Chapman On Air
Chapman On Air is a Southwest Florida–based podcast presented by Chapman Insurance Group, designed to inform, educate, and connect the SWFL community. Covering everything from Southwest Florida living and local community highlights to practical insurance tips and in-depth interviews with trusted community leaders, Chapman On Air brings valuable insights straight to your ears.
Each episode dives into topics that matter most to Florida residents and business owners, including home insurance, auto insurance, flood insurance, commercial coverage, and real-world strategies to protect what matters
Chapman On Air
The Hidden Risks of Boat Ownership: Expert Insights with Norvos Insurance
Use Left/Right to seek, Home/End to jump to start or end. Hold shift to jump forward or backward.
What most boat owners in Florida don’t realize could cost them everything.
On this episode of Chapman On Air, Mia Rae Stephens sits down with Alex Hernandez, CEO of Norvos Insurance, a marine insurance expert with 16+ years of experience, to break down what boat owners must know before they hit the water.
If you own a boat—or plan to in Southwest Florida—you need to hear this.
From hurricane damage and liability risks to coverage gaps most boat owners never think about, this episode breaks down what really protects your vessel when things go wrong on the water.
Hosted by Chapman Insurance Group, the conversation explores:
- Why boat insurance is often misunderstood (and not required—but essential)
- The difference between agreed value vs. actual cash value coverage
- How hurricane preparation can actually lower your premium
- Real claim stories that show why the right policy matters
- What boat owners consistently underestimate about liability risk
Alex also shares insights from nearly a decade in marine insurance and explains how the right coverage decisions can prevent major financial loss.
This episode will change how you think about protecting your vessel—and yourself. 👉 Listen to the full episode now
🎥 Prefer video? Stream here: https://youtu.be/Z86FlU8jwYc
Okay, welcome to Chapman on Air. Yeah. Glad to have you. Today we have Alex Hernandez with us from Norvos Insurance, one of our trusted carrier partners. Especially when it comes to boat and marine coverage here in Florida. We're talking about the industry, the partnership, and what people should actually know before they get in the water. So thanks for coming.
SPEAKER_01Absolutely. Thanks for having me.
SPEAKER_00Yeah. So let's hear a little bit about you. Like how did you get into this industry?
SPEAKER_01Uh I've been doing insurance myself for about 16 years now as a whole. I started with the PNC side, personal auto, home insurance for the most part. Uh dabbled a little bit into commercial trucking, long-haul trucking. And then for the last nine years, I've been doing marine insurance. So it's definitely the niche and the space where I feel most comfortable with. I've spent the most time doing marine insurance. And it funny enough started kind of almost accidental in the sense because I was going into the commercial trucking space a little more. I've been doing that for about a year, had a lot of success there. Another partner of mine from another agency had just, for lack of a better word, lost his manager. And he was a marine specialty agency. Okay. Needed somebody to kind of step in, help fill that void. I said, I'll do it for some time. I kind of wanted to go back to the trucking. And then when I went over to that office and I became his office manager, I learned more about the ins and outs of the marine insurance. I realized I ended up liking it a lot more than I thought I would. The type of clientele that people you deal with was something that I really appreciated. I stuck it through. And then I learned all the ins and outs for as much as I can, of course, uh in the last nine years of marine insurance. And it's why I'm at where I'm at right now.
SPEAKER_00Awesome. So that kind of goes into my next question, which is was there a specific moment, or if so, what was that moment that made you realize this is the space where I want to make an impact?
SPEAKER_01Well, for one thing, I liked that it wasn't a mandatory insurance. And what I mean by that is that most people that approached me about marine insurance didn't feel like they were coming to me because they were obligated to. Kind of how it works a little more with the uh auto insurance side of things. Um, marine insurance, you're pretty much insuring somebody's fun, somebody's hobby. Um, so it's a lighter and in a lot of cases an easier conversation to have with people. Um, so I just felt that that was where I wanted to be. The energy, like I said, the niche space of it. I enjoyed all aspects of it. And the clients that come with it for sure.
SPEAKER_00Yeah. So what do most people or most boat owners underestimate when it comes to this type of coverage?
SPEAKER_01Um, so for one thing, is the uh amount of coverage they need is probably a conversation we have a lot of the time. Um, as it relates to maybe the other products of insurance they may have, like auto insurance or home, they typically think they may need like a starter level of liability in some cases 100,000, 300,000. But with boat insurance, it may not be sufficient, especially if you're operating on a commercial basis or a charter. Uh, if you have passengers or anybody who's in your care custody and control, you naturally should carry higher limits. And then some marinas as well, where these uh these charterers are operating out of have their own minimal requirements uh for having the business there or even having the vessel moored at their location. So a little bit of education comes uh behind that and what people are typically expecting. Um but yeah, it's an easy conversation to have, and most people are they they receive it well, in other words.
SPEAKER_00Yeah, I think education is so important when it comes to insurance. People need to know what they're getting into and why you're making a certain recommendation over something else, right? Yeah, for sure. So is there do you find that there's a misconception people have about boat insurance? I know you talked about what they underestimate, but totally.
SPEAKER_01Um because like I like I stated a second ago, it's not mandatory. So a lot of people think it's something that, all right, well, if the state doesn't require me to have it, then how how badly do I really need it? And just because it's not required by the state necessarily is still something you want to have because you want to protect your your your vessel, which is your primary interest, and then obviously any liability that may arise from it. Right. Um, there's more things that go into just hitting a dock or hitting another vessel, um, people being injured on board of the vessel itself, uh slipping, falling. Uh it's sad to say, but I've encountered a couple of claim stories where somebody actually, you know, struck a swimmer in the water because they didn't see.
SPEAKER_00Oh my goodness, yeah.
SPEAKER_01There's a lot more that goes into the scope of marine insurance itself outside of the physical hole itself as well.
SPEAKER_00That I definitely never gave thought to that for sure. Because I was my that was kind of my next question is walk me through a really solid boat policy, the things that people don't think about. That's definitely something that I I wouldn't have thought about.
SPEAKER_01Most people think about what's on the boat itself and not, you know, yeah outside of the excess the extent of it. Because if that's not covered, yeah, you have a lawsuit coming your way and not a pretty one for sure.
SPEAKER_00Right. So you think you're saving up front and you're costing yourself your whole fortune. Like really. Okay. Interesting. So uh we're gonna talk a little bit about why partnerships matter.
SPEAKER_01Okay.
SPEAKER_00Specifically with Chapman. Talk about that. Talk about your relationship with Chapman.
SPEAKER_01Um, so with Chapman Insurance Group, as you know, you guys are one of our uh preferred partners. Uh we act as the managing general agent. We deal with brokers like Chapman Insurance. You guys naturally run the quotes or the quote submissions through your markets that you have. Um, in some cases, some of the admitted markets, standard markets like the Progressive of the World, American Integrity, American Modern, have limitations to how much um whole cover, meaning the actual value of the boat they want to insure or the size of it. So you're a little bit more limited with some of these markets, and that's where a relationship with like a Norvus like us uh comes in handy because we have access to additional markets in the surplus-line space, not only here in the country, but also abroad and overseas. So we have other syndicates and reinsurers that can come and insure vessels here, give you guys um just more avenues of what you can offer your client, and then more competitive premiums in some cases as well.
SPEAKER_00Right. And and one thing I think we pride ourselves on a lot here in at Chapman is that our agents, our producers, really understand the products that they are selling. I think that's important, right? Yeah, I'm sure. So yeah, that understanding the product at a deeper level, how does that change the experience for the client?
SPEAKER_01Well, uh off the back, I can tell you rapport is important. Uh, somebody wants to deal with somebody that they feel is a an expert uh at what the subject may be. So the better prepared that your agents are to answer those questions, uh, to provide that assistance, just creates a foundation of trust with that client that they're you're gonna be welcoming onto their business, or maybe adding an additional line of coverage for the business if they already have a home or auto with Chapman. Um, adding a marine product to that uh client's profile is only gonna create that relationship and and strengthen it uh in the long run.
SPEAKER_00Yeah, for sure. And and obviously there we live in South West Florida or Florida as a whole, things happen. Right. You have hurricanes always knocking on the door, right? Always always peeking their way around the corner. And uh if you're insured with Chapman with one thing, it just makes sense to put it all in one house.
SPEAKER_01Absolutely, keep it all in one house and have all your expert opinions in in one place. If you can let them do the the groundwork for you, yeah.
SPEAKER_00Yeah, because when things turn upside down, the last thing you want to do is have to dig through paperwork or emails, or sometimes the paperwork's gone. Yeah in my experience. There was nothing left in the house, right?
SPEAKER_01And even contact three different agents or something.
SPEAKER_00Yes, and figure out who is my guy. Who is um whereas here you just you just you have that relationship with your person.
SPEAKER_01Right. And some people um you know may not even think about this, but something I commonly tell my uh my clients as well when I speak with them is the family insurance agent is as important as the family lawyer and the family doctor, somebody you have to be able to put that trust in. And if you can have it all under one roof uh for all your products of insurance, it's just gonna give you um, you know, that direct access, that comfort, that rapport, and then the peace of mind to know, hey, anything I need, you know, Chapman Insurance Group has my back. So uh I think that's also the importance of having it, you know, streamlined if you could in that one agency.
SPEAKER_00Absolutely. Yeah. And we don't just work with one carrier, right? So we we can put somebody's boat through Norvos insurance and their home through a different insurance carrier. We're really shopping for the best case scenario for their situation.
SPEAKER_01Exactly.
SPEAKER_00So it's custom to them.
SPEAKER_01And that puts you guys in a place where if a submission hits your desk, whether it's for boat, home, auto, um, the idea is that they don't have to go anywhere else because you have all of your companies and then you have partners like Norvos that can check the other companies that you don't have, and then you can say, Hey, I gave a wide range of options and alternatives for this client, and it's gonna better feel in a place to do the business through your office as well.
SPEAKER_00Absolutely. Absolutely. Yeah, and those options are everything.
SPEAKER_01Yeah, for sure.
SPEAKER_00And and there's no extra cost to the client because they went through an agency who's doing the work for them. No extra cost. So yeah, it just makes sense. So, what's something that Chapman Insurance Group does that makes your guys' job a little bit easier or makes the outcome better for your clients?
SPEAKER_01That's an excellent question. And I'll start off by well, I'll start off by saying that. It's an excellent question. Reason why is because some of the other broker partners I may have sometimes maybe don't provide all the necessary details that we may need and uh the information that's really gonna allow us to shop all the markets and make sure that we're giving you not only the best price, but the best endorsements, clauses, and uh policy wording that's gonna, you know, uh be to the best advantage to your client. So Chapman Insurance Group is one of our preferred partners, as I mentioned, um, because you guys do such a good job at thoroughly filling out that application, asking the right questions and providing as much detail as you can beforehand. So there's less questions we have to follow up with and less time wasted in between the quote requests and the quote offering process.
SPEAKER_00Yeah, and less surprises, and not just with boat coverage, right? With with everything, with home insurance, people shopping for a home, they get quoted one thing because not enough questions were asked, and then they come back, they're hit with this, and it's like, well, now we can't afford it.
SPEAKER_01I didn't know I didn't have that, and the conversation wasn't discovered. Right. Exactly.
SPEAKER_00Right. So doing the work up front, yeah, yeah, going that extra mile for sure. So the Florida market, what's really happening? Want to dig into that. So marine insurance in Florida is its own world. What market trends are you seeing right now?
SPEAKER_01Um, so that's an excellent question. Uh, because Florida, like we as we started this conversation with, is practically one of the hurricane holes of the world, uh next to the Caribbean, of course.
SPEAKER_00Yeah, right.
SPEAKER_01Um, which, you know, in in some return, it drives rates sometimes as well, as you know. Um, but one of the changes we're seeing is a lot of carriers are providing options um to help soften uh the blow of a higher premium in the sense of hurricane preparations. So if you're somebody who rather than leave the vessel in water in the slip, um, you know, even trailer it in your backyard, and you can actually try and run the storm cone or find a hurricane hole where you can store the vessel for the period of time while the hurricane is passing, um, they're actually gonna offer you endorsements that'll give you lower premiums if you're willing to go to that extent to protect the vessel. So you don't have to, you can pay this price if it's gonna keep it easy to have the vessel there, or if you're willing to go the extra mile to have it hauled out, have a captain or a skipper take it outside of the storm cone and stuff like that, you're gonna see more favorable uh premiums in return for that as well, too. So the extra effort can lead to some extra savings as well. Okay, yeah.
SPEAKER_00Yeah. And never, never I don't I don't write insurance by the way. So if I say I never knew that, guys, I'm still doing my job, okay? But that's good to know. I think most people don't know that.
SPEAKER_01Yeah, yeah, for sure. Yeah. Yeah. Um kind of and it's nice to have the option to do both. Some people are like, I just flat out cannot move it out of the storm cone in time. I don't have a skipper or a charterer on demand like that that can handle that for me. Um, so you still have the option of keeping it in place or whatever hurricane plan you may already have, but just understand that the price reflects it. And most carriers and most clients understand that too.
SPEAKER_00Right. So you mentioned boat insurance is not mandatory.
SPEAKER_01It is not mandatory.
SPEAKER_00It's not mandatory.
SPEAKER_01So can you think of a time when a good with the exception of it being behind a charter or commercial use of course, but if you're just recreationally using it, pleasure use, technically you're you're not forced by law to have boat insurance right now.
SPEAKER_00Okay.
SPEAKER_01But if you're smart, you should always have it, regardless. Even if uh uh the basic limit of liability to protect yourself from injuries and third-party damages at minimum, I would r recommend having that.
SPEAKER_00Yeah, you don't want something that's supposed to be bringing joy to your life, ruin your life for someone else's for sure. Okay, so think of a time when a policy or a good policy truly made a difference for a client.
SPEAKER_01Um, excellent question again. Um in an example of what I just gave about um having the different endorsements on how you prepared for a storm. Um I had a client who did not have the ability to have his vessel hauled out or have the ability to move it out of the storm cone uh or path. Uh they paid a little bit more for the premium, of course, but they had a specific clause where the vessel was protected as long as it was in the mooring or the garaging, I guess in another term that we use in the insurance world, um, vicinity. So this person actually had their vessel washed up upshore a few miles down uh because of the wind and the waters and the waves, actually pulled it off where it was tied with lines, and they ended up salvaging the vessel like three miles down the street pretty much from where they had it. Wow. And in a lot of cases, that could lead to a claim being denied because some carriers can act on that as if it's a material representation or misrepresentation, excuse me, uh saying you had it here, and then we ended up finding your vessel over there. But because of the clause they had underwritten on that specific policy where they were able to keep it in their home, it was expected to be in that area, not needing to run a storm path or have it hauled out. Uh, the claim was honored. Took a little bit of a fight, but um our team went uh, you know, uh on on record on behalf of that client. Well, pulled out the paperwork, everything that we have, and then shortly after they were able to get it adjusted and paid out.
SPEAKER_00Yeah.
SPEAKER_01So they paid a little more in that scenario, but it's it gave them the peace of mind.
SPEAKER_00Uh well, they would have paid a lot more had they not paid a little bit more.
SPEAKER_01And people don't realize how how much just towing a vessel back or pulling it out of the water if it sinks, how much costs are associated with that process as well. Yeah.
SPEAKER_00Okay. So I know there were some some facts you wanted to share with us today about boat insurance.
SPEAKER_01Um, I guess some of the most common questions that I have, I figured I'd share it with you guys, is um the type of policy forms. A lot of people tell me um that they believe that if they have physical damage or comprehensive cover on the vessel, a lot of the time they're under the assumption that it's automatically agreed value. Agreed value, as it's known in the industry, uh, some synonyms for it, stated value, replacement cost, um, are all essentially the same scope. You pay a little more for what you're insuring on a policy form like agreed value versus an actual cash value because it never sees depreciation. So if you're insuring the vessel for $100,000, doesn't matter if you started today and in five years you have a loss. If you're paying on an agreed value form, if the vessel depreciated in five years from now, you're still gonna be out of that uh $100,000 that you paid for versus actual cash. So it's an option. Some people are like, hey, you know, I want some form of physical damage. If it depreciates in five to seven years, either way, I had it for that long and I understand it's gonna lose some value. So I'm okay with saving a little money on the insurance policy itself. Um, and if it does go down in the event I have a claim, then I'll deal with it that way. Uh the idea when you buy insurance is to think, hey, hopefully I never have to use it, right? So some people go that route. Um, agreed value is an option. Um, another question I get asked a lot about that relates to agreed value is um I have clients that say, hey, you know, I just you know redid the whole deck. I put some new upholstery in, I repowered my engines, this cost me another $120,000. Can this be insured as well? And the answer to that is yes. Okay. Um, in a lot of cases, we just need um um receipts, uh invoices, uh some form of bill of sale that can prove that you've invested those additional values into improving the whole itself, and we can increase that on the insurance policy as needed.
SPEAKER_00Good to know. Yeah. Anything else you want to share about boat insurance?
SPEAKER_01There's a lot I can share about boat insurance, but uh for the sake of time here, uh I'd just go through the most common questions I get. Um, another thing I I would like to share with you is as we stated earlier, um, as a minimum, at least get some form of liability. Even if you're thinking I may not need a full-blown marine insurance policy. Um, with insurance, you never know what you need until you need it. Um, liability policy, especially third-party liability policies nowadays, in most cases, can be bought under $1,000 on an annual basis. So it's not, you know, such an outreach of pocket in that sense to protect yourself and any liability that may arise. Um, so I would always say as a minimum, that's at least a good place to start. Um ask the right questions, make sure you're protected, make sure your your investment is protected. Because at the end of the day, um it's something we want to enjoy uh for a longer term. And uh I would say, you know, do your due diligence.
SPEAKER_00Yeah, you want to be able to protect be able to enjoy paradise and you do not want it to turn into a nightmare. Right.
SPEAKER_01That can happen quickly, especially in Florida. You you know better than I do, right? Um it could be a beautiful beach day out right now, and then 30 minutes from now, it's you know, storms passing by.
SPEAKER_00Or yeah, there's a hurricane coming. Did you guys see this? No, we didn't, and two days later we're getting hit really hard. So yeah, yeah, or just accidents. They're accidents for a reason. You just plans for them to happen, hopefully, right? So I just before before we end this, I want to hear a little bit more about you, the person behind the role. So outside of this industry, who is Alex? What do you do for fun? What are you into?
SPEAKER_01Yeah. Um, so I live in uh Southeast Florida. I'm in Fort Lauderdale. Um, so I'm just across the pond here essentially. Uh, but I love uh a lot of outdoor sports. I love the water sports as well. Okay. Um I share a vessel with my brother-in-law. We do have our own boat, so we take her out and you know, hang out at the sandbar, do some fishing. Um, I'm a big water sports guy as well. I've had three different jet skis. I don't have any now, but I've owned them. Uh the upkeep was a little more than what I had anticipated. Uh, but uh I I again I love being out on the ocean, love being out in the water. Um, I love sports, so I'm always uh at sporting events. You can see me at Miami Dolphins games all the time. Season ticket holder there.
SPEAKER_00Yeah.
SPEAKER_01Um I love catching the Miami Heat as well.
SPEAKER_00So you're gonna invite some Chapman people.
SPEAKER_01Of course. All right. So when you guys are ready, we'll be there. All right, I'm gonna look for that. And then about myself a little bit. Uh I was born and uh raised in Queens, New York. I was there uh No way. I'm from Queens and Logan.
SPEAKER_00Oh, nice at our beach.
SPEAKER_01Oh, that's awesome.
SPEAKER_00Yeah, cool.
SPEAKER_01And then you came, I guess, uh like in your teens or whatnot. So you lived there a little more than I did. I was there till I was about eight years old, which is why I have no accent.
SPEAKER_00You have the East Coast Miami accent, yeah.
SPEAKER_01Um and I've been there since I was eight years old. So I I was uh I guess I can't say raised technically. If I've moved down here, um but I've been in Miami since. Uh I've been doing insurance, as I mentioned, for about 16 years. Um I honestly didn't think this was the niche I was gonna go into as far as insurance. I had some family members that did it. Um I didn't think it was my calling. I kind of thought it was it was slow. I mean, that's the impression I had kind of growing up. But once I got into the business, I really enjoyed what what I do. I still enjoy what I do. Um I like to think that we're giving people peace of mind and we're protecting people um in more than one way. So I I love what I do. Um I don't have any um end or any end in sight, at least. I intend to pick up phones, call, help with quotes when I need to. Um I do it all. And just as uh the CEO, I'm not just thinking about business development and you know sitting at the top. Um I'm under you know, getting my hands dirty with my team as well. I'm very hands-on where I can. So um I enjoy it for sure.
SPEAKER_00Good. And I think that's so important no matter what career you're in. If you enjoy it, it doesn't feel like work.
SPEAKER_01It still feels like let's you know speakless.
SPEAKER_00It still feels like work, but it's it's enjoyable. Yeah.
SPEAKER_01Uh Brian Chapman is gonna be watching this. So yeah, you gotta see it.
SPEAKER_00Well, I mean, just in in the time that I have known you and the communication we have, it's very clear to me that you are on top of your game. So I'm gonna ask you about your morning routine. If there's anything that you do, we we've been asking all of our guests this because the people we have had on are all on top of their game, actually. You guys are all in a league of your own. So what is it that you do that you feel like pumps you up for your day?
SPEAKER_01So um I've recently actually I I made a little change of my own schedule. I was always getting up about 7 a.m. to start my day. You know, I'd have breakfast, um, kind of do a review or overview of my day ahead. Um, but I've been coming, I've been waking up a little earlier in the uh past few months, actually. I'm incorporating a little morning walk, a little more exercise. Yes. Get the creative juices flowing, get the blood going. Um, and I think um mapping out the day, really mapping out your plan of attack for the day, and at least for me, uh writing down the goals that I may have or need for that day to be accomplished, helps keep me in line, helps keep me organized, and I feel that I'm just more productive that way. Uh so my mornings are starting typically typically between 6, 6, 30 a.m. Uh, I try to get some good um creative work, at least for the first two hours of my day. And then I'm typically heading towards the office around 8:30, uh, 9 a.m. Join the team there. We're there until about 5, 5:30. Okay. Um, and then afterwards, uh, I like to get some exercise in as well in the nighttime when I can. I'm on a big plan and a big goal, big mission uh to lose some weight. Uh, I need to be a little more conscious of my health, uh, my health, at least for myself. Yeah. Um, and that's just something that's really it's been it's been refreshing. In the beginning, it was a challenge. Uh, I'm more of a night person if I'm being honest, and a morning person, but um, like they say, you do uh anything for 30 days and it becomes, you know, habit. So that was the biggest challenge. And now I just feel so much better about just this couple of changes in my schedule for sure.
SPEAKER_00Yeah, I'm always preaching that. Just stick with it. It's hard at the beginning. You're a morning person yourself. No, I'm not actually. I'm I I just feel really strongly about sticking with something and creating the habit. I was reading an article about neuroplasticity last night and uh what actually happens in the brain, why things then take hold and it becomes part of who you are. But I also feel really strongly about no, I'm not a morning person, but I started forcing myself up earlier, or I'm not naturally a morning person. But if you can get outside and see the sunrise, yeah, that energizes me more than any cup of coffee can ever. Any espresso, and I love me a good cup of coffee.
SPEAKER_01Yeah, no, totally. I'm uh sometimes even a two-cup per day guy uh in the morning and one after lunch when I start to take that tide. But no, I totally agree with you. Starting your day early does change the uh outlook and a lot of things, and it just puts you that much ahead of your competition if if you can do it. Totally.
SPEAKER_00So I'm gonna ask you a couple questions before we end. One, um you're filling up your your well and taking in information. I'm a big podcaster. I say that all the time. I like to also listen to books. Is there anything that you're listening to right now, reading, that you feel like helps you keep going?
SPEAKER_01Uh it was for pleasure reading. Uh, so it wasn't so much uh, well, you know, it does help me on the professional aspect too, but I just finished The Alchemist. Okay. Um, I thought it was a great book. I've heard about it all the time. Um, I read that one. I didn't do it as an audiobook. Um, one of my other favorite ones is The Art of War. I actually read and did that one as the audiobook. Um I feel like it just shapes your mindset a little bit and helps you kind of uh funnel your minds, uh your thoughts, I should say, create a clearer outlook and perspective and help you accomplish things a little more affirmative. Um help me remove a little more doubt uh in my thought process. And uh those are two that I can recently uh think of.
SPEAKER_00Yeah. No, I think that's great. I think that in a world where people are moving away from sitting down with a good book. Very true, or just you know, they they just want quick information. If you can focus and read about, again, that goes back to that neuroplasticity. You're building something there. We don't want to lose that. Absolutely we don't we don't want to let AI do everything for us and then we're sitting there like empty vessels, right?
SPEAKER_01Yeah, yeah. We're becoming we're in that area a little bit. So it's important that you know we bring that back for ourselves totally. Um, I have a goal um of just one book uh a month.
SPEAKER_00Yeah.
SPEAKER_01So I've been keeping up with that for the last couple of years. I definitely get through 12 books a year. Um, in a lot of cases more, but I think it's uh it's a good place for people to start if they're like, hey, I do want to get into a little more reading or audiobooks. Yeah. One a month. Set that goal and you'll see how easy it is to attain it. And then it'll motivate you to maybe increase that number, right?
SPEAKER_00I love asking that question because anytime I sit down and speak with someone who has found success, it doesn't matter what industry they're in, they all have something in common, which is they're they're reading, they're pushing themselves, they're hitting a personal goal, whether it's fitness or something with their family, like getting up a little bit earlier, they're always tweaking things. And so I love asking that question because I know when I sit down with someone who is successful, you're gonna have an answer for me.
SPEAKER_01Yeah, I love that. Piggyback a little bit off of that comment too, with the fitness uh aspect of it. And like I said, I'm focusing more on my health. It just overall helps me feel better. And if I'm feeling better, I'm gonna project that. And that's the energy that people are gonna perceive and receive from me as well. And uh I think all around it just helps you both personal, personally and professionally. Absolutely.
SPEAKER_00And then you have a team, yeah. And then they're gonna feed off of that energy too. Exactly. And then they're gonna want some of that. And it just keeps on going. So very true. I thank you so much for taking it. No, thank you for having me. I appreciate it.
SPEAKER_01It's been great.
SPEAKER_00Yeah, we appreciate that.
SPEAKER_01And uh, great set of questions there as well. You you really made me think on those. Yeah, but I appreciate it.
SPEAKER_00Sorry, and you're welcome.
SPEAKER_01No, not at all, not at all. Go over here to do. Appreciate your time. Thank you for the time. And for the Chapman Insurance Group, too, guys. Thank you for having me.
SPEAKER_00Yeah, thank you.
SPEAKER_01Thank you.