In this episode of Know Your Risk and Insurance Coverage, we sit down with Jill Epstein, the Executive Director of IABCal (Independent Agents & Brokers of California), to discuss the ongoing property insurance challenges in California. Jill provides an in-depth look at how Proposition 103, regulatory delays, and reinsurance costs have shaped the current crisis. She shares how California's unique regulatory environment differs from other states and what the future holds for homeowners and insurance agents. This episode is a must-listen for anyone trying to understand the complex dynamics of California’s insurance market and how it affects both consumers and insurance companies.

Timecodes:
00:00 – Introduction to Know Your Risk and Insurance Coverage
00:19 – Introducing Jill Epstein of IABCal
00:45 – California's Regulatory Differences
02:00 – The Impact of Proposition 103 on California’s Insurance Market
03:20 – The Trifecta of California’s Insurance Regulatory Challenges
05:00 – Rate Delays and Public Participation in California
06:40 – Reinsurance and Historical Data Limitations
08:00 – Wildfire Crisis and Its Role in Insurance
09:02 – Understanding Reinsurance and Capacity
10:12 – State Farm’s Decision to Halt New Policies
11:41 – California Fair Plan: A Market of Last Resort
13:41 – Exposure Concerns and the Fair Plan
14:50 – The Importance of Allowing Adequate Rates
16:20 – Staffing and Operational Challenges in the Department of Insurance
18:04 – IABCal’s Coalition and Legislative Efforts
19:42 – What Does the Future Hold for California's Insurance Market?
21:43 – Final Thoughts on Industry Challenges and Moving Forward
30:02 – Closing Remarks and Future Outlook

Resources:
Become a member at RiskProNet.com
Connect with Jill Epstein on Linkedin
Connect with Chip Arenchild on LinkedIn

In this episode of "Know Your Risk and Insurance Coverage with Risk ProNet," host Chip Arenchild continues his conversation with Brad Reitzner, Executive Vice President of Property and Casualty at M3 Agency, to discuss the transformative power of specialization. Brad discusses the impact of their Business Assurance Associates program, how they efficiently train and integrate new talent, and the cultural shift that has made specialization a winning formula at M3. Discover how M3’s focus on industry verticals and product specialization has not only driven growth but also set a new standard for client service in the insurance industry.

Timecodes
00:00 - Introduction: Welcome to Know Your Risk and Insurance Coverage with Risk ProNet
00:19 - Brad Reitzner on Specialization and Practice Groups at M3 Agency
01:37 - The Business Assurance Associates Program: Training Future Specialists
02:57 - Aligning Talent with Industry Verticals: Finding the Right Fit
04:15 - The Value of Hands-On Experience in Developing New Talent
06:58 - Building Relationships and Expertise: The Importance of Industry
Associations
08:04 - Balancing Day-to-Day Responsibilities with Professional Development
09:54 - The Role of Development Plans in Talent Retention and Growth
11:11 - Ensuring Accountability and Clear Expectations in Practice Groups
13:20 - Setting New Business Goals and Sales Velocity Targets
14:42 - The Importance of Team Selling and Collaborative Growth
16:45 - The Cultural Shift: Embracing Specialization and Reciprocity
19:13 - Competing with Industry Giants: How M3 Stands Out
20:58 - Continuous Improvement: Looking Ahead at New Specializations
21:52 - Specializing in Small Business with M3 Elevate
23:17 - Product Specialization: Captives, Cyber, and Beyond
24:31 - Closing Thoughts: The Impact of Specialization on M3’s Success

Resources:
Become a member at RiskProNet.com
Connect with Brad Reitzner on Linkedin
Connect with Chip Arenchild on LinkedIn

In this episode of "Know Your Risk and Insurance Coverage with Risk ProNet," host Chip Arenchild welcomes Brad Reitzner, Executive Vice President of Property and Casualty at M3 Agency, to discuss the transformative power of specialization. M3 Agency, a top 100 agency with 400 employees across eight offices, has successfully grown organically through a strategic focus on practice groups. Brad shares the agency’s journey from being generalists to specialists, highlighting the challenges and successes along the way. He delves into the structure and operations of practice groups, the importance of industry-specific knowledge, and how M3’s culture and ownership model support this specialized approach. Tune in to learn how M3’s innovative strategies can inspire your own agency’s growth.

Timecodes:
00:03 - Introduction and Welcoming Brad Reitzner
01:19 - Background on M3 Agency and Brad's Role
03:28 - Transitioning from Generalist to Specialist: The Beginning
05:23 - Initial Practice Groups and Early Challenges
06:54 - Success and Expansion Post-2005
08:24 - Brad’s Transition from a Generalist Agency to M3
09:55 - Aligning Operations and Service Teams with Practice Groups
12:30 - Structure and Efficiency within Practice Groups
14:22 - Benefits of Centralizing Expertise
17:03 - Managing Expectations and Accountability in Practice Groups
19:14 - Organizational Structure and Management Layers
23:36 - Role of Directors and Support Systems
26:51 - Compensation and Incentives for Directors
27:55 - Back to Basics: Focus for 2024

Resources:
Become a member at RiskProNet.com
Connect with Brad Reitzner on Linkedin
Connect with Chip Arenchild on LinkedIn

In this episode of "Know Your Risk and Insurance Coverage with Risk Pro Net," host Chip Arenchild sits down with Kelsey Swingle-Robertson from Swingle Collins in Dallas, Texas. Kelsey shares her unique journey from working at JP Morgan to joining her family’s insurance agency. She discusses the importance of work ethic, the advantages of commission-based careers, and the value of women in the insurance industry. Kelsey also provides insights on how to attract young talent to the field, the benefits of work-life integration, and the critical role mentorship plays in developing successful insurance professionals. Tune in to learn about the diverse opportunities within the insurance sector and why it's a hidden gem for career seekers, especially women. Whether you’re new to the industry or a seasoned professional, this conversation offers valuable perspectives on building a rewarding career in insurance.

Timecodes:
00:00 - Introduction and Kelsey's Background
01:16 - Kelsey's Early Career and Creative Networking
02:18 - Lessons from Banking Applied to Insurance
03:53 - Transition to Insurance and Work-Life Balance
06:00 - Commission-Based Careers and Advantages for Women
07:26 - Overcoming Gender Barriers and Role Models in Banking
10:44 - Confidence and Speaking Up in Male-Dominated Industries
14:08 - Cold Calling and Building Confidence in Sales
18:02 - Mentorship and Training at Swingle Collins
21:47 - Recruiting Women to Insurance and Building a Diverse Team
26:45 - Conclusion and Closing Remarks

Resources:
Become a member at RiskProNet.com
Connect with Kelsey Swingle-Robertson on Linkedin
Connect with Chip Arenchild on LinkedIn

In this episode of “Know Your Risk and Insurance Coverage,” Chip Arenchild welcomes Adam Aguilar from Action Pharmaceutical Consulting to demystify the world of Pharmacy Benefit Managers (PBMs). With healthcare costs rising, understanding PBMs is more critical than ever. Adam explains what PBMs do, why they impact your health plan costs, and how businesses can take control of their healthcare expenses. Whether you’re a broker or a business owner, this conversation provides actionable insights to help you navigate the complex landscape of pharmacy benefits and achieve significant savings.

Timecodes:
00:00 – Introduction and Guest Overview
00:47 – Understanding PBMs and Their Role in Healthcare
02:16 – Current Healthcare Cost Increases and Causes
05:36 – Market Share and Options in the PBM Industry
07:34 – Self-Funding and Cost Management Strategies
10:57 – Characteristics of Plans Suited for Self-Funding
12:15 – Customizing Pharmacy Benefits Plans
18:00 – Ongoing Management and Review Process
21:16 – Future of PBMs and Industry Transparency
23:11 – International Sourcing for Cost Savings
24:02 – Raising Awareness and Providing Options
25:03 – Closing Remarks and Contact Information

Resources:
Become a member at RiskProNet.com
Connect with Adam Aguilar on Linkedin
Connect with Chip Arenchild on LinkedIn

Dive into the world of parametric insurance with Garrett Koehn, President of Executive Lines and Chief Innovation Officer at CRC. In this episode of "Know Your Risk and Insurance Coverage with RiskProNet," Garrett sheds light on the origins of parametric insurance, its evolution beyond weather-related events, and its growing applications in various sectors. From automatic triggers to social benefits and data-driven underwriting, discover how parametric insurance is revolutionizing risk management. Join the conversation to explore the intricacies of this innovative insurance approach and its implications for businesses and insurers alike.

Timecodes:
Introduction and Overview (00:00 - 01:00)
Exploring Parametric Insurance (1:00 - 3:19)
Benefits and Applications (3:19 - 0:05)
Marketplace Applications (5:05 - 7:43)
Data-Driven Underwriting (7:43 - 10:51)
Future Trends and Innovations (10:51 - 13:11)
Blockchain and Emerging Technologies (13:11 - 16:01)
Introduction of New Products (16:01 - 18:57)
Evolving Landscape and Broker Role (18:57 - 21:44)

Resources:
Become a member at RiskProNet.com
Connect with Garrett Koehn on Linkedin
Connect with Chip Arenchild on LinkedIn

In this week's episode we are joined by Webb Milward, the Head of Strategic Development at Reagan Consulting. Tune in as we dive into trends to look out for in 2024, the Run vs. Build agency, Screamin’ Mimi’s, and so much more! 

00:34 – Episode start and brief guest introduction.
01:23 – Background on Web and what led him to Reagan.
04:36 – What are some trends that should be paid attention to, as an agency, going into 2024. 
06:51 – Producer recruitment, staff recruitment, and where he sees recruitment on the importance scale moving forward. 
15:17 – How recruitment ties into agency ownership, discussion on employee retention strategies, investing in people, and culture.
23:50 – Diving into the Run vs. Build a value agency mindset and how he would prepare others for each type of agency. 
29:11 – What is the time frame and his recommendation on where to start at a firm. 
32:02 – Bringing value to a transaction, creating specialists, and key takeaways.
34:03 – Having/building a plan for change management and his recommendation for change management.  
36:12 – His final thoughts going into 2024.
37:14 – What’s going on with Screamin’ Mimi's Salsa.
38:30 – His involvement The University of Kentucky Women’s basketball team and the NIL, and how he got involved.

Resources:
Connect with our host Chip on LinkedIn
Connect with Webb on LinkedIn
Lear more about  Reagan Consulting & Screamin’ Mimi’s

In this week's episode we are joined by John Melbon, the benefits division leader at SullivanCurtisMonroe which is located in Southern California. We dive into benefits, alternative funding, what is the pharmacy benefit manager (PBM), and more!

00:34 - Episode start and brief guest introduction.
01:37 - What is he seeing and what is he doing in his approach that may be different than others when it comes to benefits.
02:48 - How does he talk to someone about a 30% rate increase, what can he do to mitigate that, and how do they communicate rate increases to clients.
07:37 - How they manage their renewals and how they use their renewal success calendar.
08:52 - What are people doing to overcome challenges, what alternative methods is he looking into, and what strategies he recommends.
15:27 - What is the pharmacy benefit manager and what role does it play in trying to control costs.
19:13 - Are more people, prospects, or clients going this direction of self-funding mechanisms?
21:38 - What are John’s thoughts on what the future holds?
25:16 - How has it been for John and his firm participating with RiskProNet and how has it benefited him as a broker and his firm.
27:41 - Diving into branding and messaging.
29:57 - What technology they offer and utilize at SullivanCurtisMonroe.
34:53 - How they are continuously evolving and growing for success.

Connect with our host Chip on LinkedIn!
Connect with John on LinkedIn
Learn more about SullicanCurtisMonroe
Learn more about RiskProNet

In today’s episode we are joined by Geraldine DelPrete, the President of Programs at SterlingRisk. Tune in to learn more about Bolton Street, creating programs, program eligibility, and more!

00:34 - Episode start and guest introduction.
01:23 - What does it mean to create a program and how did they get started creating programs?
04:29 - Diving into what Bolton Street means.
06:38 - Why are reinsurance costs going up and explanation.
11:57 - What capacity means to them, the misuse of the word capacity, and social inflation.
13:54 - What has to change for capital flowback and how are they going to find a better rate of return?
16:44 - What is the program eligibility, how does she find the carrier to pick, what kind of value commitments she might have to have with them, why is it better as an agent to go to Bolton Street and what are you getting with them.
18:13 - How to get in contact with Bolton Street.
18:56 - How they develop a program.
22:36 - Discussion on limits going down due to the market and purchasing limits.
24:33 - What programs is she most excited about?
26:52 - More on Bolton Street and what they can do to help.
28:56 - Is there a limit on their cyber and is there a target?

Connect with Geraldine DelPrete on LinkedIn
Follow SterlingRisk on LinkedIn
Learn more about SterlingRisk
Connect with Chip Arenchild
Learn more about RiskProNet

In this week's episode we are joined by Travis Pearson the CEO of CMR Risk and Insurance, Inc. Today we dive into CMR, how they are doing with the current market, why CMR wanted to join RPN, and more!

00:34 - Episode start and guest introduction. What does CMR stand for?
01:51 - Why CMR wanted to join RiskProNet and what was it about RiskProNet that made him want to work with them.
03:16 - Learn more about Travis’s background and starting at CMR 
05:39 - Being voted one of the best places/agencies to work for. What inspired him to be so employee-centric focused in his life and how applying that approach contributed to the success of the company. 
10:32 - What are the core beliefs around the role of the broker with the clients and the expectations they have for their brokers. 
14:03 - How is he doing in the current market and discussion on client retention rate. 
17:07 - What systems and technologies they utilize at CMR.
19:31 - What are they doing with their clients in terms of customer feedback and what are his thoughts on customer feedback? 
21:08 - How does he see his firm contributing to the growth of RiskProNet and how is RPN set up to help CMR continue to grow? 
23:44 - What does he see for the future of CMR within the next 3-5 years and what is he focused on. 
25:46 - What is CMR doing with their broker associates? 
30:42 - More about the agency and their private ownership. 
32:57 - Bringing value to clients, CMR’s guarantee, and their transition package. 

Connect with our host Chip on LinkedIn!
Connect with Travis Pearson
Learn more about CMR
Learn more about RiskProNet

In this week's episode we are joined by David Price who is the President and CEO of Fenchurch Broking in London. Today we are going to talk a little bit about the London market, the perceptions and misperceptions of what that market is, how to access, how to utilize a London broker, and so much more!

00:34 - Episode start and guest introduction
01:40 - What are some of the common misconceptions that brokers have about London
03:16 - What does it take to get a piece of business done in London, how do you prequalify it, how much time do you need, and what are some concrete ideas that people can take away
07:08 - Discussion on the stability and competitive pricing in London
09:34 - As a broker, what does David do to qualify to make sure that it is appropriate, if a domestic broker wants to work with a London broker what would they need to do to prequalify a risk, and what would need to be done to be successful
15:41 - The art and science of a submission, what is his secret to package it up and know who takes the lead, what makes it work, and how is he so successful
18:16 - Diving into the policies and claims at Lloyd’s, what it means, and how policies and claims are issued at Lloyd’s
23:15 - The Hunt for Red October, what he is trying to do with that analogy, and what he is doing a Fenchurch
26:01 - The importance Identifying what opportunities you have and working on prequalification
26:59 - What has life been like for him/work environment post-COVID, having great relationships and networks, and the difficulty of getting people back in-office
29:58 - Discussion on Parametric, what it does, and what to look out for
32:45 - Final thoughts, state of the current market, what Fenchurch is doing, and providing creative solutions

Learn more about RiskProNet
Want to learn more about Fenchurch Advisory Partners? Check out their LinkedIn and Website
Connect with our host Chip!
Connect with David Price on LinkedIn

In this episode of Know Your Risk and Insurance Coverage With RiskProNet, host Chip introduces Bruce White, a Partner at JKJ, who specializes in their international business unit. They discuss the challenges and opportunities of handling insurance for multinational companies, emphasizing the importance of cultural understanding and adjusting to different business practices in various countries. Bruce shares insights on how JKJ got involved in international business and the evolving nature of the insurance industry. They explore program design, claims handling, and the significance of building trust and relationships in the international insurance market.

00:33 – Meet Bruce White and his thoughts on handling programs for multinational companies and international business

01:57 – JKJ background, how it ended up in this space, what it’s turned into today, and cultural dynamics

06:08 – Distribution, international exposure, coverage, and who/how JKJ is serving 

08:38 – What an independent brokerage firm or member of RiskProNet would do if struggling with placement internationally, what the brokerage environment looks like in other countries, are they different or do they look the same

11:59 – Importance of relationships, building trust, their design to international relationships, and creating friendships/partnerships 

14:25 – Hiring locally or internationally and what is their strategy for continued growth

16:09 – How international claims are handled, coverage designs, and evaluating what is in the best interest of a global group 

19:27 – Connecting with JKJ, what is the best way to connect with them, and final thoughts

In this episode, we're joined by Pat Mullen and Kyle Rogers  from Johnson Kendall & Johnson, Inc., one of our member agencies in Philadelphia. They're here to share their unique approach to perpetuation and maintaining their independence in the insurance industry. JKJ's success is built on a culture of shared ownership, mentorship, and a commitment to preparing the next generation of leaders. Kyle, who is also the CFO, explains how they've set up a framework for perpetuation, including a healthy financial operation, reasonable sellers, able buyers, and transfer mechanisms. They also discuss the importance of communicating this vision to new acquiring shareholders and how their partnership with the Tugboat Institute has been instrumental in fostering their independence. Tune in for valuable insights on sustaining long-term success in the insurance world. 

00:34 – Meet Kyle Rogers and Pat Mullen from Johnson Kendall & Johnson, Inc.
01:46 – What agencies are doing to be able to stay independent when it comes to perpetuation, mergers, and acquisitions, discussion on JKJ, and their perpetuation model 
04:43 – Agency investment strategy, their process, and the importance of training and mentoring.  
07:19 – JKJ's culture, key strategies, coming up with a methodology, evolving, and shared ownership.  
10:09 – Acquiring shareholders, trusting the process, generational notices, continuing to educate and communicate, and the difference in communicating with different generations.   
12:17 – Advice for shareholders on perpetuation, their opinions, and the payoff of investment.  
13:47 – Joining the Tugboat Institute and what it is.  
15:25 – How often they work on culture, the time they have put into culture, and their thoughts on perpetuating this culture that they have created. 
17:31 – Long-term approach for producers, JKJ’s development, and their 10-week internship program 
20:29 – More on perpetuation, ESOP, and their final thoughts 

Resources:
Tugboat Institute
Connect with Pat Mullen on LinkedIn 
Connect with Kyle Rogers on LinkedIn
Learn more about RiskProNet
Want to learn more about JKJ? Check out their website
Connect with our host Chip! 

In today’s episode, Chip is joined by Kim Slager, partner at BHS Insurance. Kim specializes in the public garden space. She is the team leader for the BHS proprietary national public gardens program. Kim has been in the insurance space for a little over 28 years and has been with BHS for 11 years.  

BHS Insurance has been providing superior service and managing insurance for over 80 years. They are a leading insurance provider that finds innovative solutions to those who value individualized services and shared passions for helping others.  

  Chip and Kim dive into:  

• The Botanical Gardens and how she got involved.  
• The Grand Rapids Garden, the community, and 5O1C3 gardens.  
• Preserving native gardens and the importance of keeping them safe.  
• The importance of passion and how that correlates to running and maintaining a program. 
• Unique challenges that Kim has had to face and the challenges of property insurance.  
• How BHS benefits and provides for both small and large gardens.  
• How they supported and safely helped gardens open back up after COVID. 
• Insuring gardens when and if a natural disaster strikes one of their gardens. 

…and much more!   

Do you get overwhelmed with insurance policies? Are you interested in learning about the different types of insurance and getting an in-depth look at insurance and risk assessment? Visit our website at www.riskpronet.com

Resources:
Learn more about American Public Gardens Association
Learn more about BHS Insurance here
Follow BHS on Twitter, Instagram, & LinkedIn
Connect with Kim on LinkedIn 

In today’s episode, Chip is joined by Beth Martin, with the Crane Agency is St. Louis and longtime RiskProNet member. Beth is their cyber security expert and talks about things to pay attention to during the holiday season, and online shopping in general, as it related to cyber and individuals. 

Crane Agency is one of the oldest independent insurance agencies west of the Mississippi River, where they aim to be the premier independent insurance agency for our clients, our team, and our communities every day.
  

Tune in for cyber security tips for shopping during the holiday season and beyond!
  

In a nutshell, Chip and Beth shed light on:

·        What to think about when shopping online when it comes to cyber exposure

·        Best practices when it comes to giving out personal information for discounts

·        The option of creating a separate email account for shopping

·        The importance of multifactor identification

·        The use of public Wi-Fi

·        The best way to store your passwords

… and so much more! 

Do you get overwhelmed with insurance policies? Are you interested in learning about the different types of insurance and also getting an in-depth look at insurance and risk assessment? Visit our website at www.riskpronet.com

Resources:
Learn more about the crane agency here 
Follow the Crane Agency on Twitter and LinkedIn
Connect with Beth

In today's episode, Chip is joined by Mac Wesson, the President of Swingle Collins. Mac serves on the agency’s Executive and Finance Committees where he develops and implements long-term business plans. 

Swingle Collins & Associates is the largest privately owned Insurance agency in Texas, with both national and global reach. They deliver the highest quality commercial and personal insurance and risk management solutions to businesses.  

Tune in for a fantastic talk from the president of an A-list Insurance agency in Texas.  

In a nutshell, Chip and Mac shed light on: 

• The firm's primal objective is to  serve the entrepreneurial community that is now unequaled  
• How they are maintaining a good financial standing amidst the economic recession  
• As a dominant firm in Texas, why they opted to partner with Riskpronet  
• How they are using technological advancements to promote growth and drive efficiencies  
• Their liberal approach toward staff turnover and account management  
• Insightful reflections on risk advisors and how they are doing it  

… and so much more!  

Do you get overwhelmed with insurance policies? Are you interested in learning about the different types of insurance and also getting an in-depth look at insurance and risk assessment? Visit our website at www.riskpronet.com 

Resources:
Follow Chip on LinkedIn
Follow Mac on LinkedIn
Learn more about Swingle Collins
Connect with Swingle Collins on Facebook & LinkedIn
Have Questions About Insurance  That You Want Answered? Fill Out This Form

In today's episode, Chip is joined by Jamie Madonna, the  Managing Advisor in AHT’s Seattle office. Jamie has extensive expertise in creating innovative insurance solutions primarily for the aviation, manufacturing, and technology industries. He is also a private pilot. 

As AHT celebrates its 100th anniversary, it has been operating as an employee-owned insurance brokerage and consulting firm offering property and casualty, employee benefits, retirement, and personal and international services for a wide range of industries – boasting national recognition for its practices in areas including technology, manufacturing, government contracting and nonprofits. 

In the episode, Jamie states the benefits an individual, agency owner, principal, or organization stands to garner as a member of the RiskProNet community.

The company, AHT, is rooted in their specialty thus providing unwavering value, integrity, and excellence because they understand deeply what risks are there to the Industry and what they can do from an insurance coverage perspective whilst remaining client-centric. 

Jamie also expands on the synergy between his specialties; working with companies in technology, aviation/aerospace, and manufacturing industries. And as a specialist in the named niches, he may start creating a product the market doesn't know they need and also encourage underwriters on either side to add that coverage or consider partnering with other firms to add that coverage to their products. 

During the episode, he dives into the type of clients they are currently working with, the newest thing in the marketplace (UAV), the new technologies such as electric propulsion, and the traditional and modern placement of aviation insurance. 

Tune in as Jamie informs us of the Insurance Brokerage and Consulting firm that has achieved superior status with many carriers.

Resources:
Follow Chip on LinkedIn
Follow Jamie on LinkedIn
Follow AHT on LinkedIn
Check out AHT's Website to Learn More 
Have Questions About Insurance  That You Want Answered? Fill Out This Form 

Things continue to evolve and grow and it is important to have relationships that can help serve your clients across the country, help you with scale, market knowledge, and everything that you need to compete with the ever-growing increase in aggregators, whilst remaining independently owned. To achieve this, you need partnerships that are going to help you meet the needs of your clients and internal employees long term. 

In today's episode, Chip is joined by Jon and Clay from W3 Insurance in the Tampa Bay, St. Petersburg area. They are the most recent members to join RiskProNet. 

Clay is the vice president of W3 St Petersburg, a stallholder, and a Commercial Insurance Advisor. He has extensive experience controlling workers' compensation costs for large companies and his niche focus includes manufacturing, construction industries, and large workers' compensation cases.

John is the President of W3 St Petersburg. His specialty is working closely with businesses to find insurance and risk management solutions that match their unique needs. 
 
W3 has been in existence for 97 years, and for almost 25 years now they have focused on what to do to increase value besides brokering services; their shift to a value-added platform. 

In the episode, Jon and Clay show you that W3 covers everything. The multi-channel and commercial insurance is their largest revenue stream, representing probably about 50% of their income today followed by employee benefits.  They have one of the largest employee benefits in the Tampa Bay market. And they also do a lot of personal lines and recreational marine. 

Tune in as John and Clay shed light on:

• Why you should join Riskpronet
• How they (WE) are the differentiators in the marketplace currently and in years to come
• What Clay's doing to promote alternative financing options for people that qualify
• What's going on in the construction market in St. Petersburg economically
• The kind of issues their clients are having and their worries as cyber takes off
• Their amazing incorporation of technology into the platform before a lot of people did
• What the future looks like for W3 in terms of growth and niche 

… and so much more! 

If you are a business owner and are looking to have a different relationship because something has revolved in your world, this episode shows you why W3 ( partners with Riskpronet)  is the missing piece of the puzzle. 

Do you get overwhelmed with insurance policies? Are you interested in learning about the different types of insurance and also getting an in-depth look at insurance and risk assessment? Visit our website at www.riskpronet.com

Resources:
Follow Chip on LinkedIn
Check out W3 to learn more 
Follow Chip on LinkedIn
Follow Jon Hammond on LinkedIn
Follow Clay Crum on LinkedIn
Have Questions You Want Answered? Fill Out This Form 

Active shooting has been a sensitive topic. Mass school shootings as well as other threats of violence have spiked dramatically lately in the country. How can we prepare to manage this risk both corporately as a business and as an Individual? 

In today's episode, Chip is joined by Ted Hayes, the senior risk manager at M3 Insurance. For the past 29 years, Hayes has served as a safety and security consultant to school districts and municipalities in Wisconsin and throughout the United States. He specializes in active shooter training and he has worked extensively with both public and private schools. Additionally, Hayes authors monthly violence prevention articles for various school-related magazines.

Whether shooting at an organization lasts two minutes, four minutes, or 12 minutes, you have about three seconds to make the right decision to save your own life. And that starts with creating Mental Action scripts. That you should always have a plan, thought out, not something you have to write down but just thought out. This is just but a preview of the incredible wisdom Ted has in stored for you in the show today. 

Tune in as Ted dives into pragmatic strategies to change your mindset around shooter situations such as: Having an understanding and adapting the Mental action script, 3 things an active shooter seeks, and the ABCs of weapon control ( A for avoiding the weapon, B for blanketing the weapon with your body and C for controlling it to minimize it from injuring people).

In the episode, he also recommends something to chew on immediately after listening to the show: Having an immediate mass notification system, locking up your doors, and developing room security controls.

Ted has life-saving knowledge that he can't keep to himself, information that you should definitely grasp.  Tune in as he shares these golden nuggets on active shooter training. 

Do you get overwhelmed with insurance policies? Are you interested in learning about the different types of insurance and also getting an in-depth look at insurance and risk assessment?   Visit our website at www.riskpronet.com 

Resources:
Follow Chip on LinkedIn
Follow Ted Hayes on LinkedIn 
Learn More About M3
Check Out Ted's Book:   If it's Predictable, it's Preventable; More than 2000 Ways To Improve The Safety & Security In Your School.
Have Questions You Want Answered? Fill Out This Form 

Wildfires are creating some serious problems for homeowners. The risk of owning homes in certain states has escalated due to infrastructure and wildfires. Adam and Martha of Moody Insurance Agency based in Colorado are familiar with the woes of ensuring a home in a wildfire zone. Listen to them discuss the state of homeowner’s insurance amidst the high rates of wildfires across the United States. On the episode, Adam and Martha also discuss some alternative ways to prevent and protect your home from fire risk. 

Resources
Connect on LinkedIn with Chip Arenchild, Adam Loner, or Martha Ricci
Learn more about Moody Insurance Agency
Learn more about RiskProNet check out our website.
Follow us on Twitter.

What’s the sharing economy? Think Uber. There was a need for transportation and a surplus of drivers. With the sharing economy, there was an opportunity to optimize underutilized assets. Same thing happens in insurance. Kevin Brooks, an agency partner at Johnson Kendall Johnson, discusses how the sharing economy works within the world of insurance. Listen to Chip and Kevin dive into how insurance companies work smarter to optimize assets in the sharing economy.

Resources
Connect on LinkedIn with Chip Arenchild and Kevin Brooks
Check out InterWest Insurance Services and Johnson Kendall Johnson 
Learn more about RiskProNet check out our website.
Follow us on Twitter. 

With inflation at its highest since the 1980s,  American homeowners are experiencing painful insurance premiums and renewal rates. The cost of building new homes is more than last year. Global supply shortages create surges in construction labor and material costs. As a partner at Johnson Kendall Johnson insurance agency, Kevin Brooks specializes in homeowners insurance. Homeowners across America want to make keep their home safe from wildfires and water damage. Listen to Chip and Kevin chat about insurance’s role for safety in new home builds and against catastrophic events.

Resources
Connect on LinkedIn with Chip Arenchild and Kevin Brooks
Check out InterWest Insurance Services and Johnson Kendall Johnson
Learn more about RiskProNet check out our website.
Follow us on Twitter.

Since specializing in construction and real estate, M3 Insurance Agency has seen massive company and culture growth. This new direction in the construction industry means learning the ins and outs of general liability contracts for their clients. For Scott Faris, a senior member of the Real Estate and Construction Risk Practice Group at M3 Insurance, specializing has provided opportunity for learning with other experts in the field. Listen to Chip and Scott discuss why specialization can elevate your agency. 

 Resources
Connect on LinkedIn with Chip Arenchild and Scott Faris
Check out InterWest Insurance Services and M3 Insurance
Learn more about RiskProNet check out our website.
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On the second of a two-part series, Chip speaks with Charles Comiskey of RiskTech Inc. about business insurance policies or Wraps. The industry has changed rapidly. Tune into this conversation about mitigating risk for large business projects involving contractors and employees.  

Resources
Connect on LinkedIn with Chip Arenchild and Charles Comiskey
Check out InterWest Insurance Services and RiskTech Inc.
Learn more about RiskProNet check out our website.
Follow us on Twitter. 

If you’re running a business or project with multiple employees, this episode is for you. Wrap insurance, an umbrella type policy, provides coverage for general contractors, subcontractors, and individual employees. Learn how you can navigate a wrap policy for your business or project with Charles Comiskey, President of RiskTech, Inc in Houston, Texas.

Resources
Connect on LinkedIn with Chip Arenchild and Charles Comiskey
Check out InterWest Insurance Services and RiskTech Inc.
Learn more about RiskProNet check out our website.
Follow us on Twitter.