{"version":"1.0.0","segments":[{"speaker":"Dan Wentz","startTime":22.62,"endTime":25.38,"body":"Americans learn just"},{"speaker":"Dan Wentz","startTime":22.62,"endTime":25.38,"body":"how vital the trucking industry"},{"speaker":"Dan Wentz","startTime":25.38,"endTime":28.799999999999997,"body":"is to daily life during the"},{"speaker":"Dan Wentz","startTime":25.38,"endTime":28.799999999999997,"body":"early days of the covid 19"},{"speaker":"Dan Wentz","startTime":28.799999999999997,"endTime":32.19,"body":"pandemic. truck drivers from all"},{"speaker":"Dan Wentz","startTime":28.799999999999997,"endTime":32.19,"body":"across the country witnessed an"},{"speaker":"Dan Wentz","startTime":32.22,"endTime":35.91,"body":"outpouring of public recognition"},{"speaker":"Dan Wentz","startTime":32.22,"endTime":35.91,"body":"and gratitude as the nation"},{"speaker":"Dan Wentz","startTime":35.91,"endTime":39.629999999999995,"body":"coped with shipping delays and"},{"speaker":"Dan Wentz","startTime":35.91,"endTime":39.629999999999995,"body":"supply shortages. As the economy"},{"speaker":"Dan Wentz","startTime":39.629999999999995,"endTime":42.69,"body":"works to recover. trucking will"},{"speaker":"Dan Wentz","startTime":39.629999999999995,"endTime":42.69,"body":"continue to play an essential"},{"speaker":"Dan Wentz","startTime":42.69,"endTime":45.629999999999995,"body":"role, making it more important"},{"speaker":"Dan Wentz","startTime":42.69,"endTime":45.629999999999995,"body":"than ever that trucking"},{"speaker":"Dan Wentz","startTime":45.629999999999995,"endTime":48.9,"body":"companies protect business"},{"speaker":"Dan Wentz","startTime":45.629999999999995,"endTime":48.9,"body":"operations often overlooked"},{"speaker":"Dan Wentz","startTime":48.96,"endTime":52.32,"body":"occupational Accident Insurance"},{"speaker":"Dan Wentz","startTime":48.96,"endTime":52.32,"body":"should be a key component of any"},{"speaker":"Dan Wentz","startTime":52.32,"endTime":55.019999999999996,"body":"trucking company's risk"},{"speaker":"Dan Wentz","startTime":52.32,"endTime":55.019999999999996,"body":"management program. Today we"},{"speaker":"Dan Wentz","startTime":55.019999999999996,"endTime":58.290000000000006,"body":"check in with Alec Turco. He's a"},{"speaker":"Dan Wentz","startTime":55.019999999999996,"endTime":58.290000000000006,"body":"managing underwriter and office"},{"speaker":"Dan Wentz","startTime":58.290000000000006,"endTime":61.019999999999996,"body":"president with fivestar"},{"speaker":"Dan Wentz","startTime":58.290000000000006,"endTime":61.019999999999996,"body":"specialty programs a division of"},{"speaker":"Dan Wentz","startTime":61.019999999999996,"endTime":64.44,"body":"CRC group, Alec and his team"},{"speaker":"Dan Wentz","startTime":61.019999999999996,"endTime":64.44,"body":"specialize in providing trucking"},{"speaker":"Dan Wentz","startTime":64.44,"endTime":67.62,"body":"Insurance Solutions in the for"},{"speaker":"Dan Wentz","startTime":64.44,"endTime":67.62,"body":"hire trucking leased owner"},{"speaker":"Dan Wentz","startTime":67.62,"endTime":70.8,"body":"operator and public auto spaces."},{"speaker":"Dan Wentz","startTime":67.62,"endTime":70.8,"body":"He's going to get us up to date"},{"speaker":"Dan Wentz","startTime":70.8,"endTime":74.55,"body":"with occupational accident"},{"speaker":"Dan Wentz","startTime":70.8,"endTime":74.55,"body":"coverage next, welcome to the"},{"speaker":"Dan Wentz","startTime":74.55,"endTime":78.06,"body":"placing you first podcast from"},{"speaker":"Dan Wentz","startTime":74.55,"endTime":78.06,"body":"CRC group. I'm your host Dan"},{"speaker":"Dan Wentz","startTime":78.06,"endTime":81.36,"body":"Wentz. And this podcast features"},{"speaker":"Dan Wentz","startTime":78.06,"endTime":81.36,"body":"news and insights from CRC"},{"speaker":"Dan Wentz","startTime":81.36,"endTime":85.26,"body":"group's vast knowledge base of"},{"speaker":"Dan Wentz","startTime":81.36,"endTime":85.26,"body":"4300 plus associates who right"},{"speaker":"Dan Wentz","startTime":85.26,"endTime":89.49000000000001,"body":"in excess of $23.5 billion of"},{"speaker":"Dan Wentz","startTime":85.26,"endTime":89.49000000000001,"body":"premium annually, and we're"},{"speaker":"Dan Wentz","startTime":89.49000000000001,"endTime":92.58,"body":"giving you insider access to"},{"speaker":"Dan Wentz","startTime":89.49000000000001,"endTime":92.58,"body":"what's happening in our company"},{"speaker":"Dan Wentz","startTime":92.7,"endTime":96.51,"body":"and the types of insurance we"},{"speaker":"Dan Wentz","startTime":92.7,"endTime":96.51,"body":"place. This is the placing you"},{"speaker":"Dan Wentz","startTime":96.51,"endTime":99.57000000000001,"body":"first podcast got to admit I"},{"speaker":"Dan Wentz","startTime":96.51,"endTime":99.57000000000001,"body":"don't know much about this,"},{"speaker":"Dan Wentz","startTime":99.57000000000001,"endTime":104.19,"body":"Alex. So my first question is"},{"speaker":"Dan Wentz","startTime":99.57000000000001,"endTime":104.19,"body":"going to be what is occupational"},{"speaker":"Dan Wentz","startTime":104.19,"endTime":106.83,"body":"accident coverage. And why do we"},{"speaker":"Dan Wentz","startTime":104.19,"endTime":106.83,"body":"need it?"},{"speaker":"Alek Turko","startTime":107.07000000000001,"endTime":108.96000000000001,"body":"No, absolutely."},{"speaker":"Alek Turko","startTime":107.07000000000001,"endTime":108.96000000000001,"body":"First, and thank you for having"},{"speaker":"Alek Turko","startTime":108.96000000000001,"endTime":112.53,"body":"me on today. I always like to"},{"speaker":"Alek Turko","startTime":108.96000000000001,"endTime":112.53,"body":"start off by saying what"},{"speaker":"Alek Turko","startTime":112.53,"endTime":117.48,"body":"truckers occupational accident"},{"speaker":"Alek Turko","startTime":112.53,"endTime":117.48,"body":"is not. It's not workers"},{"speaker":"Alek Turko","startTime":117.48,"endTime":122.07000000000001,"body":"compensation insurance. Workers"},{"speaker":"Alek Turko","startTime":117.48,"endTime":122.07000000000001,"body":"Compensation offers statutory"},{"speaker":"Alek Turko","startTime":122.07000000000001,"endTime":126.27,"body":"benefits and also includes"},{"speaker":"Alek Turko","startTime":122.07000000000001,"endTime":126.27,"body":"employers liability coverage,"},{"speaker":"Alek Turko","startTime":126.72,"endTime":129.99,"body":"whereas occupational accident"},{"speaker":"Alek Turko","startTime":126.72,"endTime":129.99,"body":"coverage provides a variety of"},{"speaker":"Alek Turko","startTime":129.99,"endTime":133.14,"body":"benefits but with the fine"},{"speaker":"Alek Turko","startTime":129.99,"endTime":133.14,"body":"limits in place for each"},{"speaker":"Alek Turko","startTime":133.14,"endTime":137.54999999999998,"body":"coverage within a typical"},{"speaker":"Alek Turko","startTime":133.14,"endTime":137.54999999999998,"body":"policy. truckers occupational"},{"speaker":"Alek Turko","startTime":137.54999999999998,"endTime":141.63,"body":"accident is designed for our"},{"speaker":"Alek Turko","startTime":137.54999999999998,"endTime":141.63,"body":"owner operators and independent"},{"speaker":"Alek Turko","startTime":141.63,"endTime":145.35,"body":"contractors who are not"},{"speaker":"Alek Turko","startTime":141.63,"endTime":145.35,"body":"employees of the trucking"},{"speaker":"Alek Turko","startTime":145.35,"endTime":149.25,"body":"company, but rather are leased"},{"speaker":"Alek Turko","startTime":145.35,"endTime":149.25,"body":"into a motor carrier, which is"},{"speaker":"Alek Turko","startTime":149.25,"endTime":152.51999999999998,"body":"the trucking company for the"},{"speaker":"Alek Turko","startTime":149.25,"endTime":152.51999999999998,"body":"sole purpose of transporting"},{"speaker":"Alek Turko","startTime":152.51999999999998,"endTime":156.66,"body":"loads for that carrier."},{"speaker":"Alek Turko","startTime":152.51999999999998,"endTime":156.66,"body":"Typically, a written lease"},{"speaker":"Alek Turko","startTime":156.66,"endTime":160.32,"body":"agreement should be in place"},{"speaker":"Alek Turko","startTime":156.66,"endTime":160.32,"body":"between the motor carrier and"},{"speaker":"Alek Turko","startTime":160.32,"endTime":162.66,"body":"the owner, operator and"},{"speaker":"Alek Turko","startTime":160.32,"endTime":162.66,"body":"independent contractor."},{"speaker":"Alek Turko","startTime":163.32,"endTime":167.82,"body":"Occupational accident coverage"},{"speaker":"Alek Turko","startTime":163.32,"endTime":167.82,"body":"will provide benefits for"},{"speaker":"Alek Turko","startTime":167.82,"endTime":172.17,"body":"accidental death, dismemberment,"},{"speaker":"Alek Turko","startTime":167.82,"endTime":172.17,"body":"accidental medical and"},{"speaker":"Alek Turko","startTime":172.17,"endTime":175.98,"body":"disability benefits. We have"},{"speaker":"Alek Turko","startTime":172.17,"endTime":175.98,"body":"options in place for writing"},{"speaker":"Alek Turko","startTime":176.01,"endTime":181.01999999999998,"body":"individual life policies here at"},{"speaker":"Alek Turko","startTime":176.01,"endTime":181.01999999999998,"body":"five star and also have several"},{"speaker":"Alek Turko","startTime":181.01999999999998,"endTime":184.85999999999999,"body":"carriers available for writing"},{"speaker":"Alek Turko","startTime":181.01999999999998,"endTime":184.85999999999999,"body":"any larger risks starting with"},{"speaker":"Alek Turko","startTime":184.85999999999999,"endTime":190.44,"body":"10 or more lives on a separate"},{"speaker":"Alek Turko","startTime":184.85999999999999,"endTime":190.44,"body":"group policy. In addition to the"},{"speaker":"Alek Turko","startTime":190.44,"endTime":195.08999999999997,"body":"occupational accident coverage"},{"speaker":"Alek Turko","startTime":190.44,"endTime":195.08999999999997,"body":"for a group policy, we can offer"},{"speaker":"Alek Turko","startTime":195.23999999999998,"endTime":200.39999999999998,"body":"other additional coverages such"},{"speaker":"Alek Turko","startTime":195.23999999999998,"endTime":200.39999999999998,"body":"as contingent liability, for"},{"speaker":"Alek Turko","startTime":200.39999999999998,"endTime":204.6,"body":"group policy that we have in"},{"speaker":"Alek Turko","startTime":200.39999999999998,"endTime":204.6,"body":"place, or even true work comp"},{"speaker":"Alek Turko","startTime":204.6,"endTime":208.26,"body":"coverage to cover any of the"},{"speaker":"Alek Turko","startTime":204.6,"endTime":208.26,"body":"clerical employees mechanics or"},{"speaker":"Alek Turko","startTime":208.26,"endTime":211.10999999999999,"body":"company drivers said any of"},{"speaker":"Alek Turko","startTime":208.26,"endTime":211.10999999999999,"body":"these trucking companies may"},{"speaker":"Alek Turko","startTime":211.10999999999999,"endTime":215.07,"body":"have alongside these owner"},{"speaker":"Alek Turko","startTime":211.10999999999999,"endTime":215.07,"body":"operators. And since I've"},{"speaker":"Alek Turko","startTime":215.07,"endTime":218.57999999999998,"body":"mentioned it, I'll kind of give"},{"speaker":"Alek Turko","startTime":215.07,"endTime":218.57999999999998,"body":"a definition of what contingent"},{"speaker":"Alek Turko","startTime":218.57999999999998,"endTime":221.67,"body":"liability coverages it's"},{"speaker":"Alek Turko","startTime":218.57999999999998,"endTime":221.67,"body":"basically a coverage that will"},{"speaker":"Alek Turko","startTime":221.67,"endTime":226.58999999999997,"body":"protect the motor carrier should"},{"speaker":"Alek Turko","startTime":221.67,"endTime":226.58999999999997,"body":"an owner operator or contract"},{"speaker":"Alek Turko","startTime":226.58999999999997,"endTime":230.67,"body":"driver initiate an action"},{"speaker":"Alek Turko","startTime":226.58999999999997,"endTime":230.67,"body":"claiming to be an employee"},{"speaker":"Alek Turko","startTime":230.97,"endTime":233.91,"body":"rather than an independent"},{"speaker":"Alek Turko","startTime":230.97,"endTime":233.91,"body":"contractor while demanding"},{"speaker":"Alek Turko","startTime":234.29999999999998,"endTime":236.85,"body":"Workers Compensation benefits."},{"speaker":"Alek Turko","startTime":234.29999999999998,"endTime":236.85,"body":"This is"},{"speaker":"Dan Wentz","startTime":236.85,"endTime":238.95,"body":"the thing about"},{"speaker":"Dan Wentz","startTime":236.85,"endTime":238.95,"body":"insurance that always interests"},{"speaker":"Dan Wentz","startTime":238.95,"endTime":243.23999999999998,"body":"me is all these things you don't"},{"speaker":"Dan Wentz","startTime":238.95,"endTime":243.23999999999998,"body":"think about. It could happen"},{"speaker":"Dan Wentz","startTime":243.23999999999998,"endTime":245.33999999999997,"body":"like that right there. I mean, I"},{"speaker":"Dan Wentz","startTime":243.23999999999998,"endTime":245.33999999999997,"body":"would have never in a million"},{"speaker":"Dan Wentz","startTime":245.33999999999997,"endTime":248.97,"body":"years thought that that could be"},{"speaker":"Dan Wentz","startTime":245.33999999999997,"endTime":248.97,"body":"a problem for an owner operator."},{"speaker":"Dan Wentz","startTime":249.06,"endTime":252.89999999999998,"body":"Right. But it's there. So"},{"speaker":"Dan Wentz","startTime":249.06,"endTime":252.89999999999998,"body":"definitely insurance for it. So"},{"speaker":"Dan Wentz","startTime":252.89999999999998,"endTime":256.53000000000003,"body":"obviously, you know, we've had"},{"speaker":"Dan Wentz","startTime":252.89999999999998,"endTime":256.53000000000003,"body":"issues in the past with it. So"},{"speaker":"Dan Wentz","startTime":256.53000000000003,"endTime":260.61,"body":"basically, this is just going to"},{"speaker":"Dan Wentz","startTime":256.53000000000003,"endTime":260.61,"body":"cover going back to occupational"},{"speaker":"Dan Wentz","startTime":260.61,"endTime":264.66,"body":"accident coverage, independent"},{"speaker":"Dan Wentz","startTime":260.61,"endTime":264.66,"body":"owner operators, right, who are"},{"speaker":"Dan Wentz","startTime":264.66,"endTime":266.7,"body":"working under a trucking"},{"speaker":"Dan Wentz","startTime":264.66,"endTime":266.7,"body":"company's authority because"},{"speaker":"Dan Wentz","startTime":266.7,"endTime":269.91,"body":"they're basically not employees"},{"speaker":"Dan Wentz","startTime":266.7,"endTime":269.91,"body":"of the trucking company. So"},{"speaker":"Dan Wentz","startTime":269.91,"endTime":273.18,"body":"they're not, they're not, they"},{"speaker":"Dan Wentz","startTime":269.91,"endTime":273.18,"body":"don't get a piece of the normal"},{"speaker":"Dan Wentz","startTime":273.18,"endTime":278.01,"body":"benefits from them. Great. So"},{"speaker":"Dan Wentz","startTime":273.18,"endTime":278.01,"body":"why is this so important? Like"},{"speaker":"Dan Wentz","startTime":278.01,"endTime":281.82,"body":"what is? I guess there's"},{"speaker":"Dan Wentz","startTime":278.01,"endTime":281.82,"body":"probably a lot of truck drivers"},{"speaker":"Dan Wentz","startTime":281.82,"endTime":284.64,"body":"out there that need this right."},{"speaker":"Dan Wentz","startTime":281.82,"endTime":284.64,"body":"They're operating independently."},{"speaker":"Alek Turko","startTime":286.589,"endTime":289.319,"body":"Absolutely. So we,"},{"speaker":"Alek Turko","startTime":286.589,"endTime":289.319,"body":"truckers occupational accident"},{"speaker":"Alek Turko","startTime":289.319,"endTime":292.55899999999997,"body":"coverage is in my opinion"},{"speaker":"Alek Turko","startTime":289.319,"endTime":292.55899999999997,"body":"extremely important for not only"},{"speaker":"Alek Turko","startTime":292.55899999999997,"endTime":296.069,"body":"the owner operator, or"},{"speaker":"Alek Turko","startTime":292.55899999999997,"endTime":296.069,"body":"independent contractor to carry,"},{"speaker":"Alek Turko","startTime":296.87899999999996,"endTime":300.359,"body":"but also for the motor carrier"},{"speaker":"Alek Turko","startTime":296.87899999999996,"endTime":300.359,"body":"they are leased on to to require"},{"speaker":"Alek Turko","startTime":300.359,"endTime":303.569,"body":"them to have in place. When you"},{"speaker":"Alek Turko","startTime":300.359,"endTime":303.569,"body":"start looking at some of the"},{"speaker":"Alek Turko","startTime":303.569,"endTime":308.609,"body":"statistics out there. The US"},{"speaker":"Alek Turko","startTime":303.569,"endTime":308.609,"body":"Bureau of Labor reports that"},{"speaker":"Alek Turko","startTime":308.609,"endTime":311.669,"body":"truck drivers have a fatal"},{"speaker":"Alek Turko","startTime":308.609,"endTime":311.669,"body":"workplace injury that's more"},{"speaker":"Alek Turko","startTime":311.669,"endTime":315.239,"body":"than seven times higher than"},{"speaker":"Alek Turko","startTime":311.669,"endTime":315.239,"body":"average. And in addition to"},{"speaker":"Alek Turko","startTime":315.239,"endTime":319.199,"body":"that, you look at truck drivers"},{"speaker":"Alek Turko","startTime":315.239,"endTime":319.199,"body":"rate of non fatal injury and"},{"speaker":"Alek Turko","startTime":319.199,"endTime":323.549,"body":"illness illness is involved days"},{"speaker":"Alek Turko","startTime":319.199,"endTime":323.549,"body":"away from Work just about three"},{"speaker":"Alek Turko","startTime":323.549,"endTime":327.539,"body":"times the rate of all other"},{"speaker":"Alek Turko","startTime":323.549,"endTime":327.539,"body":"private industry occupations."},{"speaker":"Alek Turko","startTime":328.289,"endTime":331.019,"body":"And then compounding This is the"},{"speaker":"Alek Turko","startTime":328.289,"endTime":331.019,"body":"fact that when you look at the"},{"speaker":"Alek Turko","startTime":331.019,"endTime":335.759,"body":"average age of any truck driver,"},{"speaker":"Alek Turko","startTime":331.019,"endTime":335.759,"body":"it's generally approaching 50"},{"speaker":"Alek Turko","startTime":335.789,"endTime":340.769,"body":"years of age or older. And when"},{"speaker":"Alek Turko","startTime":335.789,"endTime":340.769,"body":"you kind of mix all those"},{"speaker":"Alek Turko","startTime":340.769,"endTime":344.819,"body":"factors together, it creates"},{"speaker":"Alek Turko","startTime":340.769,"endTime":344.819,"body":"really an unavoidable situation"},{"speaker":"Alek Turko","startTime":344.819,"endTime":348.239,"body":"where injuries will occur to"},{"speaker":"Alek Turko","startTime":344.819,"endTime":348.239,"body":"many truck drivers in some way,"},{"speaker":"Alek Turko","startTime":348.239,"endTime":352.889,"body":"shape, or form. And when a"},{"speaker":"Alek Turko","startTime":348.239,"endTime":352.889,"body":"company driver is injured, while"},{"speaker":"Alek Turko","startTime":352.889,"endTime":355.799,"body":"performing their duties at work,"},{"speaker":"Alek Turko","startTime":352.889,"endTime":355.799,"body":"they can simply file for workers"},{"speaker":"Alek Turko","startTime":355.799,"endTime":360.299,"body":"compensation insurance, receive"},{"speaker":"Alek Turko","startTime":355.799,"endTime":360.299,"body":"benefits associated with that"},{"speaker":"Alek Turko","startTime":360.299,"endTime":365.039,"body":"coverage to help pay for medical"},{"speaker":"Alek Turko","startTime":360.299,"endTime":365.039,"body":"bills, pay for tests, surgeries,"},{"speaker":"Alek Turko","startTime":365.87899999999996,"endTime":368.18899999999996,"body":"physical therapy, and there"},{"speaker":"Alek Turko","startTime":365.87899999999996,"endTime":368.18899999999996,"body":"there's some disability"},{"speaker":"Alek Turko","startTime":368.18899999999996,"endTime":372.299,"body":"benefits, of course, they could"},{"speaker":"Alek Turko","startTime":368.18899999999996,"endTime":372.299,"body":"receive alongside that an owner"},{"speaker":"Alek Turko","startTime":372.299,"endTime":376.679,"body":"operator or independent"},{"speaker":"Alek Turko","startTime":372.299,"endTime":376.679,"body":"contractor are not employees of"},{"speaker":"Alek Turko","startTime":376.679,"endTime":379.43899999999996,"body":"the company, they would not be"},{"speaker":"Alek Turko","startTime":376.679,"endTime":379.43899999999996,"body":"covered under the typical work"},{"speaker":"Alek Turko","startTime":379.43899999999996,"endTime":383.909,"body":"comp policy that any of these"},{"speaker":"Alek Turko","startTime":379.43899999999996,"endTime":383.909,"body":"motor carriers have in place. So"},{"speaker":"Alek Turko","startTime":383.909,"endTime":387.149,"body":"that really leaves that injured"},{"speaker":"Alek Turko","startTime":383.909,"endTime":387.149,"body":"independent contractor very,"},{"speaker":"Alek Turko","startTime":387.149,"endTime":392.36899999999997,"body":"very vulnerable. They have"},{"speaker":"Alek Turko","startTime":387.149,"endTime":392.36899999999997,"body":"basically no money to pay for"},{"speaker":"Alek Turko","startTime":392.36899999999997,"endTime":394.649,"body":"their medical bills in that"},{"speaker":"Alek Turko","startTime":392.36899999999997,"endTime":394.649,"body":"case, that may be coming down to"},{"speaker":"Alek Turko","startTime":394.649,"endTime":398.039,"body":"becoming coming in to pay for"},{"speaker":"Alek Turko","startTime":394.649,"endTime":398.039,"body":"any of their really day to day"},{"speaker":"Alek Turko","startTime":398.039,"endTime":402.179,"body":"bills in their lives if they're"},{"speaker":"Alek Turko","startTime":398.039,"endTime":402.179,"body":"not able to drive. And what"},{"speaker":"Alek Turko","startTime":402.179,"endTime":407.12899999999996,"body":"usually happens in these cases,"},{"speaker":"Alek Turko","startTime":402.179,"endTime":407.12899999999996,"body":"is the motor carriers got to be"},{"speaker":"Alek Turko","startTime":407.12899999999996,"endTime":410.24899999999997,"body":"sued by that driver, you know,"},{"speaker":"Alek Turko","startTime":407.12899999999996,"endTime":410.24899999999997,"body":"the driver sitting at home, on"},{"speaker":"Alek Turko","startTime":410.24899999999997,"endTime":413.639,"body":"the couch, flipping through the"},{"speaker":"Alek Turko","startTime":410.24899999999997,"endTime":413.639,"body":"TV injured and wanting to hold"},{"speaker":"Alek Turko","startTime":413.639,"endTime":417.80899999999997,"body":"on one 800, Sumi comes up"},{"speaker":"Alek Turko","startTime":413.639,"endTime":417.80899999999997,"body":"whatever one of these lawyers"},{"speaker":"Alek Turko","startTime":417.80899999999997,"endTime":422.099,"body":"that are out there, Florida,"},{"speaker":"Alek Turko","startTime":417.80899999999997,"endTime":422.099,"body":"it's Morgan Morgan. And they're"},{"speaker":"Alek Turko","startTime":422.099,"endTime":424.889,"body":"going to drag everybody into a"},{"speaker":"Alek Turko","startTime":422.099,"endTime":424.889,"body":"lawsuit, not only the trucking"},{"speaker":"Alek Turko","startTime":424.889,"endTime":427.739,"body":"company is going to be sued,"},{"speaker":"Alek Turko","startTime":424.889,"endTime":427.739,"body":"when you look at the client of"},{"speaker":"Alek Turko","startTime":427.739,"endTime":429.449,"body":"the trucking company, the"},{"speaker":"Alek Turko","startTime":427.739,"endTime":429.449,"body":"shipper, they're going to be"},{"speaker":"Alek Turko","startTime":429.449,"endTime":433.229,"body":"dragged and everybody's going to"},{"speaker":"Alek Turko","startTime":429.449,"endTime":433.229,"body":"be dragged into a lawsuit. I"},{"speaker":"Alek Turko","startTime":433.229,"endTime":437.159,"body":"know that drivers simply had"},{"speaker":"Alek Turko","startTime":433.229,"endTime":437.159,"body":"occupational accident coverage"},{"speaker":"Alek Turko","startTime":437.18899999999996,"endTime":440.849,"body":"in place, they would be"},{"speaker":"Alek Turko","startTime":437.18899999999996,"endTime":440.849,"body":"receiving some benefits to"},{"speaker":"Alek Turko","startTime":440.849,"endTime":444.179,"body":"assist them during that"},{"speaker":"Alek Turko","startTime":440.849,"endTime":444.179,"body":"difficult time. There will be"},{"speaker":"Alek Turko","startTime":444.179,"endTime":448.469,"body":"some assistance with medical"},{"speaker":"Alek Turko","startTime":444.179,"endTime":448.469,"body":"bills, payments for various"},{"speaker":"Alek Turko","startTime":448.469,"endTime":452.159,"body":"injuries that may be sustained"},{"speaker":"Alek Turko","startTime":448.469,"endTime":452.159,"body":"such as you know, if they have"},{"speaker":"Alek Turko","startTime":453.389,"endTime":456.359,"body":"you know, a dismemberment of"},{"speaker":"Alek Turko","startTime":453.389,"endTime":456.359,"body":"some sort, there's instant"},{"speaker":"Alek Turko","startTime":456.359,"endTime":460.199,"body":"benefits for that. There's"},{"speaker":"Alek Turko","startTime":456.359,"endTime":460.199,"body":"limited disability benefits"},{"speaker":"Alek Turko","startTime":460.199,"endTime":463.319,"body":"available to the driver to kind"},{"speaker":"Alek Turko","startTime":460.199,"endTime":463.319,"body":"of help them through their"},{"speaker":"Alek Turko","startTime":463.409,"endTime":467.30899999999997,"body":"difficult time they may be going"},{"speaker":"Alek Turko","startTime":463.409,"endTime":467.30899999999997,"body":"through and God forbid that a"},{"speaker":"Alek Turko","startTime":467.30899999999997,"endTime":472.049,"body":"death should occur. There are"},{"speaker":"Alek Turko","startTime":467.30899999999997,"endTime":472.049,"body":"also benefits available to the"},{"speaker":"Alek Turko","startTime":472.049,"endTime":475.769,"body":"beneficiary that they have"},{"speaker":"Alek Turko","startTime":472.049,"endTime":475.769,"body":"listed on the application and on"},{"speaker":"Alek Turko","startTime":475.769,"endTime":480.179,"body":"the policy to kind of help with"},{"speaker":"Alek Turko","startTime":475.769,"endTime":480.179,"body":"that unfortunate thing."},{"speaker":"Dan Wentz","startTime":480.39,"endTime":483.03,"body":"Yeah, absolutely. And"},{"speaker":"Dan Wentz","startTime":480.39,"endTime":483.03,"body":"people you were talking about"},{"speaker":"Dan Wentz","startTime":483.03,"endTime":486.63,"body":"lawsuits, people who don't think"},{"speaker":"Dan Wentz","startTime":483.03,"endTime":486.63,"body":"that trucking companies,"},{"speaker":"Dan Wentz","startTime":486.65999999999997,"endTime":490.68,"body":"truckers are getting sued right"},{"speaker":"Dan Wentz","startTime":486.65999999999997,"endTime":490.68,"body":"now or are very wrong. I mean,"},{"speaker":"Dan Wentz","startTime":490.68,"endTime":494.67,"body":"it is hot hot litigation area."},{"speaker":"Dan Wentz","startTime":490.68,"endTime":494.67,"body":"And on this podcast, we've"},{"speaker":"Dan Wentz","startTime":494.7,"endTime":498.42,"body":"covered it to no end about how"},{"speaker":"Dan Wentz","startTime":494.7,"endTime":498.42,"body":"many lawsuits there are. It's"},{"speaker":"Dan Wentz","startTime":498.75,"endTime":501.69,"body":"pretty easy. I mean, even when,"},{"speaker":"Dan Wentz","startTime":498.75,"endTime":501.69,"body":"when truckers are not"},{"speaker":"Dan Wentz","startTime":501.69,"endTime":506.31,"body":"necessarily at fault, per se"},{"speaker":"Dan Wentz","startTime":501.69,"endTime":506.31,"body":"like you are I judging it, a"},{"speaker":"Dan Wentz","startTime":506.31,"endTime":510.18,"body":"jury can can find against them,"},{"speaker":"Dan Wentz","startTime":506.31,"endTime":510.18,"body":"just because they're the big"},{"speaker":"Dan Wentz","startTime":510.21,"endTime":513.45,"body":"mean trucker on the road. And"},{"speaker":"Dan Wentz","startTime":510.21,"endTime":513.45,"body":"the you know, the little car is"},{"speaker":"Dan Wentz","startTime":513.45,"endTime":517.11,"body":"the one that that made the"},{"speaker":"Dan Wentz","startTime":513.45,"endTime":517.11,"body":"mistake. But hey, you're at"},{"speaker":"Dan Wentz","startTime":517.11,"endTime":520.95,"body":"fault. Just because a jury found"},{"speaker":"Dan Wentz","startTime":517.11,"endTime":520.95,"body":"it that way. So this is I would"},{"speaker":"Dan Wentz","startTime":520.95,"endTime":524.85,"body":"say this is this is very"},{"speaker":"Dan Wentz","startTime":520.95,"endTime":524.85,"body":"important. And I probably"},{"speaker":"Dan Wentz","startTime":524.85,"endTime":527.13,"body":"shouldn't ask this question"},{"speaker":"Dan Wentz","startTime":524.85,"endTime":527.13,"body":"absolutely is I don't know the"},{"speaker":"Dan Wentz","startTime":527.13,"endTime":531.87,"body":"answer to it. But is there a"},{"speaker":"Dan Wentz","startTime":527.13,"endTime":531.87,"body":"legal defense included in this"},{"speaker":"Dan Wentz","startTime":531.87,"endTime":534.03,"body":"that kind of stuff? No,"},{"speaker":"Alek Turko","startTime":534.779,"endTime":538.259,"body":"not for Occupational"},{"speaker":"Alek Turko","startTime":534.779,"endTime":538.259,"body":"accident. That's where the"},{"speaker":"Alek Turko","startTime":538.349,"endTime":542.099,"body":"contingent liability policy"},{"speaker":"Alek Turko","startTime":538.349,"endTime":542.099,"body":"comes into play, as I mentioned"},{"speaker":"Alek Turko","startTime":542.099,"endTime":546.0590000000001,"body":"earlier, really is a legal"},{"speaker":"Alek Turko","startTime":542.099,"endTime":546.0590000000001,"body":"defense that is there to really"},{"speaker":"Alek Turko","startTime":546.0590000000001,"endTime":549.749,"body":"protect the motor carrier. In"},{"speaker":"Alek Turko","startTime":546.0590000000001,"endTime":549.749,"body":"the event that owner operator"},{"speaker":"Alek Turko","startTime":549.749,"endTime":554.249,"body":"that's injured, decides to try"},{"speaker":"Alek Turko","startTime":549.749,"endTime":554.249,"body":"to claim the were an employee to"},{"speaker":"Alek Turko","startTime":554.249,"endTime":558.899,"body":"gain work comp benefits. Within"},{"speaker":"Alek Turko","startTime":554.249,"endTime":558.899,"body":"the true occupational accident"},{"speaker":"Alek Turko","startTime":558.899,"endTime":560.909,"body":"policy, there is a perfect"},{"speaker":"Dan Wentz","startTime":563.49,"endTime":565.71,"body":"way to create a"},{"speaker":"Dan Wentz","startTime":563.49,"endTime":565.71,"body":"winning submission when it comes"},{"speaker":"Dan Wentz","startTime":565.71,"endTime":569.07,"body":"to this type of coverage."},{"speaker":"Dan Wentz","startTime":565.71,"endTime":569.07,"body":"Occupational accident,"},{"speaker":"Alek Turko","startTime":569.13,"endTime":572.01,"body":"absolutely the kind"},{"speaker":"Alek Turko","startTime":569.13,"endTime":572.01,"body":"of the perfect submission will"},{"speaker":"Alek Turko","startTime":572.01,"endTime":576.7800000000001,"body":"include some specific items"},{"speaker":"Alek Turko","startTime":572.01,"endTime":576.7800000000001,"body":"depending on the size of the"},{"speaker":"Alek Turko","startTime":576.7800000000001,"endTime":581.5200000000001,"body":"risk. We we have a master policy"},{"speaker":"Alek Turko","startTime":576.7800000000001,"endTime":581.5200000000001,"body":"in place where we write a lot of"},{"speaker":"Alek Turko","startTime":581.5500000000001,"endTime":586.8900000000001,"body":"individual life risks. I'm an"},{"speaker":"Alek Turko","startTime":581.5500000000001,"endTime":586.8900000000001,"body":"owner operator, I reach out to"},{"speaker":"Alek Turko","startTime":586.8900000000001,"endTime":589.86,"body":"my retail agent and say I want"},{"speaker":"Alek Turko","startTime":586.8900000000001,"endTime":589.86,"body":"to purchase occupational x"},{"speaker":"Alek Turko","startTime":589.8900000000001,"endTime":594.21,"body":"accident coverage, I can"},{"speaker":"Alek Turko","startTime":589.8900000000001,"endTime":594.21,"body":"purchase a policy in my name. So"},{"speaker":"Alek Turko","startTime":594.21,"endTime":597.63,"body":"there's simply a two page"},{"speaker":"Alek Turko","startTime":594.21,"endTime":597.63,"body":"application that's completed."},{"speaker":"Alek Turko","startTime":598.38,"endTime":601.0500000000001,"body":"Part of our master policy we"},{"speaker":"Alek Turko","startTime":598.38,"endTime":601.0500000000001,"body":"have four different plans"},{"speaker":"Alek Turko","startTime":601.0500000000001,"endTime":604.38,"body":"available. We provide the"},{"speaker":"Alek Turko","startTime":601.0500000000001,"endTime":604.38,"body":"underwriting guidelines with"},{"speaker":"Alek Turko","startTime":604.38,"endTime":606.9300000000001,"body":"some of the information basic"},{"speaker":"Alek Turko","startTime":604.38,"endTime":606.9300000000001,"body":"information to our retail"},{"speaker":"Alek Turko","startTime":606.9300000000001,"endTime":610.11,"body":"agents, so they kind of pre"},{"speaker":"Alek Turko","startTime":606.9300000000001,"endTime":610.11,"body":"qualified some of these"},{"speaker":"Alek Turko","startTime":610.11,"endTime":613.74,"body":"opportunities. They would"},{"speaker":"Alek Turko","startTime":610.11,"endTime":613.74,"body":"complete a simple application,"},{"speaker":"Alek Turko","startTime":613.98,"endTime":617.82,"body":"return to our underwriting"},{"speaker":"Alek Turko","startTime":613.98,"endTime":617.82,"body":"office, we would review it for"},{"speaker":"Alek Turko","startTime":617.82,"endTime":622.1700000000001,"body":"acceptability and price it and"},{"speaker":"Alek Turko","startTime":617.82,"endTime":622.1700000000001,"body":"then get back with the rate"},{"speaker":"Alek Turko","startTime":622.2,"endTime":626.58,"body":"halation. So it's a very simple"},{"speaker":"Alek Turko","startTime":622.2,"endTime":626.58,"body":"process. When we look at what we"},{"speaker":"Alek Turko","startTime":626.58,"endTime":630.3900000000001,"body":"consider a fleet of like, say 10"},{"speaker":"Alek Turko","startTime":626.58,"endTime":630.3900000000001,"body":"or more lives, obviously,"},{"speaker":"Alek Turko","startTime":630.3900000000001,"endTime":634.98,"body":"there's a few additional items"},{"speaker":"Alek Turko","startTime":630.3900000000001,"endTime":634.98,"body":"that we would require. There's a"},{"speaker":"Alek Turko","startTime":634.98,"endTime":638.7,"body":"separate fleet application"},{"speaker":"Alek Turko","startTime":634.98,"endTime":638.7,"body":"that's available on our website"},{"speaker":"Alek Turko","startTime":638.9100000000001,"endTime":646.38,"body":"at five star SP Comm. We would"},{"speaker":"Alek Turko","startTime":638.9100000000001,"endTime":646.38,"body":"need a current drivers list of"},{"speaker":"Alek Turko","startTime":646.38,"endTime":649.44,"body":"all the owner operators"},{"speaker":"Alek Turko","startTime":646.38,"endTime":649.44,"body":"independent contractors, which"},{"speaker":"Alek Turko","startTime":649.44,"endTime":652.98,"body":"would include their date of"},{"speaker":"Alek Turko","startTime":649.44,"endTime":652.98,"body":"birth, the state that they're"},{"speaker":"Alek Turko","startTime":652.98,"endTime":657.8100000000001,"body":"domiciled in the years of CDL"},{"speaker":"Alek Turko","startTime":652.98,"endTime":657.8100000000001,"body":"experience, and including the"},{"speaker":"Alek Turko","startTime":657.8100000000001,"endTime":660.2700000000001,"body":"date that they were leased onto"},{"speaker":"Alek Turko","startTime":657.8100000000001,"endTime":660.2700000000001,"body":"the motor carrier. And we would"},{"speaker":"Alek Turko","startTime":660.2700000000001,"endTime":663.45,"body":"want to see a sample copy of the"},{"speaker":"Alek Turko","startTime":660.2700000000001,"endTime":663.45,"body":"lease agreement that the motor"},{"speaker":"Alek Turko","startTime":663.45,"endTime":667.83,"body":"carrier is using with these"},{"speaker":"Alek Turko","startTime":663.45,"endTime":667.83,"body":"owner operators. We would like"},{"speaker":"Alek Turko","startTime":667.83,"endTime":672.45,"body":"obviously, three years, or four"},{"speaker":"Alek Turko","startTime":667.83,"endTime":672.45,"body":"years worth of loss runs,"},{"speaker":"Alek Turko","startTime":674.01,"endTime":680.49,"body":"details to any claims over"},{"speaker":"Alek Turko","startTime":674.01,"endTime":680.49,"body":"25,000 or more. We do have cases"},{"speaker":"Alek Turko","startTime":680.49,"endTime":683.22,"body":"where we have motor carriers"},{"speaker":"Alek Turko","startTime":680.49,"endTime":683.22,"body":"that have been in business 10"},{"speaker":"Alek Turko","startTime":683.22,"endTime":688.98,"body":"years, but they've really never"},{"speaker":"Alek Turko","startTime":683.22,"endTime":688.98,"body":"had a group policy in place. So"},{"speaker":"Alek Turko","startTime":689.2800000000001,"endTime":691.4100000000001,"body":"we would just need some"},{"speaker":"Alek Turko","startTime":689.2800000000001,"endTime":691.4100000000001,"body":"information that they This is"},{"speaker":"Alek Turko","startTime":691.4100000000001,"endTime":694.5600000000001,"body":"the first time we're actually"},{"speaker":"Alek Turko","startTime":691.4100000000001,"endTime":694.5600000000001,"body":"purchasing this coverage. And we"},{"speaker":"Alek Turko","startTime":694.5600000000001,"endTime":696.72,"body":"do see a lot of that happening."},{"speaker":"Alek Turko","startTime":694.5600000000001,"endTime":696.72,"body":"You know, you have motor"},{"speaker":"Alek Turko","startTime":696.72,"endTime":700.6800000000001,"body":"carriers who have been in"},{"speaker":"Alek Turko","startTime":696.72,"endTime":700.6800000000001,"body":"business five, six years, and"},{"speaker":"Alek Turko","startTime":700.6800000000001,"endTime":704.25,"body":"they finally come to the"},{"speaker":"Alek Turko","startTime":700.6800000000001,"endTime":704.25,"body":"realization of how important it"},{"speaker":"Alek Turko","startTime":704.25,"endTime":707.82,"body":"is to carry this product in"},{"speaker":"Alek Turko","startTime":704.25,"endTime":707.82,"body":"require their own Raptors to"},{"speaker":"Alek Turko","startTime":707.82,"endTime":711.1800000000001,"body":"carry this product. So we see a"},{"speaker":"Alek Turko","startTime":707.82,"endTime":711.1800000000001,"body":"lot of what we would consider"},{"speaker":"Alek Turko","startTime":711.1800000000001,"endTime":713.94,"body":"new ventures for this particular"},{"speaker":"Alek Turko","startTime":711.1800000000001,"endTime":713.94,"body":"coverage from seasoned trucking"},{"speaker":"Alek Turko","startTime":713.94,"endTime":717.1500000000001,"body":"companies. So we would just need"},{"speaker":"Alek Turko","startTime":713.94,"endTime":717.1500000000001,"body":"some information that this is"},{"speaker":"Alek Turko","startTime":717.1500000000001,"endTime":720.87,"body":"our first time purchasing the"},{"speaker":"Alek Turko","startTime":717.1500000000001,"endTime":720.87,"body":"coverage. And we would rate"},{"speaker":"Alek Turko","startTime":720.87,"endTime":723.9000000000001,"body":"based on some of the trucking"},{"speaker":"Alek Turko","startTime":720.87,"endTime":723.9000000000001,"body":"company characteristics. And if"},{"speaker":"Alek Turko","startTime":723.9000000000001,"endTime":726.84,"body":"they did have coverage in place,"},{"speaker":"Alek Turko","startTime":723.9000000000001,"endTime":726.84,"body":"we would like to see a copy of"},{"speaker":"Alek Turko","startTime":726.84,"endTime":731.13,"body":"their benefits schedule pricing"},{"speaker":"Alek Turko","startTime":726.84,"endTime":731.13,"body":"information so that we could"},{"speaker":"Alek Turko","startTime":731.34,"endTime":735.24,"body":"provide even more enhanced"},{"speaker":"Alek Turko","startTime":731.34,"endTime":735.24,"body":"coverages than what they may"},{"speaker":"Alek Turko","startTime":735.24,"endTime":737.97,"body":"currently have available to"},{"speaker":"Alek Turko","startTime":735.24,"endTime":737.97,"body":"them."},{"speaker":"Dan Wentz","startTime":739.0200000000001,"endTime":743.61,"body":"And one of the main"},{"speaker":"Dan Wentz","startTime":739.0200000000001,"endTime":743.61,"body":"benefits of working with a five"},{"speaker":"Dan Wentz","startTime":743.61,"endTime":747.21,"body":"star producer or a CRC producer,"},{"speaker":"Dan Wentz","startTime":743.61,"endTime":747.21,"body":"I mean, first of all, I should"},{"speaker":"Dan Wentz","startTime":747.21,"endTime":749.94,"body":"say, if you want this type of"},{"speaker":"Dan Wentz","startTime":747.21,"endTime":749.94,"body":"coverage, you're the guy to go"},{"speaker":"Dan Wentz","startTime":749.94,"endTime":755.73,"body":"to right Alec there at five star"},{"speaker":"Dan Wentz","startTime":749.94,"endTime":755.73,"body":"so you're the guy, but you can"},{"speaker":"Dan Wentz","startTime":755.73,"endTime":759.0600000000001,"body":"work with any CRC producer you"},{"speaker":"Dan Wentz","startTime":755.73,"endTime":759.0600000000001,"body":"can work with five star"},{"speaker":"Dan Wentz","startTime":759.0600000000001,"endTime":763.83,"body":"obviously has a lot of different"},{"speaker":"Dan Wentz","startTime":759.0600000000001,"endTime":763.83,"body":"arms, different areas that they"},{"speaker":"Dan Wentz","startTime":763.83,"endTime":768.63,"body":"cover, great program. But what"},{"speaker":"Dan Wentz","startTime":763.83,"endTime":768.63,"body":"is working with any of these"},{"speaker":"Dan Wentz","startTime":768.63,"endTime":771.87,"body":"producers, anybody who's under"},{"speaker":"Dan Wentz","startTime":768.63,"endTime":771.87,"body":"that CRC group umbrella, the"},{"speaker":"Dan Wentz","startTime":771.87,"endTime":775.83,"body":"five star umbrella? What kind of"},{"speaker":"Dan Wentz","startTime":771.87,"endTime":775.83,"body":"benefit do you add to"},{"speaker":"Alek Turko","startTime":775.9200000000001,"endTime":779.97,"body":"Bob? First we have"},{"speaker":"Alek Turko","startTime":775.9200000000001,"endTime":779.97,"body":"the experience in this business,"},{"speaker":"Alek Turko","startTime":780.24,"endTime":784.71,"body":"we have a knowledge of the"},{"speaker":"Alek Turko","startTime":780.24,"endTime":784.71,"body":"industry and all the coverages"},{"speaker":"Alek Turko","startTime":784.71,"endTime":789.6,"body":"that are associated with it. We"},{"speaker":"Alek Turko","startTime":784.71,"endTime":789.6,"body":"have relationships with a"},{"speaker":"Alek Turko","startTime":789.6,"endTime":793.59,"body":"variety of insurance carriers"},{"speaker":"Alek Turko","startTime":789.6,"endTime":793.59,"body":"that would really meet the needs"},{"speaker":"Alek Turko","startTime":793.62,"endTime":796.4100000000001,"body":"of any of the trucking"},{"speaker":"Alek Turko","startTime":793.62,"endTime":796.4100000000001,"body":"occupational accident"},{"speaker":"Alek Turko","startTime":796.4100000000001,"endTime":801.87,"body":"opportunities that any retail"},{"speaker":"Alek Turko","startTime":796.4100000000001,"endTime":801.87,"body":"agency may have. In addition to"},{"speaker":"Alek Turko","startTime":801.87,"endTime":805.62,"body":"that, since we're playing and"},{"speaker":"Alek Turko","startTime":801.87,"endTime":805.62,"body":"we're writing coverage in this"},{"speaker":"Alek Turko","startTime":805.62,"endTime":809.9100000000001,"body":"owner operator space, we do"},{"speaker":"Alek Turko","startTime":805.62,"endTime":809.9100000000001,"body":"offer other coverages kind of"},{"speaker":"Alek Turko","startTime":809.9100000000001,"endTime":813.87,"body":"that really cater to the owner"},{"speaker":"Alek Turko","startTime":809.9100000000001,"endTime":813.87,"body":"operators, which is like non"},{"speaker":"Alek Turko","startTime":813.87,"endTime":817.6500000000001,"body":"truck liability coverage,"},{"speaker":"Alek Turko","startTime":813.87,"endTime":817.6500000000001,"body":"physical damage for these owner"},{"speaker":"Alek Turko","startTime":817.6500000000001,"endTime":822.8100000000001,"body":"operators. So when you look at"},{"speaker":"Alek Turko","startTime":817.6500000000001,"endTime":822.8100000000001,"body":"the coverages we have available,"},{"speaker":"Alek Turko","startTime":822.8100000000001,"endTime":826.11,"body":"the products we have available,"},{"speaker":"Alek Turko","startTime":822.8100000000001,"endTime":826.11,"body":"the markets that we have access"},{"speaker":"Alek Turko","startTime":826.11,"endTime":831.75,"body":"to many of our long term retail"},{"speaker":"Alek Turko","startTime":826.11,"endTime":831.75,"body":"agencies use us as a one stop"},{"speaker":"Alek Turko","startTime":831.75,"endTime":836.22,"body":"shop when it comes to their"},{"speaker":"Alek Turko","startTime":831.75,"endTime":836.22,"body":"owner operator. product and"},{"speaker":"Alek Turko","startTime":836.22,"endTime":840.33,"body":"their and their opportunities."},{"speaker":"Alek Turko","startTime":836.22,"endTime":840.33,"body":"They know that if they send that"},{"speaker":"Alek Turko","startTime":840.33,"endTime":842.6400000000001,"body":"submission to us, we're going to"},{"speaker":"Alek Turko","startTime":840.33,"endTime":842.6400000000001,"body":"cover all bases, we're going to"},{"speaker":"Alek Turko","startTime":842.6400000000001,"endTime":846.4200000000001,"body":"give them an excellent quote"},{"speaker":"Alek Turko","startTime":842.6400000000001,"endTime":846.4200000000001,"body":"with with our strong carriers."},{"speaker":"Alek Turko","startTime":846.5400000000001,"endTime":850.26,"body":"And in addition to that, we"},{"speaker":"Alek Turko","startTime":846.5400000000001,"endTime":850.26,"body":"could also quote some of the"},{"speaker":"Alek Turko","startTime":850.26,"endTime":853.4100000000001,"body":"other products such as non truck"},{"speaker":"Alek Turko","startTime":850.26,"endTime":853.4100000000001,"body":"liability to kind of round out"},{"speaker":"Alek Turko","startTime":853.4100000000001,"endTime":857.76,"body":"that, that the option and that"},{"speaker":"Alek Turko","startTime":853.4100000000001,"endTime":857.76,"body":"proposal for their own wrapper."},{"speaker":"Dan Wentz","startTime":858.3000000000001,"endTime":860.25,"body":"Yeah, and that's"},{"speaker":"Dan Wentz","startTime":858.3000000000001,"endTime":860.25,"body":"great. And I should mention here"},{"speaker":"Dan Wentz","startTime":860.25,"endTime":863.76,"body":"too, that you guys have a very"},{"speaker":"Dan Wentz","startTime":860.25,"endTime":863.76,"body":"informative website, five star"},{"speaker":"Dan Wentz","startTime":863.7900000000001,"endTime":867.48,"body":"SP comm that you can go to to"},{"speaker":"Dan Wentz","startTime":863.7900000000001,"endTime":867.48,"body":"get all that. And if you can't"},{"speaker":"Dan Wentz","startTime":867.48,"endTime":869.46,"body":"remember that or you're driving"},{"speaker":"Dan Wentz","startTime":867.48,"endTime":869.46,"body":"in the car, don't want to write"},{"speaker":"Dan Wentz","startTime":869.46,"endTime":873.3000000000001,"body":"it down. Of course, you can go"},{"speaker":"Dan Wentz","startTime":869.46,"endTime":873.3000000000001,"body":"to CRC group comm and search"},{"speaker":"Dan Wentz","startTime":873.3000000000001,"endTime":875.7,"body":"through there to find five star"},{"speaker":"Dan Wentz","startTime":873.3000000000001,"endTime":875.7,"body":"it's pretty easy to find them"},{"speaker":"Dan Wentz","startTime":875.7,"endTime":880.08,"body":"off that website. But that's"},{"speaker":"Dan Wentz","startTime":875.7,"endTime":880.08,"body":"great. So did we miss anything"},{"speaker":"Dan Wentz","startTime":880.08,"endTime":883.44,"body":"today out like anything you want"},{"speaker":"Dan Wentz","startTime":880.08,"endTime":883.44,"body":"to mention about this type of"},{"speaker":"Dan Wentz","startTime":883.44,"endTime":885.12,"body":"coverage or anything at all?"},{"speaker":"Alek Turko","startTime":886.5,"endTime":889.6800000000001,"body":"Yeah, the one thing"},{"speaker":"Alek Turko","startTime":886.5,"endTime":889.6800000000001,"body":"I did miss, maybe we're focusing"},{"speaker":"Alek Turko","startTime":889.71,"endTime":893.94,"body":"on truckers occupational"},{"speaker":"Alek Turko","startTime":889.71,"endTime":893.94,"body":"accident coverage. I did want to"},{"speaker":"Alek Turko","startTime":893.94,"endTime":898.11,"body":"point out that we do have"},{"speaker":"Alek Turko","startTime":893.94,"endTime":898.11,"body":"carriers that are extremely"},{"speaker":"Alek Turko","startTime":898.11,"endTime":902.19,"body":"interested in writing, other"},{"speaker":"Alek Turko","startTime":898.11,"endTime":902.19,"body":"occupational accident for other"},{"speaker":"Alek Turko","startTime":903.63,"endTime":910.0500000000001,"body":"business classes such as"},{"speaker":"Alek Turko","startTime":903.63,"endTime":910.0500000000001,"body":"couriers public auto gig"},{"speaker":"Alek Turko","startTime":910.0500000000001,"endTime":913.7700000000001,"body":"economy. So there are other"},{"speaker":"Alek Turko","startTime":910.0500000000001,"endTime":913.7700000000001,"body":"areas that we could write"},{"speaker":"Alek Turko","startTime":913.7700000000001,"endTime":916.95,"body":"occupational accident coverage"},{"speaker":"Alek Turko","startTime":913.7700000000001,"endTime":916.95,"body":"and even tailor policies to"},{"speaker":"Alek Turko","startTime":917.9100000000001,"endTime":919.1400000000001,"body":"other than just trucking."},{"speaker":"Dan Wentz","startTime":919.2900000000001,"endTime":921.51,"body":"Yeah, that's good"},{"speaker":"Dan Wentz","startTime":919.2900000000001,"endTime":921.51,"body":"information. So you know, it's"},{"speaker":"Dan Wentz","startTime":921.51,"endTime":925.8900000000001,"body":"not just truck Hackers right?"},{"speaker":"Dan Wentz","startTime":921.51,"endTime":925.8900000000001,"body":"Could be anything? Absolutely."},{"speaker":"Dan Wentz","startTime":925.9200000000001,"endTime":929.1600000000001,"body":"So, okay. Well, you know, if"},{"speaker":"Dan Wentz","startTime":925.9200000000001,"endTime":929.1600000000001,"body":"you're listening to this, you"},{"speaker":"Dan Wentz","startTime":929.1600000000001,"endTime":933.33,"body":"go, hey, maybe that's for me. I"},{"speaker":"Dan Wentz","startTime":929.1600000000001,"endTime":933.33,"body":"mean, just give Alex a call. And"},{"speaker":"Dan Wentz","startTime":933.33,"endTime":937.38,"body":"he'll, you know, he can give you"},{"speaker":"Dan Wentz","startTime":933.33,"endTime":937.38,"body":"the answers right? As always,"},{"speaker":"Dan Wentz","startTime":937.95,"endTime":941.0400000000001,"body":"absolutely appreciate you doing"},{"speaker":"Dan Wentz","startTime":937.95,"endTime":941.0400000000001,"body":"this, Alec, I know. You're a"},{"speaker":"Dan Wentz","startTime":941.0400000000001,"endTime":943.71,"body":"very busy man. But thank you"},{"speaker":"Dan Wentz","startTime":941.0400000000001,"endTime":943.71,"body":"very much for taking the time to"},{"speaker":"Dan Wentz","startTime":943.71,"endTime":947.88,"body":"do this today. And hey,"},{"speaker":"Dan Wentz","startTime":943.71,"endTime":947.88,"body":"hopefully we talk to you again"},{"speaker":"Dan Wentz","startTime":947.88,"endTime":949.11,"body":"soon here on the podcast."},{"speaker":"Alek Turko","startTime":949.38,"endTime":950.7900000000001,"body":"I hope so. Thank you"},{"speaker":"Alek Turko","startTime":949.38,"endTime":950.7900000000001,"body":"for having me."}]}