{"version":"1.0.0","segments":[{"speaker":"NICK ZERBIB","startTime":0.5,"endTime":3.26,"body":"I thought"},{"speaker":"NICK ZERBIB","startTime":0.5,"endTime":3.26,"body":"seriously about teaching"},{"speaker":"NICK ZERBIB","startTime":3.26,"endTime":4.43,"body":"coming out of college."},{"speaker":"NICK ZERBIB","startTime":4.43,"endTime":7.28,"body":"Instead, I went to investment"},{"speaker":"NICK ZERBIB","startTime":4.43,"endTime":7.28,"body":"banking, so go figure."},{"speaker":"NICK ZERBIB","startTime":7.28,"endTime":10.64,"body":"But I think I would"},{"speaker":"NICK ZERBIB","startTime":7.28,"endTime":10.64,"body":"seriously consider"},{"speaker":"NICK ZERBIB","startTime":10.64,"endTime":13.34,"body":"Teach for America, which"},{"speaker":"NICK ZERBIB","startTime":10.64,"endTime":13.34,"body":"is a great program which"},{"speaker":"NICK ZERBIB","startTime":13.34,"endTime":13.94,"body":"still exists."},{"speaker":"NICK ZERBIB","startTime":13.94,"endTime":16.62,"body":"[MUSIC PLAYING]"},{"speaker":"SPEAKER 1","startTime":16.62,"endTime":18.92,"body":"This is the"},{"speaker":"SPEAKER 1","startTime":16.62,"endTime":18.92,"body":"Insurance Technology Podcast,"},{"speaker":"SPEAKER 1","startTime":18.92,"endTime":20.42,"body":"where we bring"},{"speaker":"SPEAKER 1","startTime":18.92,"endTime":20.42,"body":"interesting people"},{"speaker":"SPEAKER 1","startTime":20.42,"endTime":22.19,"body":"from across the"},{"speaker":"SPEAKER 1","startTime":20.42,"endTime":22.19,"body":"insurance ecosystem"},{"speaker":"SPEAKER 1","startTime":22.19,"endTime":23.81,"body":"to discuss and"},{"speaker":"SPEAKER 1","startTime":22.19,"endTime":23.81,"body":"debate technology's"},{"speaker":"SPEAKER 1","startTime":23.81,"endTime":25.5,"body":"impact on the industry."},{"speaker":"SPEAKER 1","startTime":25.5,"endTime":28.34,"body":"Join us each episode for"},{"speaker":"SPEAKER 1","startTime":25.5,"endTime":28.34,"body":"insights and best practices"},{"speaker":"SPEAKER 1","startTime":28.34,"endTime":30.8,"body":"from industry stewards"},{"speaker":"SPEAKER 1","startTime":28.34,"endTime":30.8,"body":"and tomorrow's innovators."},{"speaker":"SPEAKER 1","startTime":30.8,"endTime":33.95,"body":"[MUSIC PLAYING]"},{"speaker":"SPEAKER 2","startTime":34.903,"endTime":36.32,"body":"Well,"},{"speaker":"SPEAKER 2","startTime":34.903,"endTime":36.32,"body":"welcome everyone."},{"speaker":"SPEAKER 2","startTime":36.32,"endTime":40.34,"body":"And today we have someone"},{"speaker":"SPEAKER 2","startTime":36.32,"endTime":40.34,"body":"new in our hot seat."},{"speaker":"SPEAKER 2","startTime":40.34,"endTime":44.15,"body":"Today I am welcoming Nick"},{"speaker":"SPEAKER 2","startTime":40.34,"endTime":44.15,"body":"Zerbib, the Chief Investment"},{"speaker":"SPEAKER 2","startTime":44.15,"endTime":46.58,"body":"Officer at Stone Point Capital."},{"speaker":"SPEAKER 2","startTime":46.58,"endTime":48.54,"body":"Nick, welcome to the show."},{"speaker":"NICK ZERBIB","startTime":48.54,"endTime":50.07,"body":"Good morning."},{"speaker":"NICK ZERBIB","startTime":50.07,"endTime":51.658,"body":"Thanks for having me."},{"speaker":"SPEAKER 2","startTime":51.658,"endTime":52.95,"body":"No, it's a pleasure."},{"speaker":"SPEAKER 2","startTime":52.95,"endTime":57.77,"body":"And as guests before"},{"speaker":"SPEAKER 2","startTime":52.95,"endTime":57.77,"body":"you have learned,"},{"speaker":"SPEAKER 2","startTime":57.77,"endTime":60.8,"body":"we like to get to know"},{"speaker":"SPEAKER 2","startTime":57.77,"endTime":60.8,"body":"people a little bit more"},{"speaker":"SPEAKER 2","startTime":60.8,"endTime":63.8,"body":"on a personal level before"},{"speaker":"SPEAKER 2","startTime":60.8,"endTime":63.8,"body":"we dive into the InsurTech"},{"speaker":"SPEAKER 2","startTime":63.8,"endTime":64.67,"body":"interview with Reid."},{"speaker":"SPEAKER 2","startTime":64.67,"endTime":68.72,"body":"So today I'm going to be"},{"speaker":"SPEAKER 2","startTime":64.67,"endTime":68.72,"body":"asking a little bit about you."},{"speaker":"NICK ZERBIB","startTime":68.72,"endTime":69.77,"body":"Awesome."},{"speaker":"SPEAKER 2","startTime":69.77,"endTime":73.49,"body":"So first"},{"speaker":"SPEAKER 2","startTime":69.77,"endTime":73.49,"body":"question-- favorite movie."},{"speaker":"NICK ZERBIB","startTime":73.49,"endTime":74.99,"body":"That"},{"speaker":"NICK ZERBIB","startTime":73.49,"endTime":74.99,"body":"is an easy one."},{"speaker":"NICK ZERBIB","startTime":74.99,"endTime":76.43,"body":"That would be Fletch."},{"speaker":"NICK ZERBIB","startTime":76.43,"endTime":78.62,"body":"And I'm dating"},{"speaker":"NICK ZERBIB","startTime":76.43,"endTime":78.62,"body":"myself, but I think"},{"speaker":"NICK ZERBIB","startTime":78.62,"endTime":81.11,"body":"it's the only movie that"},{"speaker":"NICK ZERBIB","startTime":78.62,"endTime":81.11,"body":"you can watch three times"},{"speaker":"NICK ZERBIB","startTime":81.11,"endTime":83.72,"body":"in one sitting one evening."},{"speaker":"NICK ZERBIB","startTime":83.72,"endTime":85.86,"body":"And I think I did"},{"speaker":"NICK ZERBIB","startTime":83.72,"endTime":85.86,"body":"that as a teenager."},{"speaker":"SPEAKER 2","startTime":85.86,"endTime":87.11,"body":"Oh, that's awesome."},{"speaker":"SPEAKER 2","startTime":87.11,"endTime":88.985,"body":"Is there anything"},{"speaker":"SPEAKER 2","startTime":87.11,"endTime":88.985,"body":"particular about that movie"},{"speaker":"SPEAKER 2","startTime":88.985,"endTime":91.76,"body":"that just makes it one that you"},{"speaker":"SPEAKER 2","startTime":88.985,"endTime":91.76,"body":"can watch over and over again?"},{"speaker":"NICK ZERBIB","startTime":91.76,"endTime":99.15,"body":"Just Chevy"},{"speaker":"NICK ZERBIB","startTime":91.76,"endTime":99.15,"body":"Chase and the storyline."},{"speaker":"NICK ZERBIB","startTime":99.15,"endTime":102.05,"body":"It's just an incre--"},{"speaker":"NICK ZERBIB","startTime":99.15,"endTime":102.05,"body":"it's timeless."},{"speaker":"NICK ZERBIB","startTime":102.05,"endTime":104.18,"body":"And I tell all our young folks--"},{"speaker":"NICK ZERBIB","startTime":104.18,"endTime":105.95,"body":"I make Fletch"},{"speaker":"NICK ZERBIB","startTime":104.18,"endTime":105.95,"body":"references, and then"},{"speaker":"NICK ZERBIB","startTime":105.95,"endTime":109.56,"body":"I steer them to go watch it."},{"speaker":"NICK ZERBIB","startTime":109.56,"endTime":111.98,"body":"And most of them"},{"speaker":"NICK ZERBIB","startTime":109.56,"endTime":111.98,"body":"sort of enjoy it."},{"speaker":"NICK ZERBIB","startTime":111.98,"endTime":113.03,"body":"[LAUGHS]"},{"speaker":"SPEAKER 2","startTime":113.03,"endTime":114.92,"body":"Got it."},{"speaker":"SPEAKER 2","startTime":114.92,"endTime":117.83,"body":"Favorite music genre."},{"speaker":"NICK ZERBIB","startTime":117.83,"endTime":119.99,"body":"You"},{"speaker":"NICK ZERBIB","startTime":117.83,"endTime":119.99,"body":"know, I was thinking"},{"speaker":"NICK ZERBIB","startTime":119.99,"endTime":123.89,"body":"about my favorite"},{"speaker":"NICK ZERBIB","startTime":119.99,"endTime":123.89,"body":"music, and I would"},{"speaker":"NICK ZERBIB","startTime":123.89,"endTime":127.04,"body":"say it's become"},{"speaker":"NICK ZERBIB","startTime":123.89,"endTime":127.04,"body":"classical, which is--"},{"speaker":"NICK ZERBIB","startTime":127.04,"endTime":130.68,"body":"which I wish I had learned"},{"speaker":"NICK ZERBIB","startTime":127.04,"endTime":130.68,"body":"how to play the piano"},{"speaker":"NICK ZERBIB","startTime":130.68,"endTime":133.97,"body":"or do something"},{"speaker":"NICK ZERBIB","startTime":130.68,"endTime":133.97,"body":"enriching like that."},{"speaker":"NICK ZERBIB","startTime":133.97,"endTime":137.43,"body":"But now I enjoy listening"},{"speaker":"NICK ZERBIB","startTime":133.97,"endTime":137.43,"body":"to that when I read"},{"speaker":"NICK ZERBIB","startTime":137.43,"endTime":138.65,"body":"and when I relax."},{"speaker":"SPEAKER 2","startTime":138.65,"endTime":139.47,"body":"Yeah."},{"speaker":"SPEAKER 2","startTime":139.47,"endTime":139.99,"body":"No."},{"speaker":"SPEAKER 2","startTime":139.99,"endTime":144.59,"body":"I feel like sometimes music kind"},{"speaker":"SPEAKER 2","startTime":139.99,"endTime":144.59,"body":"of goes with what you're doing"},{"speaker":"SPEAKER 2","startTime":144.59,"endTime":148.91,"body":"or what mood you're in is"},{"speaker":"SPEAKER 2","startTime":144.59,"endTime":148.91,"body":"what your favorite comes out."},{"speaker":"SPEAKER 2","startTime":148.91,"endTime":152.09,"body":"On the-- staying on the"},{"speaker":"SPEAKER 2","startTime":148.91,"endTime":152.09,"body":"music theme-- last concert"},{"speaker":"SPEAKER 2","startTime":152.09,"endTime":153.57,"body":"you attended."},{"speaker":"NICK ZERBIB","startTime":153.57,"endTime":157.01,"body":"This"},{"speaker":"NICK ZERBIB","startTime":153.57,"endTime":157.01,"body":"is unfortunately"},{"speaker":"NICK ZERBIB","startTime":157.01,"endTime":160.13,"body":"going to give you a"},{"speaker":"NICK ZERBIB","startTime":157.01,"endTime":160.13,"body":"sense of my music tastes."},{"speaker":"NICK ZERBIB","startTime":160.13,"endTime":164.6,"body":"I think it was U2"},{"speaker":"NICK ZERBIB","startTime":160.13,"endTime":164.6,"body":"in like 1990 or so."},{"speaker":"NICK ZERBIB","startTime":164.6,"endTime":167.33,"body":"It was a long, long time ago."},{"speaker":"NICK ZERBIB","startTime":167.33,"endTime":172.21,"body":"My wife just recently went"},{"speaker":"NICK ZERBIB","startTime":167.33,"endTime":172.21,"body":"to see Bruce Springsteen,"},{"speaker":"NICK ZERBIB","startTime":172.21,"endTime":172.99,"body":"and I missed it."},{"speaker":"NICK ZERBIB","startTime":172.99,"endTime":174.28,"body":"But no, I have not--"},{"speaker":"NICK ZERBIB","startTime":174.28,"endTime":176.08,"body":"I'm not a big concert goer."},{"speaker":"NICK ZERBIB","startTime":176.08,"endTime":178.28,"body":"But U2 was a blast."},{"speaker":"NICK ZERBIB","startTime":178.28,"endTime":182.62,"body":"I think it was U2"},{"speaker":"NICK ZERBIB","startTime":178.28,"endTime":182.62,"body":"in Tempe, Arizona"},{"speaker":"NICK ZERBIB","startTime":182.62,"endTime":186.49,"body":"when Bono came to"},{"speaker":"NICK ZERBIB","startTime":182.62,"endTime":186.49,"body":"celebrate the fact that we"},{"speaker":"NICK ZERBIB","startTime":186.49,"endTime":190.93,"body":"had impeached our governor,"},{"speaker":"NICK ZERBIB","startTime":186.49,"endTime":190.93,"body":"who was a bad guy--"},{"speaker":"NICK ZERBIB","startTime":190.93,"endTime":193.992,"body":"Evan Mecham."},{"speaker":"SPEAKER 2","startTime":193.992,"endTime":196.26,"body":"I have"},{"speaker":"SPEAKER 2","startTime":193.992,"endTime":196.26,"body":"actually also seen U2,"},{"speaker":"SPEAKER 2","startTime":196.26,"endTime":198.24,"body":"and they definitely"},{"speaker":"SPEAKER 2","startTime":196.26,"endTime":198.24,"body":"put on a great show."},{"speaker":"SPEAKER 2","startTime":200.9,"endTime":202.55,"body":"So we're going to switch gears--"},{"speaker":"SPEAKER 2","startTime":202.55,"endTime":206.9,"body":"no pun intended-- first"},{"speaker":"SPEAKER 2","startTime":202.55,"endTime":206.9,"body":"car you ever drove."},{"speaker":"NICK ZERBIB","startTime":206.9,"endTime":212.68,"body":"My first car was a"},{"speaker":"NICK ZERBIB","startTime":206.9,"endTime":212.68,"body":"yellow Honda CR-X. Do you even"},{"speaker":"NICK ZERBIB","startTime":212.68,"endTime":215.11,"body":"know what a CR-X looks like?"},{"speaker":"NICK ZERBIB","startTime":215.11,"endTime":216.17,"body":"I assume you don't."},{"speaker":"NICK ZERBIB","startTime":216.17,"endTime":216.85,"body":"You'll have to look it up."},{"speaker":"SPEAKER 2","startTime":216.85,"endTime":218.725,"body":"I'm going to"},{"speaker":"SPEAKER 2","startTime":216.85,"endTime":218.725,"body":"have to go Google it."},{"speaker":"SPEAKER 2","startTime":218.725,"endTime":220.87,"body":"[LAUGHTER]"},{"speaker":"NICK ZERBIB","startTime":220.87,"endTime":221.62,"body":"Yeah."},{"speaker":"NICK ZERBIB","startTime":221.62,"endTime":226.24,"body":"That goes back to like"},{"speaker":"NICK ZERBIB","startTime":221.62,"endTime":226.24,"body":"1986 or '87 or whatever."},{"speaker":"NICK ZERBIB","startTime":226.24,"endTime":228.81,"body":"Yeah-- a long time ago."},{"speaker":"SPEAKER 2","startTime":228.81,"endTime":231.65,"body":"And then what's"},{"speaker":"SPEAKER 2","startTime":228.81,"endTime":231.65,"body":"your current vehicle?"},{"speaker":"NICK ZERBIB","startTime":231.65,"endTime":235.19,"body":"I drive what is"},{"speaker":"NICK ZERBIB","startTime":231.65,"endTime":235.19,"body":"now a discontinued vehicle,"},{"speaker":"NICK ZERBIB","startTime":235.19,"endTime":238.37,"body":"although not of the genre"},{"speaker":"NICK ZERBIB","startTime":235.19,"endTime":238.37,"body":"that you would think--"},{"speaker":"NICK ZERBIB","startTime":238.37,"endTime":239.82,"body":"not an antique vehicle."},{"speaker":"NICK ZERBIB","startTime":239.82,"endTime":242.57,"body":"It's the Chevy Bolt."},{"speaker":"NICK ZERBIB","startTime":239.82,"endTime":242.57,"body":"And I was very upset"},{"speaker":"NICK ZERBIB","startTime":242.57,"endTime":246.71,"body":"when GM just announced"},{"speaker":"NICK ZERBIB","startTime":242.57,"endTime":246.71,"body":"they were discontinuing it."},{"speaker":"SPEAKER 2","startTime":246.71,"endTime":248.953,"body":"Hmm."},{"speaker":"NICK ZERBIB","startTime":248.953,"endTime":250.62,"body":"I've"},{"speaker":"NICK ZERBIB","startTime":248.953,"endTime":250.62,"body":"stumped you twice now."},{"speaker":"SPEAKER 2","startTime":250.62,"endTime":251.06,"body":"Yeah."},{"speaker":"SPEAKER 2","startTime":251.06,"endTime":252.485,"body":"I'm like-- now I"},{"speaker":"SPEAKER 2","startTime":251.06,"endTime":252.485,"body":"have to go look."},{"speaker":"SPEAKER 2","startTime":252.485,"endTime":255.48,"body":"[LAUGHTER]"},{"speaker":"SPEAKER 2","startTime":255.98,"endTime":256.519,"body":"All right."},{"speaker":"SPEAKER 2","startTime":256.519,"endTime":261.8,"body":"If money was not an object, what"},{"speaker":"SPEAKER 2","startTime":256.519,"endTime":261.8,"body":"would you be doing right now?"},{"speaker":"NICK ZERBIB","startTime":261.8,"endTime":265.88,"body":"I thought"},{"speaker":"NICK ZERBIB","startTime":261.8,"endTime":265.88,"body":"seriously about teaching"},{"speaker":"NICK ZERBIB","startTime":265.88,"endTime":267.02,"body":"coming out of college."},{"speaker":"NICK ZERBIB","startTime":267.02,"endTime":269.81,"body":"Instead, I went to investment"},{"speaker":"NICK ZERBIB","startTime":267.02,"endTime":269.81,"body":"banking, so go figure."},{"speaker":"NICK ZERBIB","startTime":269.81,"endTime":273.23,"body":"But I think I would"},{"speaker":"NICK ZERBIB","startTime":269.81,"endTime":273.23,"body":"seriously consider"},{"speaker":"NICK ZERBIB","startTime":273.23,"endTime":275.96,"body":"Teach for America, which"},{"speaker":"NICK ZERBIB","startTime":273.23,"endTime":275.96,"body":"is a great program which"},{"speaker":"NICK ZERBIB","startTime":275.96,"endTime":277.46,"body":"still exists."},{"speaker":"NICK ZERBIB","startTime":277.46,"endTime":280.29,"body":"So I think teaching"},{"speaker":"NICK ZERBIB","startTime":277.46,"endTime":280.29,"body":"would be my--"},{"speaker":"NICK ZERBIB","startTime":280.29,"endTime":284.315,"body":"if I were smart enough and good"},{"speaker":"NICK ZERBIB","startTime":280.29,"endTime":284.315,"body":"enough, I would try to do that."},{"speaker":"SPEAKER 2","startTime":284.315,"endTime":285.19,"body":"All right."},{"speaker":"SPEAKER 2","startTime":285.19,"endTime":287.74,"body":"And so my last and"},{"speaker":"SPEAKER 2","startTime":285.19,"endTime":287.74,"body":"final question for you."},{"speaker":"SPEAKER 2","startTime":287.74,"endTime":291.73,"body":"Why did you agree to"},{"speaker":"SPEAKER 2","startTime":287.74,"endTime":291.73,"body":"be on the podcast?"},{"speaker":"NICK ZERBIB","startTime":291.73,"endTime":296.05,"body":"I love to talk"},{"speaker":"NICK ZERBIB","startTime":291.73,"endTime":296.05,"body":"about insurance and insurance"},{"speaker":"NICK ZERBIB","startTime":296.05,"endTime":296.68,"body":"technology."},{"speaker":"NICK ZERBIB","startTime":296.68,"endTime":302.5,"body":"I have a lot of respect for"},{"speaker":"NICK ZERBIB","startTime":296.68,"endTime":302.5,"body":"Reid and what he's done."},{"speaker":"NICK ZERBIB","startTime":302.5,"endTime":306.85,"body":"And I think it's just a"},{"speaker":"NICK ZERBIB","startTime":302.5,"endTime":306.85,"body":"super interesting space,"},{"speaker":"NICK ZERBIB","startTime":306.85,"endTime":310.37,"body":"and it'll enhance my"},{"speaker":"NICK ZERBIB","startTime":306.85,"endTime":310.37,"body":"cocktail party discussions."},{"speaker":"NICK ZERBIB","startTime":310.37,"endTime":313.18,"body":"Because anytime I can"},{"speaker":"NICK ZERBIB","startTime":310.37,"endTime":313.18,"body":"talk about insurance,"},{"speaker":"NICK ZERBIB","startTime":313.18,"endTime":316.007,"body":"it really gets people fired up."},{"speaker":"SPEAKER 2","startTime":316.007,"endTime":316.59,"body":"No."},{"speaker":"SPEAKER 2","startTime":316.59,"endTime":317.507,"body":"That's a great answer."},{"speaker":"SPEAKER 2","startTime":317.507,"endTime":320.26,"body":"And yes, and you'll have to"},{"speaker":"SPEAKER 2","startTime":317.507,"endTime":320.26,"body":"be prepared because speaking"},{"speaker":"SPEAKER 2","startTime":320.26,"endTime":322.84,"body":"of cocktails, we always ask"},{"speaker":"SPEAKER 2","startTime":320.26,"endTime":322.84,"body":"what your favorite drink is"},{"speaker":"SPEAKER 2","startTime":322.84,"endTime":324.46,"body":"at the end of the full episode."},{"speaker":"NICK ZERBIB","startTime":324.46,"endTime":325.81,"body":"That's easy."},{"speaker":"NICK ZERBIB","startTime":325.81,"endTime":327.37,"body":"You won't stump me on that one."},{"speaker":"SPEAKER 2","startTime":327.37,"endTime":328.63,"body":"All right."},{"speaker":"SPEAKER 2","startTime":328.63,"endTime":332.668,"body":"Well, we'll leave that as a"},{"speaker":"SPEAKER 2","startTime":328.63,"endTime":332.668,"body":"teaser for the full episode."},{"speaker":"SPEAKER 2","startTime":332.668,"endTime":334.46,"body":"But Nick, thanks for"},{"speaker":"SPEAKER 2","startTime":332.668,"endTime":334.46,"body":"the time this morning."},{"speaker":"SPEAKER 2","startTime":334.46,"endTime":336.82,"body":"And we look forward to the"},{"speaker":"SPEAKER 2","startTime":334.46,"endTime":336.82,"body":"full interview with Reid."},{"speaker":"NICK ZERBIB","startTime":336.82,"endTime":339.21,"body":"Thank"},{"speaker":"NICK ZERBIB","startTime":336.82,"endTime":339.21,"body":"you very much."}]}