{"version":"1.0.0","segments":[{"speaker":"Dan Wentz","startTime":23.31,"endTime":25.98,"body":"uncertainty and"},{"speaker":"Dan Wentz","startTime":23.31,"endTime":25.98,"body":"property insurance don't go well"},{"speaker":"Dan Wentz","startTime":25.98,"endTime":28.799999999999997,"body":"together. Fortunately, there are"},{"speaker":"Dan Wentz","startTime":25.98,"endTime":28.799999999999997,"body":"tools that exist that can help"},{"speaker":"Dan Wentz","startTime":28.799999999999997,"endTime":32.129999999999995,"body":"you alleviate the uncertainty."},{"speaker":"Dan Wentz","startTime":28.799999999999997,"endTime":32.129999999999995,"body":"Today we're talking cap modeling"},{"speaker":"Dan Wentz","startTime":32.129999999999995,"endTime":34.83,"body":"tools and how to avoid the"},{"speaker":"Dan Wentz","startTime":32.129999999999995,"endTime":34.83,"body":"uncertainty markup for"},{"speaker":"Dan Wentz","startTime":34.83,"endTime":37.89,"body":"catastrophe coverage. We're"},{"speaker":"Dan Wentz","startTime":34.83,"endTime":37.89,"body":"joined by Colin Morris who is a"},{"speaker":"Dan Wentz","startTime":37.89,"endTime":40.83,"body":"senior risk analyst with CRC"},{"speaker":"Dan Wentz","startTime":37.89,"endTime":40.83,"body":"group's Red Bank, New Jersey"},{"speaker":"Dan Wentz","startTime":40.83,"endTime":44.489999999999995,"body":"office. And also in that same"},{"speaker":"Dan Wentz","startTime":40.83,"endTime":44.489999999999995,"body":"office, David Patagonian, who is"},{"speaker":"Dan Wentz","startTime":44.489999999999995,"endTime":48.0,"body":"the president of CRC group's Red"},{"speaker":"Dan Wentz","startTime":44.489999999999995,"endTime":48.0,"body":"Bank, New Jersey office. He"},{"speaker":"Dan Wentz","startTime":48.0,"endTime":50.7,"body":"specializes in property"},{"speaker":"Dan Wentz","startTime":48.0,"endTime":50.7,"body":"placements, and is an active"},{"speaker":"Dan Wentz","startTime":50.7,"endTime":53.370000000000005,"body":"member of the property practice"},{"speaker":"Dan Wentz","startTime":50.7,"endTime":53.370000000000005,"body":"Advisory Committee. Coming up"},{"speaker":"Dan Wentz","startTime":53.370000000000005,"endTime":55.83,"body":"next, we get rid of the"},{"speaker":"Dan Wentz","startTime":53.370000000000005,"endTime":55.83,"body":"uncertainty with property"},{"speaker":"Dan Wentz","startTime":55.83,"endTime":59.19,"body":"placements. Welcome to the"},{"speaker":"Dan Wentz","startTime":55.83,"endTime":59.19,"body":"placing you first podcast from"},{"speaker":"Dan Wentz","startTime":59.19,"endTime":62.81999999999999,"body":"CRC group. I'm your host, Dan"},{"speaker":"Dan Wentz","startTime":59.19,"endTime":62.81999999999999,"body":"Wentz. And this podcast features"},{"speaker":"Dan Wentz","startTime":62.81999999999999,"endTime":65.88,"body":"news and insights from CRC"},{"speaker":"Dan Wentz","startTime":62.81999999999999,"endTime":65.88,"body":"group's vast knowledge base of"},{"speaker":"Dan Wentz","startTime":65.88,"endTime":71.04,"body":"4300 plus associates who right"},{"speaker":"Dan Wentz","startTime":65.88,"endTime":71.04,"body":"in excess of $23.5 billion of"},{"speaker":"Dan Wentz","startTime":71.04,"endTime":73.98,"body":"premium annually, and we're"},{"speaker":"Dan Wentz","startTime":71.04,"endTime":73.98,"body":"giving you insider access to"},{"speaker":"Dan Wentz","startTime":73.98,"endTime":77.01,"body":"what's happening in our company"},{"speaker":"Dan Wentz","startTime":73.98,"endTime":77.01,"body":"and the types of insurance we"},{"speaker":"Dan Wentz","startTime":77.01,"endTime":81.39,"body":"place. This is the placing you"},{"speaker":"Dan Wentz","startTime":77.01,"endTime":81.39,"body":"first podcast. Okay, so we're"},{"speaker":"Dan Wentz","startTime":81.39,"endTime":85.71,"body":"talking about catastrophe"},{"speaker":"Dan Wentz","startTime":81.39,"endTime":85.71,"body":"coverage today. And the"},{"speaker":"Dan Wentz","startTime":85.74,"endTime":90.84,"body":"uncertainty markup that comes"},{"speaker":"Dan Wentz","startTime":85.74,"endTime":90.84,"body":"with catastrophe coverage. And I"},{"speaker":"Dan Wentz","startTime":90.84,"endTime":94.62,"body":"think that's our first question"},{"speaker":"Dan Wentz","startTime":90.84,"endTime":94.62,"body":"is, David, what exactly is"},{"speaker":"Dan Wentz","startTime":94.62,"endTime":98.61,"body":"uncertainty markup when it comes"},{"speaker":"Dan Wentz","startTime":94.62,"endTime":98.61,"body":"to placing catastrophe risks,"},{"speaker":"David Pagoumian","startTime":98.76,"endTime":102.3,"body":"unfortunately,"},{"speaker":"David Pagoumian","startTime":98.76,"endTime":102.3,"body":"it's basically somewhere down"},{"speaker":"David Pagoumian","startTime":102.3,"endTime":106.59,"body":"the line, someone not getting"},{"speaker":"David Pagoumian","startTime":102.3,"endTime":106.59,"body":"the work complete on what would"},{"speaker":"David Pagoumian","startTime":106.59,"endTime":110.22,"body":"be considered a, a well"},{"speaker":"David Pagoumian","startTime":106.59,"endTime":110.22,"body":"fabricated statement of values"},{"speaker":"David Pagoumian","startTime":110.22,"endTime":114.75,"body":"for property insurance placement"},{"speaker":"David Pagoumian","startTime":110.22,"endTime":114.75,"body":"purposes. You know, good address"},{"speaker":"David Pagoumian","startTime":114.75,"endTime":118.05,"body":"information, good construction"},{"speaker":"David Pagoumian","startTime":114.75,"endTime":118.05,"body":"data going deep on roof"},{"speaker":"David Pagoumian","startTime":118.05,"endTime":122.19,"body":"information. These are the basic"},{"speaker":"David Pagoumian","startTime":118.05,"endTime":122.19,"body":"push ups and sit ups that our"},{"speaker":"David Pagoumian","startTime":122.19,"endTime":126.3,"body":"industry has been talking about"},{"speaker":"David Pagoumian","startTime":122.19,"endTime":126.3,"body":"for years. And so we feel that"},{"speaker":"David Pagoumian","startTime":126.51,"endTime":130.41,"body":"there's still opportunities to"},{"speaker":"David Pagoumian","startTime":126.51,"endTime":130.41,"body":"push continuing to talk about"},{"speaker":"David Pagoumian","startTime":130.41,"endTime":134.25,"body":"it. In fact, then we're even"},{"speaker":"David Pagoumian","startTime":130.41,"endTime":134.25,"body":"going further with that with"},{"speaker":"David Pagoumian","startTime":134.28,"endTime":138.06,"body":"with your efforts in the team on"},{"speaker":"David Pagoumian","startTime":134.28,"endTime":138.06,"body":"the SOV fixer that we're"},{"speaker":"David Pagoumian","startTime":138.06,"endTime":141.75,"body":"building that a retailer sends"},{"speaker":"David Pagoumian","startTime":138.06,"endTime":141.75,"body":"us a statement of values, we put"},{"speaker":"David Pagoumian","startTime":141.75,"endTime":145.29,"body":"it through the machine, it helps"},{"speaker":"David Pagoumian","startTime":141.75,"endTime":145.29,"body":"get it in good order, we pass"},{"speaker":"David Pagoumian","startTime":145.29,"endTime":148.76999999999998,"body":"that back to them, ask them to"},{"speaker":"David Pagoumian","startTime":145.29,"endTime":148.76999999999998,"body":"help complete it. And that's the"},{"speaker":"David Pagoumian","startTime":148.76999999999998,"endTime":154.23,"body":"process that we do to you know,"},{"speaker":"David Pagoumian","startTime":148.76999999999998,"endTime":154.23,"body":"minimize that uncertainty. So I"},{"speaker":"David Pagoumian","startTime":154.23,"endTime":158.67,"body":"know it sounds silly, and some"},{"speaker":"David Pagoumian","startTime":154.23,"endTime":158.67,"body":"things in life do sometimes. But"},{"speaker":"David Pagoumian","startTime":158.67,"endTime":161.73,"body":"it's really just the basics of"},{"speaker":"David Pagoumian","startTime":158.67,"endTime":161.73,"body":"our business, getting good data"},{"speaker":"David Pagoumian","startTime":161.88,"endTime":165.72,"body":"into the machines, the"},{"speaker":"David Pagoumian","startTime":161.88,"endTime":165.72,"body":"underwriters, and their managers"},{"speaker":"David Pagoumian","startTime":165.75,"endTime":170.25,"body":"are not accepting, we just don't"},{"speaker":"David Pagoumian","startTime":165.75,"endTime":170.25,"body":"have that information anymore."},{"speaker":"David Pagoumian","startTime":170.28,"endTime":173.33999999999997,"body":"They're just not accepting that."},{"speaker":"David Pagoumian","startTime":170.28,"endTime":173.33999999999997,"body":"And rightfully so they their"},{"speaker":"David Pagoumian","startTime":173.36999999999998,"endTime":177.48,"body":"value and how they price risk is"},{"speaker":"David Pagoumian","startTime":173.36999999999998,"endTime":177.48,"body":"all connected to the data they"},{"speaker":"David Pagoumian","startTime":177.48,"endTime":177.83999999999997,"body":"bring it."},{"speaker":"Dan Wentz","startTime":178.07999999999998,"endTime":180.45,"body":"And that's, you know,"},{"speaker":"Dan Wentz","startTime":178.07999999999998,"endTime":180.45,"body":"that's that's where we're the"},{"speaker":"Dan Wentz","startTime":180.45,"endTime":184.23,"body":"world, I think, at large is that"},{"speaker":"Dan Wentz","startTime":180.45,"endTime":184.23,"body":"right now is if you can quantify"},{"speaker":"Dan Wentz","startTime":184.23,"endTime":186.89999999999998,"body":"something, we're going to"},{"speaker":"Dan Wentz","startTime":184.23,"endTime":186.89999999999998,"body":"capture the information, we"},{"speaker":"Dan Wentz","startTime":186.89999999999998,"endTime":189.95999999999998,"body":"expect to see it because the"},{"speaker":"Dan Wentz","startTime":186.89999999999998,"endTime":189.95999999999998,"body":"tools exist now, you know, the"},{"speaker":"Dan Wentz","startTime":189.95999999999998,"endTime":194.25,"body":"internet's a thing, data is a"},{"speaker":"Dan Wentz","startTime":189.95999999999998,"endTime":194.25,"body":"thing. So we've got to use it to"},{"speaker":"Dan Wentz","startTime":194.25,"endTime":198.63,"body":"our advantage. Why is it so"},{"speaker":"Dan Wentz","startTime":194.25,"endTime":198.63,"body":"critical to getting the best"},{"speaker":"Dan Wentz","startTime":198.63,"endTime":203.51999999999998,"body":"price on your coverage having an"},{"speaker":"Dan Wentz","startTime":198.63,"endTime":203.51999999999998,"body":"accurate representation of what"},{"speaker":"Dan Wentz","startTime":203.51999999999998,"endTime":204.81,"body":"the risk actually is?"},{"speaker":"David Pagoumian","startTime":205.41,"endTime":207.08999999999997,"body":"Well, there's"},{"speaker":"David Pagoumian","startTime":205.41,"endTime":207.08999999999997,"body":"two sides to that the client"},{"speaker":"David Pagoumian","startTime":207.08999999999997,"endTime":210.17999999999998,"body":"wants to know what their true"},{"speaker":"David Pagoumian","startTime":207.08999999999997,"endTime":210.17999999999998,"body":"calculation of risk is, right."},{"speaker":"David Pagoumian","startTime":210.17999999999998,"endTime":214.07999999999998,"body":"So as an advisor for a specific"},{"speaker":"David Pagoumian","startTime":210.17999999999998,"endTime":214.07999999999998,"body":"class of business, you want to"},{"speaker":"David Pagoumian","startTime":214.07999999999998,"endTime":217.38,"body":"be able to, you know, come up"},{"speaker":"David Pagoumian","startTime":214.07999999999998,"endTime":217.38,"body":"with benchmarking on where the"},{"speaker":"David Pagoumian","startTime":217.38,"endTime":220.44,"body":"catastrophe limits should be"},{"speaker":"David Pagoumian","startTime":217.38,"endTime":220.44,"body":"where the, the, you know, the"},{"speaker":"David Pagoumian","startTime":220.44,"endTime":224.45999999999998,"body":"burn limits are and in that you"},{"speaker":"David Pagoumian","startTime":220.44,"endTime":224.45999999999998,"body":"need good data to be more to"},{"speaker":"David Pagoumian","startTime":224.45999999999998,"endTime":228.03,"body":"have more predictability. On the"},{"speaker":"David Pagoumian","startTime":224.45999999999998,"endTime":228.03,"body":"other side, the underwriters"},{"speaker":"David Pagoumian","startTime":228.03,"endTime":232.70999999999998,"body":"can't deploy capital unless they"},{"speaker":"David Pagoumian","startTime":228.03,"endTime":232.70999999999998,"body":"have proper data that aligns"},{"speaker":"David Pagoumian","startTime":232.70999999999998,"endTime":236.79,"body":"with their metrics. So, again,"},{"speaker":"David Pagoumian","startTime":232.70999999999998,"endTime":236.79,"body":"basic stuff that we're all"},{"speaker":"David Pagoumian","startTime":236.79,"endTime":239.82,"body":"holding ourselves all"},{"speaker":"David Pagoumian","startTime":236.79,"endTime":239.82,"body":"accountable for, as an industry."},{"speaker":"David Pagoumian","startTime":240.06,"endTime":243.35999999999999,"body":"You know, obviously, our group"},{"speaker":"David Pagoumian","startTime":240.06,"endTime":243.35999999999999,"body":"is sort of on the frontier of"},{"speaker":"David Pagoumian","startTime":243.35999999999999,"endTime":247.5,"body":"that with the SOV fixer, and"},{"speaker":"David Pagoumian","startTime":243.35999999999999,"endTime":247.5,"body":"obviously the I love data"},{"speaker":"David Pagoumian","startTime":248.01,"endTime":253.70999999999998,"body":"campaign that started years ago."},{"speaker":"David Pagoumian","startTime":248.01,"endTime":253.70999999999998,"body":"And so certainly very great"},{"speaker":"David Pagoumian","startTime":253.70999999999998,"endTime":255.86999999999998,"body":"stuff happening, but good basic"},{"speaker":"David Pagoumian","startTime":253.70999999999998,"endTime":255.86999999999998,"body":"stuff."},{"speaker":"Dan Wentz","startTime":256.139,"endTime":258.509,"body":"And I was I was"},{"speaker":"Dan Wentz","startTime":256.139,"endTime":258.509,"body":"reading in the report that some"},{"speaker":"Dan Wentz","startTime":258.509,"endTime":262.199,"body":"underwriters actually will"},{"speaker":"Dan Wentz","startTime":258.509,"endTime":262.199,"body":"decline risks if they don't have"},{"speaker":"Dan Wentz","startTime":262.199,"endTime":264.959,"body":"enough information, right? I"},{"speaker":"Dan Wentz","startTime":262.199,"endTime":264.959,"body":"mean, that's, it's in your best"},{"speaker":"Dan Wentz","startTime":264.959,"endTime":266.819,"body":"interest to include all that"},{"speaker":"Dan Wentz","startTime":264.959,"endTime":266.819,"body":"info."},{"speaker":"David Pagoumian","startTime":267.119,"endTime":269.309,"body":"Because now"},{"speaker":"David Pagoumian","startTime":267.119,"endTime":269.309,"body":"they have more choices. Now they"},{"speaker":"David Pagoumian","startTime":269.309,"endTime":272.729,"body":"have more choices of accounts"},{"speaker":"David Pagoumian","startTime":269.309,"endTime":272.729,"body":"that to have that business. And"},{"speaker":"David Pagoumian","startTime":272.729,"endTime":275.849,"body":"if you don't come to the show,"},{"speaker":"David Pagoumian","startTime":272.729,"endTime":275.849,"body":"with with with your good"},{"speaker":"David Pagoumian","startTime":275.849,"endTime":279.149,"body":"information, you're not going to"},{"speaker":"David Pagoumian","startTime":275.849,"endTime":279.149,"body":"be let in, or you will you will,"},{"speaker":"David Pagoumian","startTime":279.149,"endTime":282.419,"body":"but you know, they'll give you"},{"speaker":"David Pagoumian","startTime":279.149,"endTime":282.419,"body":"you know, the far out pricing,"},{"speaker":"David Pagoumian","startTime":282.419,"endTime":286.169,"body":"there's categories to pricing on"},{"speaker":"David Pagoumian","startTime":282.419,"endTime":286.169,"body":"the riders now have loaded"},{"speaker":"David Pagoumian","startTime":286.169,"endTime":289.889,"body":"capital for that, you know, a"},{"speaker":"David Pagoumian","startTime":286.169,"endTime":289.889,"body":"deal like that return Sure,"},{"speaker":"David Pagoumian","startTime":290.039,"endTime":293.399,"body":"we'll do those all day long. So"},{"speaker":"David Pagoumian","startTime":290.039,"endTime":293.399,"body":"correct the data, better"},{"speaker":"David Pagoumian","startTime":293.399,"endTime":294.029,"body":"pricing."},{"speaker":"Dan Wentz","startTime":294.15,"endTime":296.34,"body":"Alright, so let's"},{"speaker":"Dan Wentz","startTime":294.15,"endTime":296.34,"body":"talk about getting that data and"},{"speaker":"Dan Wentz","startTime":296.34,"endTime":300.53999999999996,"body":"displaying it showing it a Colin"},{"speaker":"Dan Wentz","startTime":296.34,"endTime":300.53999999999996,"body":"is our mastermind behind these"},{"speaker":"Dan Wentz","startTime":300.59999999999997,"endTime":305.49,"body":"risk assessment reports that CRC"},{"speaker":"Dan Wentz","startTime":300.59999999999997,"endTime":305.49,"body":"group provides. Colin, can you"},{"speaker":"Dan Wentz","startTime":305.49,"endTime":309.12,"body":"talk a little bit about what is"},{"speaker":"Dan Wentz","startTime":305.49,"endTime":309.12,"body":"the risk reassessment report is"},{"speaker":"Dan Wentz","startTime":309.15,"endTime":310.62,"body":"and what it provides?"},{"speaker":"Colin Morris","startTime":310.83,"endTime":314.03999999999996,"body":"Absolutely. So"},{"speaker":"Colin Morris","startTime":310.83,"endTime":314.03999999999996,"body":"basically, our risk assessment"},{"speaker":"Colin Morris","startTime":314.03999999999996,"endTime":317.34,"body":"reports were created to"},{"speaker":"Colin Morris","startTime":314.03999999999996,"endTime":317.34,"body":"basically you know, provide our"},{"speaker":"Colin Morris","startTime":317.34,"endTime":320.82,"body":"brokers with a sales tool that"},{"speaker":"Colin Morris","startTime":317.34,"endTime":320.82,"body":"you know, they can provide then"},{"speaker":"Colin Morris","startTime":320.82,"endTime":325.22999999999996,"body":"provide to their retailer are"},{"speaker":"Colin Morris","startTime":320.82,"endTime":325.22999999999996,"body":"insured. And, you know, use it"},{"speaker":"Colin Morris","startTime":325.22999999999996,"endTime":327.63,"body":"for a number of different ways."},{"speaker":"Colin Morris","startTime":325.22999999999996,"endTime":327.63,"body":"Sometimes it's getting their"},{"speaker":"Colin Morris","startTime":327.63,"endTime":331.14,"body":"foot in the door with a new"},{"speaker":"Colin Morris","startTime":327.63,"endTime":331.14,"body":"retailer, or if it's, you know,"},{"speaker":"Colin Morris","startTime":331.14,"endTime":334.77,"body":"solidifying an existing"},{"speaker":"Colin Morris","startTime":331.14,"endTime":334.77,"body":"relationship, we see a lot of"},{"speaker":"Colin Morris","startTime":334.77,"endTime":338.31,"body":"times where we'll get the same"},{"speaker":"Colin Morris","startTime":334.77,"endTime":338.31,"body":"account year over year, because"},{"speaker":"Colin Morris","startTime":338.31,"endTime":341.34,"body":"the retailer or the insured"},{"speaker":"Colin Morris","startTime":338.31,"endTime":341.34,"body":"becomes accustomed to receiving"},{"speaker":"Colin Morris","startTime":341.34,"endTime":344.31,"body":"it. And they, you know,"},{"speaker":"Colin Morris","startTime":341.34,"endTime":344.31,"body":"obviously see the benefit in it."},{"speaker":"Colin Morris","startTime":344.72999999999996,"endTime":346.97999999999996,"body":"They're basically they're"},{"speaker":"Colin Morris","startTime":344.72999999999996,"endTime":346.97999999999996,"body":"created using the data provided"},{"speaker":"Colin Morris","startTime":346.97999999999996,"endTime":349.83,"body":"to us in the statement of values"},{"speaker":"Colin Morris","startTime":346.97999999999996,"endTime":349.83,"body":"that Dave alluded to, before"},{"speaker":"Colin Morris","startTime":349.95,"endTime":352.8,"body":"that data is then cleansed and"},{"speaker":"Colin Morris","startTime":349.95,"endTime":352.8,"body":"prepped for the for the cat"},{"speaker":"Colin Morris","startTime":352.8,"endTime":356.94,"body":"models, we utilize both AR and"},{"speaker":"Colin Morris","startTime":352.8,"endTime":356.94,"body":"RMS just to again, provide our"},{"speaker":"Colin Morris","startTime":356.94,"endTime":361.8,"body":"brokers with a complete view of"},{"speaker":"Colin Morris","startTime":356.94,"endTime":361.8,"body":"you know, sort of the risk"},{"speaker":"Colin Morris","startTime":361.8,"endTime":364.46999999999997,"body":"appetite that's out there, some"},{"speaker":"Colin Morris","startTime":361.8,"endTime":364.46999999999997,"body":"markets may be RMS heavy, some"},{"speaker":"Colin Morris","startTime":364.46999999999997,"endTime":367.86,"body":"markets may be AR heavy, some"},{"speaker":"Colin Morris","startTime":364.46999999999997,"endTime":367.86,"body":"may abuse a blend, so we're just"},{"speaker":"Colin Morris","startTime":367.86,"endTime":372.0,"body":"trying to, again, provide our"},{"speaker":"Colin Morris","startTime":367.86,"endTime":372.0,"body":"brokers with as much information"},{"speaker":"Colin Morris","startTime":372.0,"endTime":376.65,"body":"they can, that we can, you know,"},{"speaker":"Colin Morris","startTime":372.0,"endTime":376.65,"body":"essentially, I always like when"},{"speaker":"Colin Morris","startTime":376.65,"endTime":380.90999999999997,"body":"I'm on a call with with a"},{"speaker":"Colin Morris","startTime":376.65,"endTime":380.90999999999997,"body":"retailer or an insured. And our"},{"speaker":"Colin Morris","startTime":380.90999999999997,"endTime":383.82,"body":"brokers, I always like to say"},{"speaker":"Colin Morris","startTime":380.90999999999997,"endTime":383.82,"body":"that our risk assessment sort of"},{"speaker":"Colin Morris","startTime":383.82,"endTime":387.87,"body":"tells the story of a particular"},{"speaker":"Colin Morris","startTime":383.82,"endTime":387.87,"body":"account, we'll begin by"},{"speaker":"Colin Morris","startTime":387.9,"endTime":391.65,"body":"identifying all the underlying"},{"speaker":"Colin Morris","startTime":387.9,"endTime":391.65,"body":"primary code information, your"},{"speaker":"Colin Morris","startTime":391.65,"endTime":396.24,"body":"construction, your occupancy,"},{"speaker":"Colin Morris","startTime":391.65,"endTime":396.24,"body":"the exposure of where it is, and"},{"speaker":"Colin Morris","startTime":396.24,"endTime":401.03999999999996,"body":"you know, the small sort of"},{"speaker":"Colin Morris","startTime":396.24,"endTime":401.03999999999996,"body":"primary steps, or pieces of what"},{"speaker":"Colin Morris","startTime":401.03999999999996,"endTime":404.21999999999997,"body":"goes into the account, how much"},{"speaker":"Colin Morris","startTime":401.03999999999996,"endTime":404.21999999999997,"body":"it's worth where it is. So once"},{"speaker":"Colin Morris","startTime":404.21999999999997,"endTime":406.74,"body":"we present the sort of who,"},{"speaker":"Colin Morris","startTime":404.21999999999997,"endTime":406.74,"body":"what, when, where, why of it,"},{"speaker":"Colin Morris","startTime":407.21999999999997,"endTime":410.94,"body":"then we show our results, and"},{"speaker":"Colin Morris","startTime":407.21999999999997,"endTime":410.94,"body":"you have sort of some context as"},{"speaker":"Colin Morris","startTime":410.94,"endTime":413.90999999999997,"body":"to this is what the account was"},{"speaker":"Colin Morris","startTime":410.94,"endTime":413.90999999999997,"body":"how we analyzed it in here, and"},{"speaker":"Colin Morris","startTime":413.90999999999997,"endTime":417.45,"body":"now the results. So you know,"},{"speaker":"Colin Morris","startTime":413.90999999999997,"endTime":417.45,"body":"we're just really trying to,"},{"speaker":"Colin Morris","startTime":417.45,"endTime":420.87,"body":"again, provide our brokers with"},{"speaker":"Colin Morris","startTime":417.45,"endTime":420.87,"body":"with a sales tool that they can"},{"speaker":"Colin Morris","startTime":420.87,"endTime":422.46,"body":"use in a number of different"},{"speaker":"Colin Morris","startTime":420.87,"endTime":422.46,"body":"ways."},{"speaker":"Dan Wentz","startTime":422.49,"endTime":425.13,"body":"Yeah, so I guess this"},{"speaker":"Dan Wentz","startTime":422.49,"endTime":425.13,"body":"would, you know, this is a"},{"speaker":"Dan Wentz","startTime":425.13,"endTime":427.53,"body":"tremendous benefit to the"},{"speaker":"Dan Wentz","startTime":425.13,"endTime":427.53,"body":"insurance, right? Can you talk a"},{"speaker":"Dan Wentz","startTime":427.53,"endTime":429.12,"body":"little bit about that, how that"},{"speaker":"Dan Wentz","startTime":427.53,"endTime":429.12,"body":"helps them?"},{"speaker":"Colin Morris","startTime":429.51,"endTime":432.09,"body":"Sure. I mean,"},{"speaker":"Colin Morris","startTime":429.51,"endTime":432.09,"body":"again, I think the insurance can"},{"speaker":"Colin Morris","startTime":432.09,"endTime":435.0,"body":"use this in a couple of"},{"speaker":"Colin Morris","startTime":432.09,"endTime":435.0,"body":"different ways. If their their"},{"speaker":"Colin Morris","startTime":435.0,"endTime":437.76,"body":"data is good, and they're have"},{"speaker":"Colin Morris","startTime":435.0,"endTime":437.76,"body":"good faith in it, they can use"},{"speaker":"Colin Morris","startTime":437.76,"endTime":441.0,"body":"those results and have a really"},{"speaker":"Colin Morris","startTime":437.76,"endTime":441.0,"body":"good idea of of pricing as to,"},{"speaker":"Colin Morris","startTime":441.03,"endTime":444.87,"body":"you know, where how much limits"},{"speaker":"Colin Morris","startTime":441.03,"endTime":444.87,"body":"when they may need to buy or,"},{"speaker":"Colin Morris","startTime":444.96,"endTime":447.39,"body":"you know, sort of where they may"},{"speaker":"Colin Morris","startTime":444.96,"endTime":447.39,"body":"fit in a different program"},{"speaker":"Colin Morris","startTime":447.39,"endTime":450.9,"body":"structure. On the flip side of"},{"speaker":"Colin Morris","startTime":447.39,"endTime":450.9,"body":"it, if if there's glaring holes"},{"speaker":"Colin Morris","startTime":450.9,"endTime":453.69,"body":"in the data, and the report sort"},{"speaker":"Colin Morris","startTime":450.9,"endTime":453.69,"body":"of shows that they can come back"},{"speaker":"Colin Morris","startTime":453.69,"endTime":456.63,"body":"and say, Oh, wow, we need to"},{"speaker":"Colin Morris","startTime":453.69,"endTime":456.63,"body":"sort of up our game here, maybe"},{"speaker":"Colin Morris","startTime":456.63,"endTime":459.51,"body":"it's worth having some of these"},{"speaker":"Colin Morris","startTime":456.63,"endTime":459.51,"body":"properties inspected, maybe one"},{"speaker":"Colin Morris","startTime":459.51,"endTime":462.71999999999997,"body":"of the locations is really"},{"speaker":"Colin Morris","startTime":459.51,"endTime":462.71999999999997,"body":"driving the results. And maybe"},{"speaker":"Colin Morris","startTime":462.71999999999997,"endTime":465.39,"body":"they want to sort of carve that"},{"speaker":"Colin Morris","startTime":462.71999999999997,"endTime":465.39,"body":"out and place it somewhere else"},{"speaker":"Colin Morris","startTime":465.42,"endTime":467.43,"body":"that you know, there's there's a"},{"speaker":"Colin Morris","startTime":465.42,"endTime":467.43,"body":"number of different ways that it"},{"speaker":"Colin Morris","startTime":467.43,"endTime":468.84,"body":"can be used by the"},{"speaker":"Dan Wentz","startTime":468.87,"endTime":473.25,"body":"insurance. It's like"},{"speaker":"Dan Wentz","startTime":468.87,"endTime":473.25,"body":"the old GI Joe, quote, knowledge"},{"speaker":"Dan Wentz","startTime":473.25,"endTime":477.18,"body":"is, is half the battle, right?"},{"speaker":"Dan Wentz","startTime":473.25,"endTime":477.18,"body":"So if you know what your your"},{"speaker":"Dan Wentz","startTime":477.18,"endTime":480.81,"body":"risk is, and you can see it, you"},{"speaker":"Dan Wentz","startTime":477.18,"endTime":480.81,"body":"can Yeah, negate it, you can,"},{"speaker":"Dan Wentz","startTime":480.84,"endTime":484.53,"body":"you know, change your pricing by"},{"speaker":"Dan Wentz","startTime":480.84,"endTime":484.53,"body":"including things, not including"},{"speaker":"Dan Wentz","startTime":484.53,"endTime":487.92,"body":"things, updating things. So"},{"speaker":"Dan Wentz","startTime":484.53,"endTime":487.92,"body":"that's pretty powerful. That's"},{"speaker":"Dan Wentz","startTime":487.92,"endTime":492.39,"body":"great. What about so these, you"},{"speaker":"Dan Wentz","startTime":487.92,"endTime":492.39,"body":"know, the error reports, the RMS"},{"speaker":"Dan Wentz","startTime":492.39,"endTime":495.57,"body":"reports, so it's it's been"},{"speaker":"Dan Wentz","startTime":492.39,"endTime":495.57,"body":"industry standard for a while, I"},{"speaker":"Dan Wentz","startTime":495.57,"endTime":498.47999999999996,"body":"would think our underwriter is"},{"speaker":"Dan Wentz","startTime":495.57,"endTime":498.47999999999996,"body":"now asking for more information,"},{"speaker":"Dan Wentz","startTime":498.47999999999996,"endTime":501.87,"body":"just beyond what is being put"},{"speaker":"Dan Wentz","startTime":498.47999999999996,"endTime":501.87,"body":"out? Are they getting more"},{"speaker":"Dan Wentz","startTime":501.87,"endTime":505.11,"body":"detailed in their assets on"},{"speaker":"Dan Wentz","startTime":501.87,"endTime":505.11,"body":"accounts? And either Colin or"},{"speaker":"Dan Wentz","startTime":505.11,"endTime":507.06,"body":"David, you can answer this,"},{"speaker":"Dan Wentz","startTime":505.11,"endTime":507.06,"body":"whoever wants to?"},{"speaker":"David Pagoumian","startTime":507.57,"endTime":509.7,"body":"The answer on"},{"speaker":"David Pagoumian","startTime":507.57,"endTime":509.7,"body":"that is yes. There's always"},{"speaker":"David Pagoumian","startTime":509.7,"endTime":513.99,"body":"specific, deeper dive questions"},{"speaker":"David Pagoumian","startTime":509.7,"endTime":513.99,"body":"that are a result of certain"},{"speaker":"David Pagoumian","startTime":513.99,"endTime":517.62,"body":"classes of business could be"},{"speaker":"David Pagoumian","startTime":513.99,"endTime":517.62,"body":"high hazard manufacturing,"},{"speaker":"David Pagoumian","startTime":517.6800000000001,"endTime":522.39,"body":"particularly on the fire side."},{"speaker":"David Pagoumian","startTime":517.6800000000001,"endTime":522.39,"body":"So the model just acts for"},{"speaker":"David Pagoumian","startTime":522.39,"endTime":525.63,"body":"natural catastrophe perils,"},{"speaker":"David Pagoumian","startTime":522.39,"endTime":525.63,"body":"right. So there's obviously the"},{"speaker":"David Pagoumian","startTime":525.63,"endTime":529.2,"body":"whole fire aspect as well. You"},{"speaker":"David Pagoumian","startTime":525.63,"endTime":529.2,"body":"know, regarding your comment on"},{"speaker":"David Pagoumian","startTime":529.23,"endTime":532.59,"body":"the knowledge part of it, you"},{"speaker":"David Pagoumian","startTime":529.23,"endTime":532.59,"body":"know, I read a while ago, about"},{"speaker":"David Pagoumian","startTime":532.59,"endTime":535.44,"body":"10 years ago, that we were"},{"speaker":"David Pagoumian","startTime":532.59,"endTime":535.44,"body":"entering this knowledge economy,"},{"speaker":"David Pagoumian","startTime":535.44,"endTime":538.7700000000001,"body":"right. And it was these teams"},{"speaker":"David Pagoumian","startTime":535.44,"endTime":538.7700000000001,"body":"that had good knowledge, and how"},{"speaker":"David Pagoumian","startTime":538.7700000000001,"endTime":541.5600000000001,"body":"to deploy that knowledge. And,"},{"speaker":"David Pagoumian","startTime":538.7700000000001,"endTime":541.5600000000001,"body":"you know, you hit the nail right"},{"speaker":"David Pagoumian","startTime":541.5600000000001,"endTime":544.2900000000001,"body":"on the head, it's the knowledge"},{"speaker":"David Pagoumian","startTime":541.5600000000001,"endTime":544.2900000000001,"body":"of understanding how on the"},{"speaker":"David Pagoumian","startTime":544.2900000000001,"endTime":548.94,"body":"writers model, what information"},{"speaker":"David Pagoumian","startTime":544.2900000000001,"endTime":548.94,"body":"goes into how they model it, and"},{"speaker":"David Pagoumian","startTime":548.94,"endTime":551.76,"body":"what are the risk calculations?"},{"speaker":"David Pagoumian","startTime":548.94,"endTime":551.76,"body":"What are the results of that"},{"speaker":"David Pagoumian","startTime":551.76,"endTime":556.0200000000001,"body":"model? And how does it affect"},{"speaker":"David Pagoumian","startTime":551.76,"endTime":556.0200000000001,"body":"your warehouse debt is pumping,"},{"speaker":"David Pagoumian","startTime":556.2,"endTime":559.11,"body":"you know, 50% of your BI"},{"speaker":"David Pagoumian","startTime":556.2,"endTime":559.11,"body":"exposure through that you're"},{"speaker":"David Pagoumian","startTime":559.11,"endTime":564.09,"body":"pumping 50% of your BI exposure"},{"speaker":"David Pagoumian","startTime":559.11,"endTime":564.09,"body":"to and if that got hit with that"},{"speaker":"David Pagoumian","startTime":564.09,"endTime":567.7800000000001,"body":"Armageddon scenario look, like,"},{"speaker":"David Pagoumian","startTime":564.09,"endTime":567.7800000000001,"body":"being able to bring that at a"},{"speaker":"David Pagoumian","startTime":567.7800000000001,"endTime":571.74,"body":"table with a client eliminates a"},{"speaker":"David Pagoumian","startTime":567.7800000000001,"endTime":571.74,"body":"lot of their late night"},{"speaker":"David Pagoumian","startTime":571.74,"endTime":575.13,"body":"concerns, right? You know, I"},{"speaker":"David Pagoumian","startTime":571.74,"endTime":575.13,"body":"have a great insurance program,"},{"speaker":"David Pagoumian","startTime":575.1600000000001,"endTime":578.97,"body":"this insurance broker explained"},{"speaker":"David Pagoumian","startTime":575.1600000000001,"endTime":578.97,"body":"it to me very well got the right"},{"speaker":"David Pagoumian","startTime":578.97,"endTime":583.26,"body":"limits, you know, good policy"},{"speaker":"David Pagoumian","startTime":578.97,"endTime":583.26,"body":"form. And so you bring that"},{"speaker":"David Pagoumian","startTime":583.44,"endTime":586.8000000000001,"body":"knowledge and then also sharing"},{"speaker":"David Pagoumian","startTime":583.44,"endTime":586.8000000000001,"body":"it and making it fun when the"},{"speaker":"David Pagoumian","startTime":586.8000000000001,"endTime":590.73,"body":"customer starts learning about"},{"speaker":"David Pagoumian","startTime":586.8000000000001,"endTime":590.73,"body":"how long the writers are going"},{"speaker":"David Pagoumian","startTime":590.73,"endTime":594.84,"body":"to price risk, it becomes a lot"},{"speaker":"David Pagoumian","startTime":590.73,"endTime":594.84,"body":"easier for us, we're we're not"},{"speaker":"David Pagoumian","startTime":594.84,"endTime":598.1700000000001,"body":"selling anymore, we're"},{"speaker":"David Pagoumian","startTime":594.84,"endTime":598.1700000000001,"body":"facilitating and as"},{"speaker":"David Pagoumian","startTime":598.1700000000001,"endTime":601.26,"body":"distributors, you know, we are"},{"speaker":"David Pagoumian","startTime":598.1700000000001,"endTime":601.26,"body":"in the distribution channel. So"},{"speaker":"David Pagoumian","startTime":601.26,"endTime":604.44,"body":"as distributors as we take the"},{"speaker":"David Pagoumian","startTime":601.26,"endTime":604.44,"body":"friction out of there, you know,"},{"speaker":"David Pagoumian","startTime":604.44,"endTime":608.46,"body":"that that's why, you know, Colin"},{"speaker":"David Pagoumian","startTime":604.44,"endTime":608.46,"body":"does come from a point of view"},{"speaker":"David Pagoumian","startTime":608.46,"endTime":612.0,"body":"of, you know, how we use it in a"},{"speaker":"David Pagoumian","startTime":608.46,"endTime":612.0,"body":"sales process, but, you know,"},{"speaker":"David Pagoumian","startTime":612.0300000000001,"endTime":615.21,"body":"it's a natural sales process. I"},{"speaker":"David Pagoumian","startTime":612.0300000000001,"endTime":615.21,"body":"don't want to suggest that it's"},{"speaker":"David Pagoumian","startTime":615.21,"endTime":619.0200000000001,"body":"not a differentiator anymore,"},{"speaker":"David Pagoumian","startTime":615.21,"endTime":619.0200000000001,"body":"because it all rather it's just"},{"speaker":"David Pagoumian","startTime":619.23,"endTime":622.95,"body":"executing the basics better than"},{"speaker":"David Pagoumian","startTime":619.23,"endTime":622.95,"body":"your competitors. That's what"},{"speaker":"David Pagoumian","startTime":622.95,"endTime":626.5500000000001,"body":"it's coming down to, you know, a"},{"speaker":"David Pagoumian","startTime":622.95,"endTime":626.5500000000001,"body":"football team plays other"},{"speaker":"David Pagoumian","startTime":626.5500000000001,"endTime":630.0,"body":"football teams that are very"},{"speaker":"David Pagoumian","startTime":626.5500000000001,"endTime":630.0,"body":"similar, right? The teams that"},{"speaker":"David Pagoumian","startTime":630.0,"endTime":632.01,"body":"execute better are the ones that"},{"speaker":"David Pagoumian","startTime":630.0,"endTime":632.01,"body":"win."},{"speaker":"Dan Wentz","startTime":632.2800000000001,"endTime":635.01,"body":"Absolutely, David."},{"speaker":"Dan Wentz","startTime":632.2800000000001,"endTime":635.01,"body":"And that's a, you know, it's a"},{"speaker":"Dan Wentz","startTime":635.0400000000001,"endTime":640.23,"body":"it's a super valuable tool. And"},{"speaker":"Dan Wentz","startTime":635.0400000000001,"endTime":640.23,"body":"CRC makes it easy. Maybe calling"},{"speaker":"Dan Wentz","startTime":640.23,"endTime":642.72,"body":"you can tell us how does you"},{"speaker":"Dan Wentz","startTime":640.23,"endTime":642.72,"body":"know how does an agent get"},{"speaker":"Dan Wentz","startTime":642.72,"endTime":647.0400000000001,"body":"started with this? What is the"},{"speaker":"Dan Wentz","startTime":642.72,"endTime":647.0400000000001,"body":"the easiest way? And feel free"},{"speaker":"Dan Wentz","startTime":647.0400000000001,"endTime":649.44,"body":"to plug CRC group in your"},{"speaker":"Dan Wentz","startTime":647.0400000000001,"endTime":649.44,"body":"answer?"},{"speaker":"Colin Morris","startTime":650.1600000000001,"endTime":654.2700000000001,"body":"Absolutely. The"},{"speaker":"Colin Morris","startTime":650.1600000000001,"endTime":654.2700000000001,"body":"easiest way is for an agent to"},{"speaker":"Colin Morris","startTime":654.2700000000001,"endTime":657.9300000000001,"body":"go to their CRC broker. Across"},{"speaker":"Colin Morris","startTime":654.2700000000001,"endTime":657.9300000000001,"body":"the country, we have many"},{"speaker":"Colin Morris","startTime":657.9300000000001,"endTime":662.1,"body":"foreign property brokers. And"},{"speaker":"Colin Morris","startTime":657.9300000000001,"endTime":662.1,"body":"those brokers I've probably done"},{"speaker":"Colin Morris","startTime":662.1,"endTime":664.71,"body":"a report for at some point in"},{"speaker":"Colin Morris","startTime":662.1,"endTime":664.71,"body":"the past, if not hundreds"},{"speaker":"Colin Morris","startTime":664.74,"endTime":668.46,"body":"already. So most of our brokers"},{"speaker":"Colin Morris","startTime":664.74,"endTime":668.46,"body":"are pretty well in tune with the"},{"speaker":"Colin Morris","startTime":668.46,"endTime":672.72,"body":"process. But we do have a"},{"speaker":"Colin Morris","startTime":668.46,"endTime":672.72,"body":"dedicated email box property"},{"speaker":"Colin Morris","startTime":672.72,"endTime":676.98,"body":"reports at CRC group.com. And"},{"speaker":"Colin Morris","startTime":672.72,"endTime":676.98,"body":"brokers will send the requests"},{"speaker":"Colin Morris","startTime":676.98,"endTime":680.7,"body":"in there, along with you know,"},{"speaker":"Colin Morris","startTime":676.98,"endTime":680.7,"body":"the most up to date. SOV, that's"},{"speaker":"Colin Morris","startTime":680.73,"endTime":682.9200000000001,"body":"probably one of the more"},{"speaker":"Colin Morris","startTime":680.73,"endTime":682.9200000000001,"body":"important pieces obviously,"},{"speaker":"Colin Morris","startTime":683.5500000000001,"endTime":686.49,"body":"along with a list of any perils"},{"speaker":"Colin Morris","startTime":683.5500000000001,"endTime":686.49,"body":"they want, you know, we run"},{"speaker":"Colin Morris","startTime":686.49,"endTime":689.61,"body":"everything from named wind to"},{"speaker":"Colin Morris","startTime":686.49,"endTime":689.61,"body":"convective when including"},{"speaker":"Colin Morris","startTime":689.61,"endTime":693.21,"body":"tornadoes, inland flood,"},{"speaker":"Colin Morris","startTime":689.61,"endTime":693.21,"body":"earthquake, obviously,"},{"speaker":"Colin Morris","startTime":693.48,"endTime":697.0200000000001,"body":"terrorism, wildfire, the list"},{"speaker":"Colin Morris","startTime":693.48,"endTime":697.0200000000001,"body":"goes on. So we have a lot of"},{"speaker":"Colin Morris","startTime":697.0200000000001,"endTime":701.97,"body":"capabilities with both AR and"},{"speaker":"Colin Morris","startTime":697.0200000000001,"endTime":701.97,"body":"RMS. So you know, a list of the"},{"speaker":"Colin Morris","startTime":702.9300000000001,"endTime":706.6800000000001,"body":"perils they want run any"},{"speaker":"Colin Morris","startTime":702.9300000000001,"endTime":706.6800000000001,"body":"deductibles, or limits or layers"},{"speaker":"Colin Morris","startTime":706.6800000000001,"endTime":709.5,"body":"they want included any of that"},{"speaker":"Colin Morris","startTime":706.6800000000001,"endTime":709.5,"body":"great stuff. And once it's in"},{"speaker":"Colin Morris","startTime":709.5,"endTime":712.8900000000001,"body":"our system, I get it onto our"},{"speaker":"Colin Morris","startTime":709.5,"endTime":712.8900000000001,"body":"queue and typical turnaround"},{"speaker":"Colin Morris","startTime":712.8900000000001,"endTime":717.36,"body":"time, probably about 24 to 48"},{"speaker":"Colin Morris","startTime":712.8900000000001,"endTime":717.36,"body":"hours. Wow, quick, yeah, we've"},{"speaker":"Colin Morris","startTime":717.57,"endTime":720.21,"body":"increased our efficiency every"},{"speaker":"Colin Morris","startTime":717.57,"endTime":720.21,"body":"single year since we've started"},{"speaker":"Colin Morris","startTime":720.21,"endTime":723.8100000000001,"body":"this, and we're about seven"},{"speaker":"Colin Morris","startTime":720.21,"endTime":723.8100000000001,"body":"years into the process."},{"speaker":"Dan Wentz","startTime":724.0200000000001,"endTime":726.96,"body":"So we've got a"},{"speaker":"Dan Wentz","startTime":724.0200000000001,"endTime":726.96,"body":"successful track record, if you"},{"speaker":"Dan Wentz","startTime":726.96,"endTime":730.23,"body":"will, of running these reports,"},{"speaker":"Dan Wentz","startTime":726.96,"endTime":730.23,"body":"turning them quickly, and"},{"speaker":"Dan Wentz","startTime":730.23,"endTime":733.9200000000001,"body":"getting people the data they"},{"speaker":"Dan Wentz","startTime":730.23,"endTime":733.9200000000001,"body":"need to succeed. Did we miss"},{"speaker":"Dan Wentz","startTime":733.9200000000001,"endTime":735.3900000000001,"body":"anything? Guys? You did,"},{"speaker":"David Pagoumian","startTime":735.389,"endTime":738.8090000000001,"body":"Dan, you missed"},{"speaker":"David Pagoumian","startTime":735.389,"endTime":738.8090000000001,"body":"that if if you added the"},{"speaker":"David Pagoumian","startTime":738.839,"endTime":742.379,"body":"specifications for a deal, the"},{"speaker":"David Pagoumian","startTime":738.839,"endTime":742.379,"body":"limits and the coverage being"},{"speaker":"David Pagoumian","startTime":742.379,"endTime":746.369,"body":"sought. And you also added the"},{"speaker":"David Pagoumian","startTime":742.379,"endTime":746.369,"body":"loss history. And the risk"},{"speaker":"David Pagoumian","startTime":746.369,"endTime":748.979,"body":"assessment report, your"},{"speaker":"David Pagoumian","startTime":746.369,"endTime":748.979,"body":"submission would be complete. So"},{"speaker":"David Pagoumian","startTime":749.0690000000001,"endTime":752.5790000000001,"body":"said differently. The reports"},{"speaker":"David Pagoumian","startTime":749.0690000000001,"endTime":752.5790000000001,"body":"that Colin and his team provide"},{"speaker":"David Pagoumian","startTime":752.5790000000001,"endTime":757.3190000000001,"body":"for us, we utilize as almost"},{"speaker":"David Pagoumian","startTime":752.5790000000001,"endTime":757.3190000000001,"body":"completing our submission, it"},{"speaker":"David Pagoumian","startTime":757.3190000000001,"endTime":760.739,"body":"completes our submission by 80%"},{"speaker":"David Pagoumian","startTime":757.3190000000001,"endTime":760.739,"body":"to the market because the"},{"speaker":"David Pagoumian","startTime":760.739,"endTime":763.889,"body":"markets getting a good summary"},{"speaker":"David Pagoumian","startTime":760.739,"endTime":763.889,"body":"of risk. And they're able to"},{"speaker":"David Pagoumian","startTime":763.889,"endTime":767.6990000000001,"body":"speak to their management at the"},{"speaker":"David Pagoumian","startTime":763.889,"endTime":767.6990000000001,"body":"coffee tables and saying look at"},{"speaker":"David Pagoumian","startTime":767.6990000000001,"endTime":771.0590000000001,"body":"this nice summary of risks that"},{"speaker":"David Pagoumian","startTime":767.6990000000001,"endTime":771.0590000000001,"body":"I have here is this one that we"},{"speaker":"David Pagoumian","startTime":771.0590000000001,"endTime":774.2990000000001,"body":"want to move forward. So we're"},{"speaker":"David Pagoumian","startTime":771.0590000000001,"endTime":774.2990000000001,"body":"able to know pretty quickly"},{"speaker":"David Pagoumian","startTime":774.389,"endTime":777.149,"body":"whether or not something's going"},{"speaker":"David Pagoumian","startTime":774.389,"endTime":777.149,"body":"to move forward or not. And that"},{"speaker":"David Pagoumian","startTime":777.2990000000001,"endTime":780.2990000000001,"body":"is a whole separate podcast if"},{"speaker":"David Pagoumian","startTime":777.2990000000001,"endTime":780.2990000000001,"body":"you want to talk about speed in"},{"speaker":"David Pagoumian","startTime":780.2990000000001,"endTime":781.0490000000001,"body":"this business,"},{"speaker":"Dan Wentz","startTime":781.08,"endTime":783.45,"body":"oh yeah, puts it to"},{"speaker":"Dan Wentz","startTime":781.08,"endTime":783.45,"body":"the top of this submission box"},{"speaker":"Dan Wentz","startTime":783.48,"endTime":786.0300000000001,"body":"when they see a nice clean"},{"speaker":"Dan Wentz","startTime":783.48,"endTime":786.0300000000001,"body":"submission and they know that"},{"speaker":"Dan Wentz","startTime":786.0300000000001,"endTime":788.6400000000001,"body":"the CRC brokers are going to be"},{"speaker":"Dan Wentz","startTime":786.0300000000001,"endTime":788.6400000000001,"body":"sending that over to them. We've"},{"speaker":"Dan Wentz","startTime":788.6400000000001,"endTime":792.72,"body":"got a reputation for that. So in"},{"speaker":"Dan Wentz","startTime":788.6400000000001,"endTime":792.72,"body":"summary, if you're writing"},{"speaker":"Dan Wentz","startTime":792.72,"endTime":795.84,"body":"catastrophe risk, you need one"},{"speaker":"Dan Wentz","startTime":792.72,"endTime":795.84,"body":"of these reports right? So get"},{"speaker":"Dan Wentz","startTime":795.84,"endTime":799.0500000000001,"body":"with your CRC broker, you can"},{"speaker":"Dan Wentz","startTime":795.84,"endTime":799.0500000000001,"body":"find one online at CRC group.com"},{"speaker":"Dan Wentz","startTime":799.0500000000001,"endTime":802.11,"body":"Search for producers. We've got"},{"speaker":"Dan Wentz","startTime":799.0500000000001,"endTime":802.11,"body":"a handy dandy database up there"},{"speaker":"Dan Wentz","startTime":802.11,"endTime":804.69,"body":"to find someone near you who"},{"speaker":"Dan Wentz","startTime":802.11,"endTime":804.69,"body":"writes the types of business"},{"speaker":"Dan Wentz","startTime":804.69,"endTime":807.69,"body":"you're dealing in and they can"},{"speaker":"Dan Wentz","startTime":804.69,"endTime":807.69,"body":"help you out. Well, David,"},{"speaker":"Dan Wentz","startTime":807.7800000000001,"endTime":811.47,"body":"Colin, thank you very much for"},{"speaker":"Dan Wentz","startTime":807.7800000000001,"endTime":811.47,"body":"having me. Cast today. Hope to"},{"speaker":"Dan Wentz","startTime":811.47,"endTime":814.0500000000001,"body":"talk to you guys. Yeah, hope to"},{"speaker":"Dan Wentz","startTime":811.47,"endTime":814.0500000000001,"body":"talk to you guys again soon."}]}