62,"endTime":682.84,"body":"little bit about carriers"},{"speaker":"BOBBIE COLLIES","startTime":682.84,"endTime":684.07,"body":"and how slow they move."},{"speaker":"BOBBIE COLLIES","startTime":684.07,"endTime":688.36,"body":"So it's just like this friction"},{"speaker":"BOBBIE COLLIES","startTime":684.07,"endTime":688.36,"body":"between carrier and technology,"},{"speaker":"BOBBIE COLLIES","startTime":688.36,"endTime":691.78,"body":"and how do we all kind of figure"},{"speaker":"BOBBIE COLLIES","startTime":688.36,"endTime":691.78,"body":"out that comfortable speed"},{"speaker":"BOBBIE COLLIES","startTime":691.78,"endTime":692.8,"body":"to work together."},{"speaker":"RISA PECORARO","startTime":692.8,"endTime":694.0,"body":"Yeah."},{"speaker":"RISA PECORARO","startTime":694.0,"endTime":696.7,"body":"That's one area where I think"},{"speaker":"RISA PECORARO","startTime":694.0,"endTime":696.7,"body":"maybe the segment does matter"},{"speaker":"RISA PECORARO","startTime":696.7,"endTime":698.29,"body":"because of the"},{"speaker":"RISA PECORARO","startTime":696.7,"endTime":698.29,"body":"complexity of maybe"},{"speaker":"RISA PECORARO","startTime":698.29,"endTime":702.61,"body":"underwriting for mid-market"},{"speaker":"RISA PECORARO","startTime":698.29,"endTime":702.61,"body":"versus a micro business"},{"speaker":"RISA PECORARO","startTime":702.61,"endTime":705.16,"body":"or somebody with less"},{"speaker":"RISA PECORARO","startTime":702.61,"endTime":705.16,"body":"than five employees."},{"speaker":"RISA PECORARO","startTime":705.16,"endTime":707.77,"body":"Because you can probably test"},{"speaker":"RISA PECORARO","startTime":705.16,"endTime":707.77,"body":"and learn a little bit more"},{"speaker":"RISA PECORARO","startTime":707.77,"endTime":710.89,"body":"easily without the kind of risk"},{"speaker":"RISA PECORARO","startTime":707.77,"endTime":710.89,"body":"that you might feel like you"},{"speaker":"RISA PECORARO","startTime":710.89,"endTime":712.99,"body":"have in those scenarios."},{"speaker":"MIKE ALBERT","startTime":714.018,"endTime":715.06,"body":"Fair to say."},{"speaker":"MIKE ALBERT","startTime":715.06,"endTime":716.58,"body":"I mean, that ties"},{"speaker":"MIKE ALBERT","startTime":715.06,"endTime":716.58,"body":"into another topic"},{"speaker":"MIKE ALBERT","startTime":716.58,"endTime":720.6,"body":"that this panel touched on"},{"speaker":"MIKE ALBERT","startTime":716.58,"endTime":720.6,"body":"which was customer experience."},{"speaker":"MIKE ALBERT","startTime":720.6,"endTime":724.38,"body":"Customer experience"},{"speaker":"MIKE ALBERT","startTime":720.6,"endTime":724.38,"body":"is everything."},{"speaker":"MIKE ALBERT","startTime":724.38,"endTime":727.89,"body":"From entering that"},{"speaker":"MIKE ALBERT","startTime":724.38,"endTime":727.89,"body":"information in that form,"},{"speaker":"MIKE ALBERT","startTime":727.89,"endTime":729.24,"body":"you mentioned the website field."},{"speaker":"MIKE ALBERT","startTime":729.24,"endTime":731.24,"body":"I mean, it starts there,"},{"speaker":"MIKE ALBERT","startTime":729.24,"endTime":731.24,"body":"and it goes all the way"},{"speaker":"MIKE ALBERT","startTime":731.24,"endTime":733.51,"body":"through the journey"},{"speaker":"MIKE ALBERT","startTime":731.24,"endTime":733.51,"body":"as a policyholder."},{"speaker":"MIKE ALBERT","startTime":733.51,"endTime":735.39,"body":"And frankly, your agents"},{"speaker":"MIKE ALBERT","startTime":733.51,"endTime":735.39,"body":"are customers, too,"},{"speaker":"MIKE ALBERT","startTime":735.39,"endTime":738.12,"body":"from the carrier standpoint"},{"speaker":"MIKE ALBERT","startTime":735.39,"endTime":738.12,"body":"and their experience dealing"},{"speaker":"MIKE ALBERT","startTime":738.12,"endTime":740.25,"body":"with your technology."},{"speaker":"MIKE ALBERT","startTime":740.25,"endTime":743.85,"body":"So some really interesting"},{"speaker":"MIKE ALBERT","startTime":740.25,"endTime":743.85,"body":"discussion in that arena"},{"speaker":"MIKE ALBERT","startTime":743.85,"endTime":744.6,"body":"as well here."},{"speaker":"ALLAN EGBERT","startTime":745.565,"endTime":748.56,"body":"So the"},{"speaker":"ALLAN EGBERT","startTime":745.565,"endTime":748.56,"body":"audience member, someone"},{"speaker":"ALLAN EGBERT","startTime":748.56,"endTime":749.7,"body":"from the audience--"},{"speaker":"ALLAN EGBERT","startTime":749.7,"endTime":752.25,"body":"going back and looking"},{"speaker":"ALLAN EGBERT","startTime":749.7,"endTime":752.25,"body":"at the audio notes--"},{"speaker":"ALLAN EGBERT","startTime":752.25,"endTime":756.42,"body":"basically said, I think they"},{"speaker":"ALLAN EGBERT","startTime":752.25,"endTime":756.42,"body":"were implying or asking,"},{"speaker":"ALLAN EGBERT","startTime":756.42,"endTime":759.69,"body":"this customer experience,"},{"speaker":"ALLAN EGBERT","startTime":756.42,"endTime":759.69,"body":"is it a throwaway"},{"speaker":"ALLAN EGBERT","startTime":759.69,"endTime":763.95,"body":"or is it being taken as"},{"speaker":"ALLAN EGBERT","startTime":759.69,"endTime":763.95,"body":"seriously as possible?"},{"speaker":"ALLAN EGBERT","startTime":763.95,"endTime":767.55,"body":"And is anyone doing it well?"},{"speaker":"ALLAN EGBERT","startTime":767.55,"endTime":772.55,"body":"And who's focused on it?"},{"speaker":"ALLAN EGBERT","startTime":772.55,"endTime":773.68,"body":"That's a good question."},{"speaker":"ALLAN EGBERT","startTime":773.68,"endTime":778.14,"body":"I don't know-- do"},{"speaker":"ALLAN EGBERT","startTime":773.68,"endTime":778.14,"body":"you think writ large"},{"speaker":"ALLAN EGBERT","startTime":778.14,"endTime":781.17,"body":"our industry is like focusing"},{"speaker":"ALLAN EGBERT","startTime":778.14,"endTime":781.17,"body":"on customer experiences?"},{"speaker":"ALLAN EGBERT","startTime":781.17,"endTime":784.08,"body":"Anyone with good online"},{"speaker":"ALLAN EGBERT","startTime":781.17,"endTime":784.08,"body":"customer experiences"},{"speaker":"ALLAN EGBERT","startTime":784.08,"endTime":788.55,"body":"come to mind that we can name"},{"speaker":"ALLAN EGBERT","startTime":784.08,"endTime":788.55,"body":"without producer like Christen"},{"speaker":"ALLAN EGBERT","startTime":788.55,"endTime":790.578,"body":"hitting us out in production?"},{"speaker":"MIKE ALBERT","startTime":790.578,"endTime":792.37,"body":"That's a"},{"speaker":"MIKE ALBERT","startTime":790.578,"endTime":792.37,"body":"really good question."},{"speaker":"MIKE ALBERT","startTime":792.37,"endTime":793.86,"body":"Here's what I would say--"},{"speaker":"MIKE ALBERT","startTime":793.86,"endTime":795.43,"body":"thought is paid to it."},{"speaker":"MIKE ALBERT","startTime":795.43,"endTime":798.96,"body":"However, I think it takes"},{"speaker":"MIKE ALBERT","startTime":795.43,"endTime":798.96,"body":"a backseat sometimes"},{"speaker":"MIKE ALBERT","startTime":798.96,"endTime":800.74,"body":"to other constraints"},{"speaker":"MIKE ALBERT","startTime":798.96,"endTime":800.74,"body":"that folks have."},{"speaker":"MIKE ALBERT","startTime":800.74,"endTime":803.28,"body":"So from the carrier"},{"speaker":"MIKE ALBERT","startTime":800.74,"endTime":803.28,"body":"standpoint, as carriers"},{"speaker":"MIKE ALBERT","startTime":803.28,"endTime":805.257,"body":"are designing systems, yes."},{"speaker":"MIKE ALBERT","startTime":805.257,"endTime":807.09,"body":"They'll give thought"},{"speaker":"MIKE ALBERT","startTime":805.257,"endTime":807.09,"body":"to customer experience."},{"speaker":"MIKE ALBERT","startTime":807.09,"endTime":809.46,"body":"That'll be important,"},{"speaker":"MIKE ALBERT","startTime":807.09,"endTime":809.46,"body":"especially in early cycles."},{"speaker":"MIKE ALBERT","startTime":809.46,"endTime":811.043,"body":"But at the end of"},{"speaker":"MIKE ALBERT","startTime":809.46,"endTime":811.043,"body":"the day when they're"},{"speaker":"MIKE ALBERT","startTime":811.043,"endTime":813.588,"body":"trying to get the project done,"},{"speaker":"MIKE ALBERT","startTime":811.043,"endTime":813.588,"body":"I think perhaps some of what"},{"speaker":"MIKE ALBERT","startTime":813.588,"endTime":815.88,"body":"might be considered good"},{"speaker":"MIKE ALBERT","startTime":813.588,"endTime":815.88,"body":"customer experience might take"},{"speaker":"MIKE ALBERT","startTime":815.88,"endTime":818.083,"body":"a backseat to what"},{"speaker":"MIKE ALBERT","startTime":815.88,"endTime":818.083,"body":"needs to be done"},{"speaker":"MIKE ALBERT","startTime":818.083,"endTime":819.75,"body":"to get the project"},{"speaker":"MIKE ALBERT","startTime":818.083,"endTime":819.75,"body":"over the finish line."},{"speaker":"MIKE ALBERT","startTime":819.75,"endTime":823.68,"body":"I think that's true on agency"},{"speaker":"MIKE ALBERT","startTime":819.75,"endTime":823.68,"body":"tech occasionally as well."},{"speaker":"MIKE ALBERT","startTime":823.68,"endTime":826.17,"body":"There are examples out there"},{"speaker":"MIKE ALBERT","startTime":823.68,"endTime":826.17,"body":"of good customer experience,"},{"speaker":"MIKE ALBERT","startTime":826.17,"endTime":828.01,"body":"for sure."},{"speaker":"MIKE ALBERT","startTime":828.01,"endTime":830.78,"body":"And I think the group talks"},{"speaker":"MIKE ALBERT","startTime":828.01,"endTime":830.78,"body":"about some of those things."},{"speaker":"MIKE ALBERT","startTime":830.78,"endTime":835.2,"body":"In fact, the group even gets"},{"speaker":"MIKE ALBERT","startTime":830.78,"endTime":835.2,"body":"into the implications of things"},{"speaker":"MIKE ALBERT","startTime":835.2,"endTime":837.84,"body":"like Amazon and insurance"},{"speaker":"MIKE ALBERT","startTime":835.2,"endTime":837.84,"body":"in a couple of places,"},{"speaker":"MIKE ALBERT","startTime":837.84,"endTime":841.573,"body":"which obviously ties into"},{"speaker":"MIKE ALBERT","startTime":837.84,"endTime":841.573,"body":"customer experience as well."},{"speaker":"TAIRA MANDY","startTime":841.573,"endTime":842.24,"body":"OK."},{"speaker":"TAIRA MANDY","startTime":842.24,"endTime":844.01,"body":"I want to pause for a moment."},{"speaker":"TAIRA MANDY","startTime":844.01,"endTime":847.55,"body":"See what questions the audience"},{"speaker":"TAIRA MANDY","startTime":844.01,"endTime":847.55,"body":"has for our commercial lines"},{"speaker":"TAIRA MANDY","startTime":847.55,"endTime":849.44,"body":"experts."},{"speaker":"TAIRA MANDY","startTime":849.44,"endTime":850.37,"body":"Any questions?"},{"speaker":"AUDIENCE MEMBER","startTime":850.37,"endTime":852.23,"body":"I hear"},{"speaker":"AUDIENCE MEMBER","startTime":850.37,"endTime":852.23,"body":"customer experience"},{"speaker":"AUDIENCE MEMBER","startTime":852.23,"endTime":854.367,"body":"on a daily basis as"},{"speaker":"AUDIENCE MEMBER","startTime":852.23,"endTime":854.367,"body":"like a throwaway, right?"},{"speaker":"AUDIENCE MEMBER","startTime":854.367,"endTime":856.95,"body":"People just say it as like, good"},{"speaker":"AUDIENCE MEMBER","startTime":854.367,"endTime":856.95,"body":"morning, customer experience."},{"speaker":"AUDIENCE MEMBER","startTime":856.95,"endTime":858.87,"body":"I don't think they"},{"speaker":"AUDIENCE MEMBER","startTime":856.95,"endTime":858.87,"body":"understand it."},{"speaker":"AUDIENCE MEMBER","startTime":858.87,"endTime":862.07,"body":"But as you're dealing with that"},{"speaker":"AUDIENCE MEMBER","startTime":858.87,"endTime":862.07,"body":"on a daily basis, how much does"},{"speaker":"AUDIENCE MEMBER","startTime":862.07,"endTime":864.372,"body":"it actually change the"},{"speaker":"AUDIENCE MEMBER","startTime":862.07,"endTime":864.372,"body":"industry and the outlook"},{"speaker":"AUDIENCE MEMBER","startTime":864.372,"endTime":865.58,"body":"and the tech that's required?"},{"speaker":"JOHN PEGNATO","startTime":867.837,"endTime":869.42,"body":"Our"},{"speaker":"JOHN PEGNATO","startTime":867.837,"endTime":869.42,"body":"space in particular,"},{"speaker":"JOHN PEGNATO","startTime":869.42,"endTime":871.67,"body":"where we're focused on"},{"speaker":"JOHN PEGNATO","startTime":869.42,"endTime":871.67,"body":"that micro business,"},{"speaker":"JOHN PEGNATO","startTime":871.67,"endTime":874.52,"body":"it does mirror closely to"},{"speaker":"JOHN PEGNATO","startTime":871.67,"endTime":874.52,"body":"what their experience is"},{"speaker":"JOHN PEGNATO","startTime":874.52,"endTime":875.46,"body":"as a consumer."},{"speaker":"JOHN PEGNATO","startTime":875.46,"endTime":878.57,"body":"So we're consistently"},{"speaker":"JOHN PEGNATO","startTime":875.46,"endTime":878.57,"body":"trying to hold ourselves"},{"speaker":"JOHN PEGNATO","startTime":878.57,"endTime":881.06,"body":"to the same standards"},{"speaker":"JOHN PEGNATO","startTime":878.57,"endTime":881.06,"body":"of what they interact"},{"speaker":"JOHN PEGNATO","startTime":881.06,"endTime":882.44,"body":"with every day as a consumer."},{"speaker":"JOHN PEGNATO","startTime":882.44,"endTime":885.14,"body":"So what does it look like when"},{"speaker":"JOHN PEGNATO","startTime":882.44,"endTime":885.14,"body":"they log into their Amazon"},{"speaker":"JOHN PEGNATO","startTime":885.14,"endTime":886.68,"body":"account and are shopping there?"},{"speaker":"JOHN PEGNATO","startTime":886.68,"endTime":888.89,"body":"What does it look"},{"speaker":"JOHN PEGNATO","startTime":886.68,"endTime":888.89,"body":"like when they're"},{"speaker":"JOHN PEGNATO","startTime":888.89,"endTime":892.74,"body":"on their home and auto account"},{"speaker":"JOHN PEGNATO","startTime":888.89,"endTime":892.74,"body":"and looking for new quotes"},{"speaker":"JOHN PEGNATO","startTime":892.74,"endTime":893.24,"body":"there?"},{"speaker":"JOHN PEGNATO","startTime":893.24,"endTime":898.05,"body":"So using some of"},{"speaker":"JOHN PEGNATO","startTime":893.24,"endTime":898.05,"body":"those as a guidepost"},{"speaker":"JOHN PEGNATO","startTime":898.05,"endTime":900.47,"body":"to help us understand"},{"speaker":"JOHN PEGNATO","startTime":898.05,"endTime":900.47,"body":"what it is they"},{"speaker":"JOHN PEGNATO","startTime":900.47,"endTime":904.648,"body":"expect when they engage with"},{"speaker":"JOHN PEGNATO","startTime":900.47,"endTime":904.648,"body":"any kind of online platform."},{"speaker":"JOHN PEGNATO","startTime":904.648,"endTime":906.44,"body":"That's what we really"},{"speaker":"JOHN PEGNATO","startTime":904.648,"endTime":906.44,"body":"try to bring to life."},{"speaker":"JOHN PEGNATO","startTime":906.44,"endTime":908.78,"body":"And, obviously, insurance"},{"speaker":"JOHN PEGNATO","startTime":906.44,"endTime":908.78,"body":"has so many more complexities"},{"speaker":"JOHN PEGNATO","startTime":908.78,"endTime":910.113,"body":"than some of those other things."},{"speaker":"JOHN PEGNATO","startTime":910.113,"endTime":913.46,"body":"But, again, that's where"},{"speaker":"JOHN PEGNATO","startTime":910.113,"endTime":913.46,"body":"data, speed, all that stuff"},{"speaker":"JOHN PEGNATO","startTime":913.46,"endTime":915.65,"body":"kind of comes into"},{"speaker":"JOHN PEGNATO","startTime":913.46,"endTime":915.65,"body":"play in making"},{"speaker":"JOHN PEGNATO","startTime":915.65,"endTime":918.86,"body":"sure we have a tight feedback"},{"speaker":"JOHN PEGNATO","startTime":915.65,"endTime":918.86,"body":"loop from what the customer is"},{"speaker":"JOHN PEGNATO","startTime":918.86,"endTime":920.9,"body":"engaging with, how"},{"speaker":"JOHN PEGNATO","startTime":918.86,"endTime":920.9,"body":"they're engaging with it,"},{"speaker":"JOHN PEGNATO","startTime":920.9,"endTime":922.4,"body":"and how we're taking"},{"speaker":"JOHN PEGNATO","startTime":920.9,"endTime":922.4,"body":"those learnings"},{"speaker":"JOHN PEGNATO","startTime":922.4,"endTime":924.23,"body":"and applying those"},{"speaker":"JOHN PEGNATO","startTime":922.4,"endTime":924.23,"body":"to our iterations."},{"speaker":"JOHN PEGNATO","startTime":924.23,"endTime":926.13,"body":"That's really the key."},{"speaker":"JOHN PEGNATO","startTime":926.13,"endTime":929.565,"body":"So listening as much as we can,"},{"speaker":"JOHN PEGNATO","startTime":926.13,"endTime":929.565,"body":"but also using reference points"},{"speaker":"JOHN PEGNATO","startTime":929.565,"endTime":931.19,"body":"throughout just the"},{"speaker":"JOHN PEGNATO","startTime":929.565,"endTime":931.19,"body":"general marketplace"},{"speaker":"JOHN PEGNATO","startTime":931.19,"endTime":936.22,"body":"and how they expect to engage"},{"speaker":"JOHN PEGNATO","startTime":931.19,"endTime":936.22,"body":"with platforms as a consumer."},{"speaker":"RISA PECORARO","startTime":936.22,"endTime":937.72,"body":"I"},{"speaker":"RISA PECORARO","startTime":936.22,"endTime":937.72,"body":"think, for me, what"},{"speaker":"RISA PECORARO","startTime":937.72,"endTime":939.76,"body":"I think about is convenience."},{"speaker":"RISA PECORARO","startTime":939.76,"endTime":941.2,"body":"Not so much customer experience."},{"speaker":"RISA PECORARO","startTime":941.2,"endTime":942.617,"body":"I don't know that"},{"speaker":"RISA PECORARO","startTime":941.2,"endTime":942.617,"body":"anybody is going"},{"speaker":"RISA PECORARO","startTime":942.617,"endTime":945.67,"body":"to buy their commercial policy"},{"speaker":"RISA PECORARO","startTime":942.617,"endTime":945.67,"body":"and then be delighted by it."},{"speaker":"RISA PECORARO","startTime":945.67,"endTime":947.87,"body":"But I think convenience"},{"speaker":"RISA PECORARO","startTime":945.67,"endTime":947.87,"body":"matters a lot."},{"speaker":"RISA PECORARO","startTime":947.87,"endTime":950.487,"body":"And I use this analogy"},{"speaker":"RISA PECORARO","startTime":947.87,"endTime":950.487,"body":"around peanut butter"},{"speaker":"RISA PECORARO","startTime":950.487,"endTime":951.32,"body":"and jelly and bread."},{"speaker":"RISA PECORARO","startTime":951.32,"endTime":953.98,"body":"Peanut butter and jelly are next"},{"speaker":"RISA PECORARO","startTime":951.32,"endTime":953.98,"body":"to each other in the grocery"},{"speaker":"RISA PECORARO","startTime":953.98,"endTime":954.545,"body":"store."},{"speaker":"RISA PECORARO","startTime":954.545,"endTime":956.92,"body":"The bread is in a totally"},{"speaker":"RISA PECORARO","startTime":954.545,"endTime":956.92,"body":"different aisle, which is fine."},{"speaker":"RISA PECORARO","startTime":956.92,"endTime":958.24,"body":"Still in the store, right?"},{"speaker":"RISA PECORARO","startTime":958.24,"endTime":960.79,"body":"But the way that we"},{"speaker":"RISA PECORARO","startTime":958.24,"endTime":960.79,"body":"distribute insurance"},{"speaker":"RISA PECORARO","startTime":960.79,"endTime":963.04,"body":"sometimes is that"},{"speaker":"RISA PECORARO","startTime":960.79,"endTime":963.04,"body":"we've got peanut butter"},{"speaker":"RISA PECORARO","startTime":963.04,"endTime":965.735,"body":"and jelly in one aisle,"},{"speaker":"RISA PECORARO","startTime":963.04,"endTime":965.735,"body":"and then they never"},{"speaker":"RISA PECORARO","startTime":965.735,"endTime":966.61,"body":"talk about the bread."},{"speaker":"RISA PECORARO","startTime":966.61,"endTime":967.75,"body":"It's not even close."},{"speaker":"RISA PECORARO","startTime":967.75,"endTime":969.7,"body":"Who knows, right?"},{"speaker":"RISA PECORARO","startTime":969.7,"endTime":972.91,"body":"So we've got to bring the"},{"speaker":"RISA PECORARO","startTime":969.7,"endTime":972.91,"body":"bread at least into the store"},{"speaker":"RISA PECORARO","startTime":972.91,"endTime":976.27,"body":"so that people can"},{"speaker":"RISA PECORARO","startTime":972.91,"endTime":976.27,"body":"bridge that gap of things"},{"speaker":"RISA PECORARO","startTime":976.27,"endTime":979.22,"body":"that they might need that"},{"speaker":"RISA PECORARO","startTime":976.27,"endTime":979.22,"body":"their broker might not have,"},{"speaker":"RISA PECORARO","startTime":979.22,"endTime":981.455,"body":"but it can at least"},{"speaker":"RISA PECORARO","startTime":979.22,"endTime":981.455,"body":"make a sandwich."},{"speaker":"BOBBIE COLLIES","startTime":981.455,"endTime":982.33,"body":"Yeah."},{"speaker":"BOBBIE COLLIES","startTime":982.33,"endTime":984.97,"body":"And I'll reflect on"},{"speaker":"BOBBIE COLLIES","startTime":982.33,"endTime":984.97,"body":"something I said earlier"},{"speaker":"BOBBIE COLLIES","startTime":984.97,"endTime":987.44,"body":"and expand on it a bit."},{"speaker":"BOBBIE COLLIES","startTime":987.44,"endTime":990.76,"body":"If you think about definition"},{"speaker":"BOBBIE COLLIES","startTime":987.44,"endTime":990.76,"body":"of relationship today--"},{"speaker":"BOBBIE COLLIES","startTime":990.76,"endTime":993.47,"body":"I feel like I have an excellent"},{"speaker":"BOBBIE COLLIES","startTime":990.76,"endTime":993.47,"body":"relationship with Amazon,"},{"speaker":"BOBBIE COLLIES","startTime":993.47,"endTime":996.43,"body":"and I never talked to a person"},{"speaker":"BOBBIE COLLIES","startTime":993.47,"endTime":996.43,"body":"there ever in my entire life."},{"speaker":"BOBBIE COLLIES","startTime":996.43,"endTime":998.2,"body":"But they've made"},{"speaker":"BOBBIE COLLIES","startTime":996.43,"endTime":998.2,"body":"my life so easy."},{"speaker":"BOBBIE COLLIES","startTime":998.2,"endTime":999.91,"body":"And I think we're"},{"speaker":"BOBBIE COLLIES","startTime":998.2,"endTime":999.91,"body":"just-- our expectations"},{"speaker":"BOBBIE COLLIES","startTime":999.91,"endTime":1002.07,"body":"of instant"},{"speaker":"BOBBIE COLLIES","startTime":999.91,"endTime":1002.07,"body":"gratification are there."},{"speaker":"BOBBIE COLLIES","startTime":1002.07,"endTime":1006.27,"body":"And so I think solving for"},{"speaker":"BOBBIE COLLIES","startTime":1002.07,"endTime":1006.27,"body":"those moments when we, again, we"},{"speaker":"BOBBIE COLLIES","startTime":1006.27,"endTime":1009.03,"body":"need to be there"},{"speaker":"BOBBIE COLLIES","startTime":1006.27,"endTime":1009.03,"body":"as a true person"},{"speaker":"BOBBIE COLLIES","startTime":1009.03,"endTime":1012.133,"body":"and talking to them versus"},{"speaker":"BOBBIE COLLIES","startTime":1009.03,"endTime":1012.133,"body":"having them do self service"},{"speaker":"BOBBIE COLLIES","startTime":1012.133,"endTime":1014.05,"body":"is going to be really"},{"speaker":"BOBBIE COLLIES","startTime":1012.133,"endTime":1014.05,"body":"important in the future."},{"speaker":"BOBBIE COLLIES","startTime":1014.05,"endTime":1018.0,"body":"And even if I compare"},{"speaker":"BOBBIE COLLIES","startTime":1014.05,"endTime":1018.0,"body":"the analogy to airlines--"},{"speaker":"BOBBIE COLLIES","startTime":1018.0,"endTime":1020.64,"body":"I book through my travel"},{"speaker":"BOBBIE COLLIES","startTime":1018.0,"endTime":1020.64,"body":"agency that my company forces"},{"speaker":"BOBBIE COLLIES","startTime":1020.64,"endTime":1022.56,"body":"me to use, and if I"},{"speaker":"BOBBIE COLLIES","startTime":1020.64,"endTime":1022.56,"body":"need to change my flight"},{"speaker":"BOBBIE COLLIES","startTime":1022.56,"endTime":1024.812,"body":"I have to call the travel"},{"speaker":"BOBBIE COLLIES","startTime":1022.56,"endTime":1024.812,"body":"agent to change my flight."},{"speaker":"BOBBIE COLLIES","startTime":1024.812,"endTime":1026.52,"body":"Or if I book directly"},{"speaker":"BOBBIE COLLIES","startTime":1024.812,"endTime":1026.52,"body":"through the airline"},{"speaker":"BOBBIE COLLIES","startTime":1026.52,"endTime":1028.079,"body":"I can just change it at a whim."},{"speaker":"BOBBIE COLLIES","startTime":1028.079,"endTime":1030.0,"body":"I would much rather"},{"speaker":"BOBBIE COLLIES","startTime":1028.079,"endTime":1030.0,"body":"just self service that."},{"speaker":"BOBBIE COLLIES","startTime":1030.0,"endTime":1032.553,"body":"So as a policyholder,"},{"speaker":"BOBBIE COLLIES","startTime":1030.0,"endTime":1032.553,"body":"what do they really"},{"speaker":"BOBBIE COLLIES","startTime":1032.553,"endTime":1034.47,"body":"want to self service,"},{"speaker":"BOBBIE COLLIES","startTime":1032.553,"endTime":1034.47,"body":"and where do they really"},{"speaker":"BOBBIE COLLIES","startTime":1034.47,"endTime":1036.661,"body":"want to talk to an agent"},{"speaker":"BOBBIE COLLIES","startTime":1034.47,"endTime":1036.661,"body":"or a licensed professional?"},{"speaker":"BOBBIE COLLIES","startTime":1036.661,"endTime":1039.119,"body":"And that's, I think, a big"},{"speaker":"BOBBIE COLLIES","startTime":1036.661,"endTime":1039.119,"body":"piece that we need to solve for."},{"speaker":"RISA PECORARO","startTime":1039.119,"endTime":1040.619,"body":"And you can"},{"speaker":"RISA PECORARO","startTime":1039.119,"endTime":1040.619,"body":"personalize that, right?"},{"speaker":"BOBBIE COLLIES","startTime":1040.619,"endTime":1040.8,"body":"Yeah."},{"speaker":"RISA PECORARO","startTime":1040.8,"endTime":1042.48,"body":"You"},{"speaker":"RISA PECORARO","startTime":1040.8,"endTime":1042.48,"body":"prefer to self service,"},{"speaker":"RISA PECORARO","startTime":1042.48,"endTime":1044.605,"body":"other people are going to"},{"speaker":"RISA PECORARO","startTime":1042.48,"endTime":1044.605,"body":"want to talk to an agent."},{"speaker":"RISA PECORARO","startTime":1044.605,"endTime":1046.5,"body":"That should be an"},{"speaker":"RISA PECORARO","startTime":1044.605,"endTime":1046.5,"body":"easy break off path."},{"speaker":"BOBBIE COLLIES","startTime":1046.5,"endTime":1047.333,"body":"Yes."},{"speaker":"MIKE ALBERT","startTime":1047.93,"endTime":1049.43,"body":"So one"},{"speaker":"MIKE ALBERT","startTime":1047.93,"endTime":1049.43,"body":"of the questions"},{"speaker":"MIKE ALBERT","startTime":1049.43,"endTime":1050.513,"body":"came up from the audience."},{"speaker":"MIKE ALBERT","startTime":1050.513,"endTime":1052.19,"body":"If we had this panel"},{"speaker":"MIKE ALBERT","startTime":1050.513,"endTime":1052.19,"body":"20 years from now,"},{"speaker":"MIKE ALBERT","startTime":1052.19,"endTime":1053.69,"body":"where do you think"},{"speaker":"MIKE ALBERT","startTime":1052.19,"endTime":1053.69,"body":"we're going to be"},{"speaker":"MIKE ALBERT","startTime":1053.69,"endTime":1054.86,"body":"when it comes to technology?"},{"speaker":"MIKE ALBERT","startTime":1054.86,"endTime":1056.485,"body":"How do you answer"},{"speaker":"MIKE ALBERT","startTime":1054.86,"endTime":1056.485,"body":"that question, Allan?"},{"speaker":"ALLAN EGBERT","startTime":1058.99,"endTime":1062.41,"body":"I hope"},{"speaker":"ALLAN EGBERT","startTime":1058.99,"endTime":1062.41,"body":"we've made more gains"},{"speaker":"ALLAN EGBERT","startTime":1062.41,"endTime":1064.96,"body":"than we made in the past"},{"speaker":"ALLAN EGBERT","startTime":1062.41,"endTime":1064.96,"body":"20 years to present."},{"speaker":"ALLAN EGBERT","startTime":1064.96,"endTime":1069.71,"body":"Because I don't think a"},{"speaker":"ALLAN EGBERT","startTime":1064.96,"endTime":1069.71,"body":"heck of a lot has changed."},{"speaker":"ALLAN EGBERT","startTime":1069.71,"endTime":1073.51,"body":"I think we need maybe"},{"speaker":"ALLAN EGBERT","startTime":1069.71,"endTime":1073.51,"body":"a better understanding"},{"speaker":"ALLAN EGBERT","startTime":1073.51,"endTime":1077.79,"body":"of the policyholder"},{"speaker":"ALLAN EGBERT","startTime":1073.51,"endTime":1077.79,"body":"as a customer."},{"speaker":"ALLAN EGBERT","startTime":1077.79,"endTime":1082.45,"body":"A recent experience for me"},{"speaker":"ALLAN EGBERT","startTime":1077.79,"endTime":1082.45,"body":"just re-upping my insurance"},{"speaker":"ALLAN EGBERT","startTime":1082.45,"endTime":1089.11,"body":"through a local agent after"},{"speaker":"ALLAN EGBERT","startTime":1082.45,"endTime":1089.11,"body":"a move, seeing the same forms"},{"speaker":"ALLAN EGBERT","startTime":1089.11,"endTime":1091.3,"body":"get emailed to me that"},{"speaker":"ALLAN EGBERT","startTime":1089.11,"endTime":1091.3,"body":"I have to fill out."},{"speaker":"ALLAN EGBERT","startTime":1091.3,"endTime":1095.8,"body":"And I'm not going to plug"},{"speaker":"ALLAN EGBERT","startTime":1091.3,"endTime":1095.8,"body":"that entity on this podcast"},{"speaker":"ALLAN EGBERT","startTime":1095.8,"endTime":1096.58,"body":"and those forms."},{"speaker":"ALLAN EGBERT","startTime":1096.58,"endTime":1100.39,"body":"But a lot of these things,"},{"speaker":"ALLAN EGBERT","startTime":1096.58,"endTime":1100.39,"body":"in terms of me as a customer,"},{"speaker":"ALLAN EGBERT","startTime":1100.39,"endTime":1103.068,"body":"should be sort of well known."},{"speaker":"ALLAN EGBERT","startTime":1103.068,"endTime":1104.86,"body":"Even if you did a quick"},{"speaker":"ALLAN EGBERT","startTime":1103.068,"endTime":1104.86,"body":"search of me online"},{"speaker":"ALLAN EGBERT","startTime":1104.86,"endTime":1108.31,"body":"you'd be able to answer"},{"speaker":"ALLAN EGBERT","startTime":1104.86,"endTime":1108.31,"body":"a lot of these questions"},{"speaker":"ALLAN EGBERT","startTime":1108.31,"endTime":1113.86,"body":"and using that data just"},{"speaker":"ALLAN EGBERT","startTime":1108.31,"endTime":1113.86,"body":"for better risk assessment."},{"speaker":"ALLAN EGBERT","startTime":1113.86,"endTime":1115.25,"body":"I want risk assessment."},{"speaker":"ALLAN EGBERT","startTime":1115.25,"endTime":1117.88,"body":"Price matters,"},{"speaker":"ALLAN EGBERT","startTime":1115.25,"endTime":1117.88,"body":"but I want to know"},{"speaker":"ALLAN EGBERT","startTime":1117.88,"endTime":1120.4,"body":"that I'm taken care of versus--"},{"speaker":"ALLAN EGBERT","startTime":1120.4,"endTime":1122.8,"body":"or I have everything I"},{"speaker":"ALLAN EGBERT","startTime":1120.4,"endTime":1122.8,"body":"need versus finding out"},{"speaker":"ALLAN EGBERT","startTime":1122.8,"endTime":1125.44,"body":"at the time of a claim"},{"speaker":"ALLAN EGBERT","startTime":1122.8,"endTime":1125.44,"body":"that it's like, oh, crap."},{"speaker":"ALLAN EGBERT","startTime":1125.44,"endTime":1129.73,"body":"You're not covered for that."},{"speaker":"ALLAN EGBERT","startTime":1129.73,"endTime":1132.73,"body":"I've been in this industry"},{"speaker":"ALLAN EGBERT","startTime":1129.73,"endTime":1132.73,"body":"working as a technology"},{"speaker":"ALLAN EGBERT","startTime":1132.73,"endTime":1134.29,"body":"person for a long"},{"speaker":"ALLAN EGBERT","startTime":1132.73,"endTime":1134.29,"body":"time, but I still"},{"speaker":"ALLAN EGBERT","startTime":1134.29,"endTime":1136.87,"body":"need risk assessment"},{"speaker":"ALLAN EGBERT","startTime":1134.29,"endTime":1136.87,"body":"and guidance."},{"speaker":"ALLAN EGBERT","startTime":1136.87,"endTime":1139.3,"body":"And that's the things that"},{"speaker":"ALLAN EGBERT","startTime":1136.87,"endTime":1139.3,"body":"are most important to me"},{"speaker":"ALLAN EGBERT","startTime":1139.3,"endTime":1144.94,"body":"as a policyholder for feeling"},{"speaker":"ALLAN EGBERT","startTime":1139.3,"endTime":1144.94,"body":"good about the policies"},{"speaker":"ALLAN EGBERT","startTime":1144.94,"endTime":1146.5,"body":"I carry."},{"speaker":"ALLAN EGBERT","startTime":1146.5,"endTime":1148.27,"body":"How would you answer"},{"speaker":"ALLAN EGBERT","startTime":1146.5,"endTime":1148.27,"body":"that question?"},{"speaker":"MIKE ALBERT","startTime":1148.27,"endTime":1150.02,"body":"Where"},{"speaker":"MIKE ALBERT","startTime":1148.27,"endTime":1150.02,"body":"will we be in 20 years?"},{"speaker":"MIKE ALBERT","startTime":1150.02,"endTime":1151.72,"body":"I'm a little more"},{"speaker":"MIKE ALBERT","startTime":1150.02,"endTime":1151.72,"body":"bullish than Allan is."},{"speaker":"MIKE ALBERT","startTime":1151.72,"endTime":1154.06,"body":"I think we've accomplished"},{"speaker":"MIKE ALBERT","startTime":1151.72,"endTime":1154.06,"body":"more in the last 20 years"},{"speaker":"MIKE ALBERT","startTime":1154.06,"endTime":1157.72,"body":"than maybe he gave"},{"speaker":"MIKE ALBERT","startTime":1154.06,"endTime":1157.72,"body":"full credit for."},{"speaker":"MIKE ALBERT","startTime":1157.72,"endTime":1158.98,"body":"A lot has changed."},{"speaker":"MIKE ALBERT","startTime":1158.98,"endTime":1160.91,"body":"We've still got a ton"},{"speaker":"MIKE ALBERT","startTime":1158.98,"endTime":1160.91,"body":"of room for improvement"},{"speaker":"MIKE ALBERT","startTime":1160.91,"endTime":1164.32,"body":"I think is my larger reflection."},{"speaker":"MIKE ALBERT","startTime":1164.32,"endTime":1166.51,"body":"I believe progress will"},{"speaker":"MIKE ALBERT","startTime":1164.32,"endTime":1166.51,"body":"be made incrementally."},{"speaker":"MIKE ALBERT","startTime":1166.51,"endTime":1168.91,"body":"I still go back to"},{"speaker":"MIKE ALBERT","startTime":1166.51,"endTime":1168.91,"body":"something I've said before."},{"speaker":"MIKE ALBERT","startTime":1168.91,"endTime":1170.41,"body":"I don't think it"},{"speaker":"MIKE ALBERT","startTime":1168.91,"endTime":1170.41,"body":"was on this podcast"},{"speaker":"MIKE ALBERT","startTime":1170.41,"endTime":1172.93,"body":"but on various"},{"speaker":"MIKE ALBERT","startTime":1170.41,"endTime":1172.93,"body":"panels and whatever."},{"speaker":"MIKE ALBERT","startTime":1172.93,"endTime":1176.74,"body":"The thing that everybody always"},{"speaker":"MIKE ALBERT","startTime":1172.93,"endTime":1176.74,"body":"kind of, for whatever reason,"},{"speaker":"MIKE ALBERT","startTime":1176.74,"endTime":1179.05,"body":"tends to drift to in their"},{"speaker":"MIKE ALBERT","startTime":1176.74,"endTime":1179.05,"body":"thinking on this question"},{"speaker":"MIKE ALBERT","startTime":1179.05,"endTime":1182.86,"body":"is around consolidation and"},{"speaker":"MIKE ALBERT","startTime":1179.05,"endTime":1182.86,"body":"whether there'd be one winner."},{"speaker":"MIKE ALBERT","startTime":1182.86,"endTime":1184.54,"body":"Or sort of the fear"},{"speaker":"MIKE ALBERT","startTime":1182.86,"endTime":1184.54,"body":"of Google entering"},{"speaker":"MIKE ALBERT","startTime":1184.54,"endTime":1187.15,"body":"the market or Amazon entering"},{"speaker":"MIKE ALBERT","startTime":1184.54,"endTime":1187.15,"body":"the market or Apple entering"},{"speaker":"MIKE ALBERT","startTime":1187.15,"endTime":1188.62,"body":"the market."},{"speaker":"MIKE ALBERT","startTime":1188.62,"endTime":1192.44,"body":"That's where you"},{"speaker":"MIKE ALBERT","startTime":1188.62,"endTime":1192.44,"body":"maybe start to miss"},{"speaker":"MIKE ALBERT","startTime":1192.44,"endTime":1193.69,"body":"what's really going to happen."},{"speaker":"MIKE ALBERT","startTime":1193.69,"endTime":1198.43,"body":"Insurance has always had a lot"},{"speaker":"MIKE ALBERT","startTime":1193.69,"endTime":1198.43,"body":"of folks in the value chain"},{"speaker":"MIKE ALBERT","startTime":1198.43,"endTime":1200.5,"body":"that add value."},{"speaker":"MIKE ALBERT","startTime":1200.5,"endTime":1204.533,"body":"It is a game of middlemen but"},{"speaker":"MIKE ALBERT","startTime":1200.5,"endTime":1204.533,"body":"not in a bad way, necessarily."},{"speaker":"MIKE ALBERT","startTime":1204.533,"endTime":1206.95,"body":"And I think that there's going"},{"speaker":"MIKE ALBERT","startTime":1204.533,"endTime":1206.95,"body":"to be incremental progress."},{"speaker":"MIKE ALBERT","startTime":1206.95,"endTime":1208.533,"body":"There has been and"},{"speaker":"MIKE ALBERT","startTime":1206.95,"endTime":1208.533,"body":"will continue to be"},{"speaker":"MIKE ALBERT","startTime":1208.533,"endTime":1211.57,"body":"incremental progress for"},{"speaker":"MIKE ALBERT","startTime":1208.533,"endTime":1211.57,"body":"everybody in terms of the tech."},{"speaker":"MIKE ALBERT","startTime":1211.57,"endTime":1213.94,"body":"In terms of their"},{"speaker":"MIKE ALBERT","startTime":1211.57,"endTime":1213.94,"body":"levels of service,"},{"speaker":"MIKE ALBERT","startTime":1213.94,"endTime":1217.54,"body":"in terms of what they're able"},{"speaker":"MIKE ALBERT","startTime":1213.94,"endTime":1217.54,"body":"to accomplish, how profitable"},{"speaker":"MIKE ALBERT","startTime":1217.54,"endTime":1219.55,"body":"they are, how well they"},{"speaker":"MIKE ALBERT","startTime":1217.54,"endTime":1219.55,"body":"serve the customers."},{"speaker":"MIKE ALBERT","startTime":1219.55,"endTime":1223.39,"body":"Everybody from"},{"speaker":"MIKE ALBERT","startTime":1219.55,"endTime":1223.39,"body":"the front line CSR"},{"speaker":"MIKE ALBERT","startTime":1223.39,"endTime":1227.5,"body":"at an agency to an underwriter"},{"speaker":"MIKE ALBERT","startTime":1223.39,"endTime":1227.5,"body":"to a principal at an agency"},{"speaker":"MIKE ALBERT","startTime":1227.5,"endTime":1229.93,"body":"is all going to have"},{"speaker":"MIKE ALBERT","startTime":1227.5,"endTime":1229.93,"body":"incrementally better tools"},{"speaker":"MIKE ALBERT","startTime":1229.93,"endTime":1231.16,"body":"in their management systems."},{"speaker":"MIKE ALBERT","startTime":1231.16,"endTime":1233.11,"body":"And new offerings"},{"speaker":"MIKE ALBERT","startTime":1231.16,"endTime":1233.11,"body":"that don't even"},{"speaker":"MIKE ALBERT","startTime":1233.11,"endTime":1237.58,"body":"exist right now that 20 years"},{"speaker":"MIKE ALBERT","startTime":1233.11,"endTime":1237.58,"body":"we'll look back and see there's"},{"speaker":"MIKE ALBERT","startTime":1237.58,"endTime":1240.46,"body":"still plenty more to tackle."},{"speaker":"ALLAN EGBERT","startTime":1240.46,"endTime":1242.28,"body":"That's a good take."},{"speaker":"ALLAN EGBERT","startTime":1242.28,"endTime":1245.91,"body":"Maybe the lesson here-- if"},{"speaker":"ALLAN EGBERT","startTime":1242.28,"endTime":1245.91,"body":"there's a venture capitalist"},{"speaker":"ALLAN EGBERT","startTime":1245.91,"endTime":1248.07,"body":"listening, you may want"},{"speaker":"ALLAN EGBERT","startTime":1245.91,"endTime":1248.07,"body":"to write this down--"},{"speaker":"ALLAN EGBERT","startTime":1248.07,"endTime":1251.64,"body":"that you can't give"},{"speaker":"ALLAN EGBERT","startTime":1248.07,"endTime":1251.64,"body":"someone an investment"},{"speaker":"ALLAN EGBERT","startTime":1251.64,"endTime":1254.46,"body":"and put a giant circle around"},{"speaker":"ALLAN EGBERT","startTime":1251.64,"endTime":1254.46,"body":"the entire insurance value"},{"speaker":"ALLAN EGBERT","startTime":1254.46,"endTime":1255.43,"body":"chain."},{"speaker":"ALLAN EGBERT","startTime":1255.43,"endTime":1259.17,"body":"Which you guys have attempted"},{"speaker":"ALLAN EGBERT","startTime":1255.43,"endTime":1259.17,"body":"to do for the past 10 years."},{"speaker":"MIKE ALBERT","startTime":1259.17,"endTime":1260.67,"body":"You"},{"speaker":"MIKE ALBERT","startTime":1259.17,"endTime":1260.67,"body":"can't pick a winner"},{"speaker":"MIKE ALBERT","startTime":1260.67,"endTime":1261.962,"body":"at something that's balkanized."},{"speaker":"MIKE ALBERT","startTime":1261.962,"endTime":1268.38,"body":"It's too complex, and the people"},{"speaker":"MIKE ALBERT","startTime":1261.962,"endTime":1268.38,"body":"in the industry are not dumb."},{"speaker":"MIKE ALBERT","startTime":1268.38,"endTime":1271.26,"body":"There's very savvy,"},{"speaker":"MIKE ALBERT","startTime":1268.38,"endTime":1271.26,"body":"sophisticated technologists,"},{"speaker":"MIKE ALBERT","startTime":1271.26,"endTime":1273.87,"body":"financial people, risk folks."},{"speaker":"MIKE ALBERT","startTime":1273.87,"endTime":1278.238,"body":"This is an undisruptable"},{"speaker":"MIKE ALBERT","startTime":1273.87,"endTime":1278.238,"body":"space, in a way."},{"speaker":"MIKE ALBERT","startTime":1278.238,"endTime":1279.28,"body":"There's money to be made."},{"speaker":"MIKE ALBERT","startTime":1279.28,"endTime":1280.53,"body":"There's tons of opportunity."},{"speaker":"MIKE ALBERT","startTime":1280.53,"endTime":1282.48,"body":"It's just not the"},{"speaker":"MIKE ALBERT","startTime":1280.53,"endTime":1282.48,"body":"somebody sweeps in"},{"speaker":"MIKE ALBERT","startTime":1282.48,"endTime":1285.96,"body":"and it takes the whole thing."},{"speaker":"AUDIENCE MEMBER","startTime":1285.96,"endTime":1289.532,"body":"If we had"},{"speaker":"AUDIENCE MEMBER","startTime":1285.96,"endTime":1289.532,"body":"this panel 20 years from now,"},{"speaker":"AUDIENCE MEMBER","startTime":1289.532,"endTime":1291.24,"body":"where do you think"},{"speaker":"AUDIENCE MEMBER","startTime":1289.532,"endTime":1291.24,"body":"we're going with this?"},{"speaker":"AUDIENCE MEMBER","startTime":1291.24,"endTime":1292.615,"body":"When it comes to"},{"speaker":"AUDIENCE MEMBER","startTime":1291.24,"endTime":1292.615,"body":"technology, when"},{"speaker":"AUDIENCE MEMBER","startTime":1292.615,"endTime":1294.18,"body":"it comes to"},{"speaker":"AUDIENCE MEMBER","startTime":1292.615,"endTime":1294.18,"body":"commercial lines, what"},{"speaker":"AUDIENCE MEMBER","startTime":1294.18,"endTime":1295.722,"body":"do you think will"},{"speaker":"AUDIENCE MEMBER","startTime":1294.18,"endTime":1295.722,"body":"be some of the most"},{"speaker":"AUDIENCE MEMBER","startTime":1295.722,"endTime":1297.3,"body":"exciting and"},{"speaker":"AUDIENCE MEMBER","startTime":1295.722,"endTime":1297.3,"body":"transformative things"},{"speaker":"AUDIENCE MEMBER","startTime":1297.3,"endTime":1299.217,"body":"that we'll be talking"},{"speaker":"AUDIENCE MEMBER","startTime":1297.3,"endTime":1299.217,"body":"about 20 years from now?"},{"speaker":"JOHN PEGNATO","startTime":1302.255,"endTime":1303.63,"body":"I"},{"speaker":"JOHN PEGNATO","startTime":1302.255,"endTime":1303.63,"body":"think integration"},{"speaker":"JOHN PEGNATO","startTime":1303.63,"endTime":1306.66,"body":"of artificial intelligence"},{"speaker":"JOHN PEGNATO","startTime":1303.63,"endTime":1306.66,"body":"and predictive analytics"},{"speaker":"JOHN PEGNATO","startTime":1306.66,"endTime":1309.75,"body":"in all these processes"},{"speaker":"JOHN PEGNATO","startTime":1306.66,"endTime":1309.75,"body":"that we've talked about."},{"speaker":"JOHN PEGNATO","startTime":1309.75,"endTime":1312.27,"body":"We're hearing about that"},{"speaker":"JOHN PEGNATO","startTime":1309.75,"endTime":1312.27,"body":"as a buzz word, I think,"},{"speaker":"JOHN PEGNATO","startTime":1312.27,"endTime":1314.34,"body":"in every industry."},{"speaker":"JOHN PEGNATO","startTime":1314.34,"endTime":1317.82,"body":"And it is something"},{"speaker":"JOHN PEGNATO","startTime":1314.34,"endTime":1317.82,"body":"that, in the insurance"},{"speaker":"JOHN PEGNATO","startTime":1317.82,"endTime":1323.64,"body":"companies I've worked at, were"},{"speaker":"JOHN PEGNATO","startTime":1317.82,"endTime":1323.64,"body":"taking tangible steps towards."},{"speaker":"JOHN PEGNATO","startTime":1323.64,"endTime":1326.11,"body":"So harnessing that power is"},{"speaker":"JOHN PEGNATO","startTime":1323.64,"endTime":1326.11,"body":"going to be really interesting."},{"speaker":"JOHN PEGNATO","startTime":1326.11,"endTime":1328.735,"body":"I am not the person smart enough"},{"speaker":"JOHN PEGNATO","startTime":1326.11,"endTime":1328.735,"body":"to explain to you how the hell"},{"speaker":"JOHN PEGNATO","startTime":1328.735,"endTime":1329.43,"body":"that works."},{"speaker":"JOHN PEGNATO","startTime":1329.43,"endTime":1332.64,"body":"But that, to me, is the"},{"speaker":"JOHN PEGNATO","startTime":1329.43,"endTime":1332.64,"body":"really exciting thing."},{"speaker":"JOHN PEGNATO","startTime":1332.64,"endTime":1336.387,"body":"Integrating those capabilities"},{"speaker":"JOHN PEGNATO","startTime":1332.64,"endTime":1336.387,"body":"into our processes."},{"speaker":"RISA PECORARO","startTime":1336.387,"endTime":1338.22,"body":"So,"},{"speaker":"RISA PECORARO","startTime":1336.387,"endTime":1338.22,"body":"related, but a little bit"},{"speaker":"RISA PECORARO","startTime":1338.22,"endTime":1341.22,"body":"of a different twist, I"},{"speaker":"RISA PECORARO","startTime":1338.22,"endTime":1341.22,"body":"think the impact of cyber."},{"speaker":"RISA PECORARO","startTime":1341.22,"endTime":1343.74,"body":"I'm really interested"},{"speaker":"RISA PECORARO","startTime":1341.22,"endTime":1343.74,"body":"to see how cyber impacts"},{"speaker":"RISA PECORARO","startTime":1343.74,"endTime":1346.89,"body":"the industry overall in terms"},{"speaker":"RISA PECORARO","startTime":1343.74,"endTime":1346.89,"body":"of underwriting aggregation, how"},{"speaker":"RISA PECORARO","startTime":1346.89,"endTime":1349.2,"body":"we talk about risk"},{"speaker":"RISA PECORARO","startTime":1346.89,"endTime":1349.2,"body":"versus the physical risk,"},{"speaker":"RISA PECORARO","startTime":1349.2,"endTime":1353.44,"body":"versus risk that you"},{"speaker":"RISA PECORARO","startTime":1349.2,"endTime":1353.44,"body":"can't see, necessarily."},{"speaker":"RISA PECORARO","startTime":1353.44,"endTime":1357.39,"body":"And how personal behavior,"},{"speaker":"RISA PECORARO","startTime":1353.44,"endTime":1357.39,"body":"personal activities"},{"speaker":"RISA PECORARO","startTime":1357.39,"endTime":1360.45,"body":"could translate to commercial"},{"speaker":"RISA PECORARO","startTime":1357.39,"endTime":1360.45,"body":"risk because there's so much"},{"speaker":"RISA PECORARO","startTime":1360.45,"endTime":1362.13,"body":"that's happening now."},{"speaker":"RISA PECORARO","startTime":1362.13,"endTime":1366.21,"body":"There's a blend that didn't"},{"speaker":"RISA PECORARO","startTime":1362.13,"endTime":1366.21,"body":"used to happen before,"},{"speaker":"RISA PECORARO","startTime":1366.21,"endTime":1370.86,"body":"but also a wisdom"},{"speaker":"RISA PECORARO","startTime":1366.21,"endTime":1370.86,"body":"from people who"},{"speaker":"RISA PECORARO","startTime":1370.86,"endTime":1376.53,"body":"are threat actors that they"},{"speaker":"RISA PECORARO","startTime":1370.86,"endTime":1376.53,"body":"can penetrate businesses"},{"speaker":"RISA PECORARO","startTime":1376.53,"endTime":1378.653,"body":"through individuals."},{"speaker":"BOBBIE COLLIES","startTime":1378.653,"endTime":1380.07,"body":"And cyber is going"},{"speaker":"BOBBIE COLLIES","startTime":1380.07,"endTime":1383.37,"body":"to have a big impact to revenue"},{"speaker":"BOBBIE COLLIES","startTime":1380.07,"endTime":1383.37,"body":"streams within our industry"},{"speaker":"BOBBIE COLLIES","startTime":1383.37,"endTime":1386.59,"body":"and how that feeds into how we"},{"speaker":"BOBBIE COLLIES","startTime":1383.37,"endTime":1386.59,"body":"all make money moving forward."},{"speaker":"BOBBIE COLLIES","startTime":1386.59,"endTime":1388.44,"body":"So that's a really"},{"speaker":"BOBBIE COLLIES","startTime":1386.59,"endTime":1388.44,"body":"good point, Risa."},{"speaker":"BOBBIE COLLIES","startTime":1388.44,"endTime":1391.8,"body":"I think, kind of piling"},{"speaker":"BOBBIE COLLIES","startTime":1388.44,"endTime":1391.8,"body":"on what John said,"},{"speaker":"BOBBIE COLLIES","startTime":1391.8,"endTime":1396.0,"body":"is if you think about how"},{"speaker":"BOBBIE COLLIES","startTime":1391.8,"endTime":1396.0,"body":"predictive modeling impacted"},{"speaker":"BOBBIE COLLIES","startTime":1396.0,"endTime":1399.18,"body":"underwriting 10, 15"},{"speaker":"BOBBIE COLLIES","startTime":1396.0,"endTime":1399.18,"body":"years ago and how"},{"speaker":"BOBBIE COLLIES","startTime":1399.18,"endTime":1401.58,"body":"that kind of transformed"},{"speaker":"BOBBIE COLLIES","startTime":1399.18,"endTime":1401.58,"body":"how do we price a risk."},{"speaker":"BOBBIE COLLIES","startTime":1401.58,"endTime":1404.49,"body":"I think predictive modeling"},{"speaker":"BOBBIE COLLIES","startTime":1401.58,"endTime":1404.49,"body":"around a lot of other things"},{"speaker":"BOBBIE COLLIES","startTime":1404.49,"endTime":1407.55,"body":"is going to really impact"},{"speaker":"BOBBIE COLLIES","startTime":1404.49,"endTime":1407.55,"body":"the future of our industry."},{"speaker":"BOBBIE COLLIES","startTime":1407.55,"endTime":1410.55,"body":"Now that said,"},{"speaker":"BOBBIE COLLIES","startTime":1407.55,"endTime":1410.55,"body":"you said 20 years?"},{"speaker":"BOBBIE COLLIES","startTime":1410.55,"endTime":1412.44,"body":"Seven years ago I was"},{"speaker":"BOBBIE COLLIES","startTime":1410.55,"endTime":1412.44,"body":"sitting at a table"},{"speaker":"BOBBIE COLLIES","startTime":1412.44,"endTime":1415.47,"body":"talking about how are autonomous"},{"speaker":"BOBBIE COLLIES","startTime":1412.44,"endTime":1415.47,"body":"vehicles going to impact"},{"speaker":"BOBBIE COLLIES","startTime":1415.47,"endTime":1416.82,"body":"the P\u0026C revenue stream."},{"speaker":"BOBBIE COLLIES","startTime":1416.82,"endTime":1418.32,"body":"And here we sit"},{"speaker":"BOBBIE COLLIES","startTime":1416.82,"endTime":1418.32,"body":"today, and have they"},{"speaker":"BOBBIE COLLIES","startTime":1418.32,"endTime":1419.58,"body":"really impacted us that much?"},{"speaker":"BOBBIE COLLIES","startTime":1419.58,"endTime":1420.73,"body":"No."},{"speaker":"BOBBIE COLLIES","startTime":1420.73,"endTime":1423.45,"body":"And as I said earlier,"},{"speaker":"BOBBIE COLLIES","startTime":1420.73,"endTime":1423.45,"body":"we change slow."},{"speaker":"BOBBIE COLLIES","startTime":1423.45,"endTime":1424.98,"body":"As fast as we want to go--"},{"speaker":"BOBBIE COLLIES","startTime":1424.98,"endTime":1427.02,"body":"I'm a really, really"},{"speaker":"BOBBIE COLLIES","startTime":1424.98,"endTime":1427.02,"body":"impatient person."},{"speaker":"BOBBIE COLLIES","startTime":1427.02,"endTime":1429.03,"body":"And as fast as I want"},{"speaker":"BOBBIE COLLIES","startTime":1427.02,"endTime":1429.03,"body":"things to change,"},{"speaker":"BOBBIE COLLIES","startTime":1429.03,"endTime":1430.6,"body":"they don't change very fast."},{"speaker":"BOBBIE COLLIES","startTime":1430.6,"endTime":1433.53,"body":"So I think we'll be talking"},{"speaker":"BOBBIE COLLIES","startTime":1430.6,"endTime":1433.53,"body":"about more of the same things"},{"speaker":"BOBBIE COLLIES","startTime":1433.53,"endTime":1434.978,"body":"10, 20 years from now."},{"speaker":"BOBBIE COLLIES","startTime":1434.978,"endTime":1437.52,"body":"But we'll just have more data,"},{"speaker":"BOBBIE COLLIES","startTime":1434.978,"endTime":1437.52,"body":"more sophistication around it."},{"speaker":"BOBBIE COLLIES","startTime":1437.52,"endTime":1438.937,"body":"But I don't think"},{"speaker":"BOBBIE COLLIES","startTime":1437.52,"endTime":1438.937,"body":"it's going to be"},{"speaker":"BOBBIE COLLIES","startTime":1438.937,"endTime":1440.73,"body":"a huge dramatic change"},{"speaker":"BOBBIE COLLIES","startTime":1438.937,"endTime":1440.73,"body":"in the discussions"},{"speaker":"BOBBIE COLLIES","startTime":1440.73,"endTime":1441.82,"body":"that we're talking about."},{"speaker":"BOBBIE COLLIES","startTime":1441.82,"endTime":1443.31,"body":"We might be talking"},{"speaker":"BOBBIE COLLIES","startTime":1441.82,"endTime":1443.31,"body":"about middle market"},{"speaker":"BOBBIE COLLIES","startTime":1443.31,"endTime":1445.32,"body":"commercial and how technology"},{"speaker":"BOBBIE COLLIES","startTime":1443.31,"endTime":1445.32,"body":"has really impacted it."},{"speaker":"JOHN PEGNATO","startTime":1445.32,"endTime":1446.16,"body":"That could be it."},{"speaker":"JOHN PEGNATO","startTime":1446.16,"endTime":1448.95,"body":"And how that's trending towards"},{"speaker":"JOHN PEGNATO","startTime":1446.16,"endTime":1448.95,"body":"personal lines at that point,"},{"speaker":"JOHN PEGNATO","startTime":1448.95,"endTime":1449.45,"body":"right?"},{"speaker":"BOBBIE COLLIES","startTime":1449.45,"endTime":1449.556,"body":"Yes."},{"speaker":"BOBBIE COLLIES","startTime":1449.556,"endTime":1449.61,"body":"Yes."},{"speaker":"JOHN PEGNATO","startTime":1449.61,"endTime":1450.75,"body":"Yeah, exactly."},{"speaker":"TAIRA MANDY","startTime":1450.75,"endTime":1451.708,"body":"All right."},{"speaker":"TAIRA MANDY","startTime":1451.708,"endTime":1455.01,"body":"I want to get some final"},{"speaker":"TAIRA MANDY","startTime":1451.708,"endTime":1455.01,"body":"thoughts before we wrap."},{"speaker":"TAIRA MANDY","startTime":1455.01,"endTime":1458.79,"body":"So in closing, what is"},{"speaker":"TAIRA MANDY","startTime":1455.01,"endTime":1458.79,"body":"the one theme or idea"},{"speaker":"TAIRA MANDY","startTime":1458.79,"endTime":1461.28,"body":"that we've talked about"},{"speaker":"TAIRA MANDY","startTime":1458.79,"endTime":1461.28,"body":"today that when people"},{"speaker":"TAIRA MANDY","startTime":1461.28,"endTime":1463.56,"body":"leave this room you hope"},{"speaker":"TAIRA MANDY","startTime":1461.28,"endTime":1463.56,"body":"our industry is still"},{"speaker":"TAIRA MANDY","startTime":1463.56,"endTime":1464.81,"body":"thinking about?"},{"speaker":"TAIRA MANDY","startTime":1464.81,"endTime":1466.56,"body":"And, John, we'll start"},{"speaker":"TAIRA MANDY","startTime":1464.81,"endTime":1466.56,"body":"with you this time."},{"speaker":"JOHN PEGNATO","startTime":1468.868,"endTime":1469.66,"body":"Data."},{"speaker":"JOHN PEGNATO","startTime":1469.66,"endTime":1470.62,"body":"How do we process it?"},{"speaker":"JOHN PEGNATO","startTime":1470.62,"endTime":1471.59,"body":"How do we automate it?"},{"speaker":"JOHN PEGNATO","startTime":1471.59,"endTime":1475.75,"body":"How do we use it faster to"},{"speaker":"JOHN PEGNATO","startTime":1471.59,"endTime":1475.75,"body":"learn as quickly as possible?"},{"speaker":"JOHN PEGNATO","startTime":1475.75,"endTime":1479.23,"body":"To me, that's what we're"},{"speaker":"JOHN PEGNATO","startTime":1475.75,"endTime":1479.23,"body":"trying to do every day."},{"speaker":"JOHN PEGNATO","startTime":1479.23,"endTime":1481.81,"body":"And the more we learn,"},{"speaker":"JOHN PEGNATO","startTime":1479.23,"endTime":1481.81,"body":"even if it's bad stuff,"},{"speaker":"JOHN PEGNATO","startTime":1481.81,"endTime":1484.15,"body":"even if it's failure,"},{"speaker":"JOHN PEGNATO","startTime":1481.81,"endTime":1484.15,"body":"I think that's OK."},{"speaker":"JOHN PEGNATO","startTime":1484.15,"endTime":1486.31,"body":"And I think, to Bobbie's"},{"speaker":"JOHN PEGNATO","startTime":1484.15,"endTime":1486.31,"body":"point, the industry"},{"speaker":"JOHN PEGNATO","startTime":1486.31,"endTime":1488.83,"body":"needs to get a little bit"},{"speaker":"JOHN PEGNATO","startTime":1486.31,"endTime":1488.83,"body":"more comfortable with that"},{"speaker":"JOHN PEGNATO","startTime":1488.83,"endTime":1491.38,"body":"just as a whole."},{"speaker":"TAIRA MANDY","startTime":1491.38,"endTime":1492.22,"body":"Risa."},{"speaker":"RISA PECORARO","startTime":1492.22,"endTime":1495.033,"body":"I think"},{"speaker":"RISA PECORARO","startTime":1492.22,"endTime":1495.033,"body":"about the top of the funnel."},{"speaker":"RISA PECORARO","startTime":1495.033,"endTime":1496.45,"body":"You build these"},{"speaker":"RISA PECORARO","startTime":1495.033,"endTime":1496.45,"body":"products, but then"},{"speaker":"RISA PECORARO","startTime":1496.45,"endTime":1499.302,"body":"how do you get people"},{"speaker":"RISA PECORARO","startTime":1496.45,"endTime":1499.302,"body":"into the product?"},{"speaker":"BOBBIE COLLIES","startTime":1499.302,"endTime":1501.01,"body":"I'll"},{"speaker":"BOBBIE COLLIES","startTime":1499.302,"endTime":1501.01,"body":"go back to something"},{"speaker":"BOBBIE COLLIES","startTime":1501.01,"endTime":1502.36,"body":"I said earlier, Taira."},{"speaker":"BOBBIE COLLIES","startTime":1502.36,"endTime":1505.06,"body":"I think we, collectively"},{"speaker":"BOBBIE COLLIES","startTime":1502.36,"endTime":1505.06,"body":"as an industry,"},{"speaker":"BOBBIE COLLIES","startTime":1505.06,"endTime":1509.47,"body":"have solved for every single"},{"speaker":"BOBBIE COLLIES","startTime":1505.06,"endTime":1509.47,"body":"relevant problem that we can."},{"speaker":"BOBBIE COLLIES","startTime":1509.47,"endTime":1511.99,"body":"So how do we start to take"},{"speaker":"BOBBIE COLLIES","startTime":1509.47,"endTime":1511.99,"body":"all of these solutions"},{"speaker":"BOBBIE COLLIES","startTime":1511.99,"endTime":1513.84,"body":"that we've developed"},{"speaker":"BOBBIE COLLIES","startTime":1511.99,"endTime":1513.84,"body":"in the industry"},{"speaker":"BOBBIE COLLIES","startTime":1513.84,"endTime":1514.84,"body":"and bring them together?"},{"speaker":"MIKE ALBERT","startTime":1516.585,"endTime":1518.46,"body":"Great,"},{"speaker":"MIKE ALBERT","startTime":1516.585,"endTime":1518.46,"body":"great panel we just heard"},{"speaker":"MIKE ALBERT","startTime":1518.46,"endTime":1522.27,"body":"from InsurTech Boston 2022."},{"speaker":"MIKE ALBERT","startTime":1522.27,"endTime":1526.14,"body":"Needless to say, there will"},{"speaker":"MIKE ALBERT","startTime":1522.27,"endTime":1526.14,"body":"be an InsurTech Boston 2023."},{"speaker":"MIKE ALBERT","startTime":1526.14,"endTime":1527.813,"body":"Allan, tell us about it."},{"speaker":"ALLAN EGBERT","startTime":1527.813,"endTime":1529.23,"body":"Well,"},{"speaker":"ALLAN EGBERT","startTime":1527.813,"endTime":1529.23,"body":"I think you're"},{"speaker":"ALLAN EGBERT","startTime":1529.23,"endTime":1532.47,"body":"going to see a lot of the same."},{"speaker":"ALLAN EGBERT","startTime":1532.47,"endTime":1536.25,"body":"I think you'll see"},{"speaker":"ALLAN EGBERT","startTime":1532.47,"endTime":1536.25,"body":"some new companies,"},{"speaker":"ALLAN EGBERT","startTime":1536.25,"endTime":1539.43,"body":"some new startups"},{"speaker":"ALLAN EGBERT","startTime":1536.25,"endTime":1539.43,"body":"take the stage."},{"speaker":"ALLAN EGBERT","startTime":1539.43,"endTime":1541.86,"body":"Maybe pressing some"},{"speaker":"ALLAN EGBERT","startTime":1539.43,"endTime":1541.86,"body":"of these topics"},{"speaker":"ALLAN EGBERT","startTime":1541.86,"endTime":1546.54,"body":"we were talking about where"},{"speaker":"ALLAN EGBERT","startTime":1541.86,"endTime":1546.54,"body":"we're going into the future."},{"speaker":"ALLAN EGBERT","startTime":1546.54,"endTime":1552.24,"body":"Again, some hopefully high"},{"speaker":"ALLAN EGBERT","startTime":1546.54,"endTime":1552.24,"body":"quality panel content again."},{"speaker":"ALLAN EGBERT","startTime":1552.24,"endTime":1556.02,"body":"And a lot of social"},{"speaker":"ALLAN EGBERT","startTime":1552.24,"endTime":1556.02,"body":"networking, which people"},{"speaker":"ALLAN EGBERT","startTime":1556.02,"endTime":1557.49,"body":"really love and enjoy."},{"speaker":"ALLAN EGBERT","startTime":1557.49,"endTime":1561.09,"body":"Maybe we should do a part"},{"speaker":"ALLAN EGBERT","startTime":1557.49,"endTime":1561.09,"body":"three take over podcast just"},{"speaker":"ALLAN EGBERT","startTime":1561.09,"endTime":1562.86,"body":"on the open bar segment."},{"speaker":"ALLAN EGBERT","startTime":1562.86,"endTime":1565.05,"body":"Or maybe not."},{"speaker":"ALLAN EGBERT","startTime":1565.05,"endTime":1566.34,"body":"Christen's nodding no."},{"speaker":"ALLAN EGBERT","startTime":1566.34,"endTime":1567.27,"body":"That's fine."},{"speaker":"ALLAN EGBERT","startTime":1567.27,"endTime":1569.88,"body":"But it's a combination."},{"speaker":"ALLAN EGBERT","startTime":1569.88,"endTime":1571.86,"body":"Hopefully you learn"},{"speaker":"ALLAN EGBERT","startTime":1569.88,"endTime":1571.86,"body":"a little something,"},{"speaker":"ALLAN EGBERT","startTime":1571.86,"endTime":1573.43,"body":"meet some new people."},{"speaker":"ALLAN EGBERT","startTime":1573.43,"endTime":1576.9,"body":"And you've got"},{"speaker":"ALLAN EGBERT","startTime":1573.43,"endTime":1576.9,"body":"opinions about what"},{"speaker":"ALLAN EGBERT","startTime":1576.9,"endTime":1578.4,"body":"you want to see at"},{"speaker":"ALLAN EGBERT","startTime":1576.9,"endTime":1578.4,"body":"InsurTech Boston,"},{"speaker":"ALLAN EGBERT","startTime":1578.4,"endTime":1580.55,"body":"and you keep coming back."},{"speaker":"MIKE ALBERT","startTime":1580.55,"endTime":1582.62,"body":"We've gotten"},{"speaker":"MIKE ALBERT","startTime":1580.55,"endTime":1582.62,"body":"some good feedback."},{"speaker":"MIKE ALBERT","startTime":1582.62,"endTime":1586.01,"body":"If you have it-- whether it's"},{"speaker":"MIKE ALBERT","startTime":1582.62,"endTime":1586.01,"body":"positive or it's negative--"},{"speaker":"MIKE ALBERT","startTime":1586.01,"endTime":1588.74,"body":"please get it in our hands."},{"speaker":"MIKE ALBERT","startTime":1588.74,"endTime":1591.38,"body":"We care deeply about this event."},{"speaker":"MIKE ALBERT","startTime":1591.38,"endTime":1593.87,"body":"Like I said, the last time"},{"speaker":"MIKE ALBERT","startTime":1591.38,"endTime":1593.87,"body":"we did one of these podcasts,"},{"speaker":"MIKE ALBERT","startTime":1593.87,"endTime":1595.94,"body":"I think this is the"},{"speaker":"MIKE ALBERT","startTime":1593.87,"endTime":1595.94,"body":"seventh one we've done."},{"speaker":"MIKE ALBERT","startTime":1595.94,"endTime":1597.44,"body":"We want to keep"},{"speaker":"MIKE ALBERT","startTime":1595.94,"endTime":1597.44,"body":"doing them, and we"},{"speaker":"MIKE ALBERT","startTime":1597.44,"endTime":1599.912,"body":"want people to keep coming"},{"speaker":"MIKE ALBERT","startTime":1597.44,"endTime":1599.912,"body":"back and having a good time"},{"speaker":"MIKE ALBERT","startTime":1599.912,"endTime":1600.87,"body":"and learning something."},{"speaker":"MIKE ALBERT","startTime":1600.87,"endTime":1602.99,"body":"So do not be shy."},{"speaker":"MIKE ALBERT","startTime":1602.99,"endTime":1605.302,"body":"Let us know what's working,"},{"speaker":"MIKE ALBERT","startTime":1602.99,"endTime":1605.302,"body":"what's not working,"},{"speaker":"MIKE ALBERT","startTime":1605.302,"endTime":1606.51,"body":"and keep the feedback coming."},{"speaker":"MIKE ALBERT","startTime":1606.51,"endTime":1608.552,"body":"Like I said, we've gotten"},{"speaker":"MIKE ALBERT","startTime":1606.51,"endTime":1608.552,"body":"some good stuff so far,"},{"speaker":"MIKE ALBERT","startTime":1608.552,"endTime":1610.402,"body":"but it is our intention"},{"speaker":"MIKE ALBERT","startTime":1608.552,"endTime":1610.402,"body":"to do this again"},{"speaker":"MIKE ALBERT","startTime":1610.402,"endTime":1611.36,"body":"and to do better at it."},{"speaker":"MIKE ALBERT","startTime":1611.36,"endTime":1614.18,"body":"And to keep getting better at"},{"speaker":"MIKE ALBERT","startTime":1611.36,"endTime":1614.18,"body":"it and keep evolving this thing"},{"speaker":"MIKE ALBERT","startTime":1614.18,"endTime":1616.08,"body":"to be more and to be better."},{"speaker":"MIKE ALBERT","startTime":1616.08,"endTime":1618.013,"body":"So I appreciate any"},{"speaker":"MIKE ALBERT","startTime":1616.08,"endTime":1618.013,"body":"thoughts you have on that."},{"speaker":"ALLAN EGBERT","startTime":1618.013,"endTime":1619.43,"body":"That's a good point."},{"speaker":"ALLAN EGBERT","startTime":1619.43,"endTime":1621.77,"body":"Positive feedback you"},{"speaker":"ALLAN EGBERT","startTime":1619.43,"endTime":1621.77,"body":"could send to Allan."},{"speaker":"ALLAN EGBERT","startTime":1621.77,"endTime":1624.92,"body":"Negative feedback, you can"},{"speaker":"ALLAN EGBERT","startTime":1621.77,"endTime":1624.92,"body":"send all of that to Mike,"},{"speaker":"ALLAN EGBERT","startTime":1624.92,"endTime":1628.16,"body":"and we will listen to all of it."},{"speaker":"ALLAN EGBERT","startTime":1628.16,"endTime":1631.13,"body":"Praise you could"},{"speaker":"ALLAN EGBERT","startTime":1628.16,"endTime":1631.13,"body":"also send to me."},{"speaker":"MIKE ALBERT","startTime":1631.13,"endTime":1633.02,"body":"Adulation."},{"speaker":"ALLAN EGBERT","startTime":1633.02,"endTime":1634.1,"body":"Adulation."},{"speaker":"ALLAN EGBERT","startTime":1634.1,"endTime":1635.1,"body":"Positive feedback."},{"speaker":"ALLAN EGBERT","startTime":1635.1,"endTime":1636.0,"body":"Positive vibes."},{"speaker":"MIKE ALBERT","startTime":1636.0,"endTime":1638.08,"body":"There you go."}]}