Spills don’t wait for business hours, and neither should your coverage. We dig into transportation pollution liability with Mike Padula, President of Starwind Environmental, to discuss why relying solely on MCS-90 or CA 99 48 can leave painful gaps when real-world logistics meet environmental scrutiny. From remote cleanups to loading dock mishaps, we break down how TPL delivers true risk transfer, rapid response, and specialized claims handling that standard endorsements simply can’t handle alone.

We explore hidden exposures many teams overlook: loading and unloading, staging, third-party carrier use, and non-auto modes like rail and watercraft. If you advise motor carriers, shippers, or anyone moving goods, this conversation will help you turn compliance into real protection and keep operations moving when the unexpected occurs.

Subscribe for more specialist insights from CRC Group and share this episode with colleagues who handles transportation risks.

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What if repairs didn’t stall your schedule or drain your cash while invoices pile up? We sit down with Starwind Equipment Services’ president, Randi Glaszer, to unpack a smarter way to protect heavy equipment—one that matches the way contractors actually buy, finance, and fix their machines.

We break down how multi‑year physical damage insurance on admitted paper can be written to the life of a lease or loan, with rates locked, loss payees satisfied, and premiums often rolled into financing. Randi explains why Starwind pays 100% actual cash value up front instead of staging replacement cost, and how broad PDI protection follows the machine through real‑world risks like transit damage, overturn, flood, theft, and job site incidents. 

The real unlock is claims. Starwind assigns one adjuster to coordinate both PDI and ESC from day one, opening files together, paying verified labor during parts delays, and ensuring towing, cranes, and protection costs don’t slip through notice windows. We also talk eligibility, state availability, equipment age and exclusions, and why this model was built to advocate for small and mid‑sized contractors who can’t afford friction when iron is idle. If you want fewer surprises, faster releases from the dealer, and protection that keeps projects moving, this conversation is for you.

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Sexual abuse and molestation claims have skyrocketed in recent years, creating significant financial and reputational risks for organizations across various sectors. The numbers are staggering – $651 million in settlements in 2023 alone, with each settlement exceeding $1 million. What's driving this dramatic increase, and how can organizations protect themselves?

Michelle Levine, SVP with CRC San Francisco, pulls back the curtain on this critical issue. The traditional assumption that general liability policies provide adequate coverage no longer holds true. Insurance carriers have responded to increasing litigation by cutting limits, non-renewing policies, or explicitly excluding sexual abuse coverage. This shifting landscape necessitates specialized solutions and a stronger risk management approach. While schools and religious institutions represent approximately 70% of claims, the exposure extends to any organization with third-party contact – from wellness centers to gyms to service providers of all kinds. The most effective protection combines comprehensive insurance coverage with proactive risk management – proper hiring practices, consistent training, and creating a culture where concerns can be raised and addressed immediately.

Don't wait for a claim to discover your organization's vulnerability. Reach out to your CRC specialty broker today to ensure you have the coverage and risk management tools needed to protect your mission, your finances, and most importantly, the people you serve.

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ChatGPT reached a million users in just five days, while Bank of America's AI assistant Erica has handled over two billion customer interactions without human intervention. The AI revolution in banking isn't coming—it's already here, transforming how financial institutions operate and creating complex liability questions few insurance policies directly address.

Mark Waldeck, Team Leader and Broker with CRC Chicago, takes us beyond the marketing hype to explore the serious insurance implications of AI implementation in banking. While chatbots and automated systems promise efficiency and competitive advantage, they create significant exposures most banks haven't fully contemplated.

Current insurance policies remain largely silent on AI-specific risks, creating ambiguity about whether claims would fall under professional liability or cyber coverage. Employment risks also loom large as banks leverage AI to reduce headcount, potentially triggering discrimination claims if not handled properly.

Perhaps most concerning is the regulatory vacuum surrounding AI implementation. Without clear guidance from regulatory authorities, financial institutions are developing practices that may later require significant overhauls once regulations catch up with technology.

Connect with your CRC Specialty broker to better understand how your insurance program addresses these emerging AI risks and explore additional resources at crcgroup.com.

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Rising construction costs coupled with widespread labor shortages have created a perfect storm for homeowners facing property losses. The gap between insurance coverage and actual rebuilding expenses continues to widen, putting families at significant financial risk..

Mary Roy, Senior Underwriting Team Leader at CRC Group, breaks down the complex factors driving this trend. The fundamental difference between new construction and reconstruction after a loss creates much of this disparity. Rebuilding involves unique challenges – from debris removal and working around existing structures to scheduling complications and protection of remaining assets. These projects lack the economies of scale found in new developments, where contractors purchase materials in bulk and efficiently schedule labor across multiple properties.

Don't wait until disaster strikes. Connect with your clients today to review their homeowner's policies and ensure they have adequate protection against today's rebuilding realities. Subscribe to the Placing You First Podcast for more specialist insights on navigating the complex world of insurance coverage.

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In this conversation with Starwind Cannabis leaders Tony McIntosh and Eric Morrison, we unpack why traditional insurance approaches fall short for cannabis operations. From navigating the complex regulatory framework to addressing distinctive risk profiles like high-value crops and cash-heavy transactions, cannabis businesses face challenges that standard BOPs simply weren't designed to handle. The discussion tackles persistent misconceptions head-on and reveals how proper risk management and specialized broker knowledge can make this growing field both accessible and rewarding. We also explore what sets leading cannabis insurance programs apart. Whether you're already working with cannabis clients or considering this expanding opportunity, this episode provides practical insights from industry veterans who understand both insurance fundamentals and the unique demands of the cannabis marketplace. Discover how specialized knowledge can help you navigate this complex field with confidence.

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Severe convective storms are reshaping America's insurance landscape, hitting communities harder and more frequently than ever before. What used to be a defined spring storm season has expanded into a year-round threat, leaving homeowners, businesses, and insurers scrambling to adapt.

Join hosts Amanda Knight and Scott Gordon as they dive into the growing crisis with guests Ben Tschepikow from CRC Group's Arkansas office and Rob Porter from Vave MGA. Their frontline experiences reveal how these intensifying weather patterns are creating unprecedented challenges across the country. The conversation tackles the painful reality of rising premiums and deductibles while exploring innovative solutions emerging to help property owners. Learn about deductible buyback products that can dramatically reduce out-of-pocket costs during catastrophic events.

Whether you're an insurance professional navigating these turbulent waters or a property owner seeking to understand your changing policy, this episode offers valuable insights into the future of property insurance. Education, communication, and partnership between insurers and insureds will be essential as we weather these storms together. Subscribe to the Placing You First podcast to stay ahead of the trends reshaping the insurance landscape and discover practical strategies for protecting what matters most.

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Six years and 100 episodes later, the Placing You First podcast welcomes back Neil Kessler, CEO of CRC Specialty and Benefits, who was our very first guest in 2019. What a journey it's been! The transformation runs deep—while our collaborative, hustle-driven culture remains intact, we've become an entirely different organization.

Perhaps most significant has been our shift to an ownership mindset. Looking ahead, our focus intensifies on specialization, data utilization, and cross-business collaboration. Despite our two-decade history, we operate with startup energy—constantly evolving, building something special where everyone shapes our future. Follow the Placing You First podcast to join us on this journey and discover what's next for CRC!

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Every business with a social media account now faces media liability exposures that were once limited to publishers and broadcasters. This reality stands at the core of our fascinating conversation with Mario Romero, a professional lines broker specializing in media and entertainment coverage with CRC Group in Los Angeles.

The digital transformation has democratized content creation while simultaneously introducing complex liability questions. From the local bakery using music in Instagram reels without proper licensing to major corporations navigating influencer partnerships, the risk landscape has expanded dramatically. Beyond traditional concerns like copyright and defamation, we explore emerging claim categories including emotional distress, plagiarism, failure to attribute proper credit, deceptive advertising practices, and even claims filed for lack of trigger warnings. Whether advising a Fortune 500 brand or a small business with an active social presence, understanding today's media liability risks has become essential for insurance professionals.

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The healthcare insurance landscape is rapidly evolving beyond traditional pain points, creating new challenges for retail agents seeking coverage for specialized risks. From ketamine clinics to advanced med spas, these emerging sectors require specialist navigation to secure appropriate protection. Healthcare has always presented unique insurance complexities, but today's market features several particularly difficult placement categories. While correctional healthcare and locum tenens staffing remain challenging, CRC Healthcare Broker Scott Scheiblin highlights several additional sectors creating headaches for agents and insureds alike. Ready to navigate the complexities of today's toughest healthcare risks? Reach out to your local CRC Group producer for guidance and market access that can provide successful solutions when you hit placement challenges

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Technology is reshaping insurance placement, but the most powerful solutions don't just automate—they amplify human expertise. This fascinating conversation with Team CRC's ExecPro Broker Brian Benda and Director of Digital Distribution Erin Dyer reveals how CRC’s Quick Quotes platform delivers exactly that balance.

Quick Quotes began as an internal tool refined over five years before being extended to retail partners. What makes it revolutionary isn't just the instant quotes—it's the seamless connection to specialist brokers who remain ready to assist. This hybrid approach means retail agents can handle small accounts efficiently without sacrificing the specialized knowledge that complex placements demand. Combined with features like limit benchmarking reports and side-by-side coverage comparisons, Quick Quotes transforms the entire placement process from submission to proposal.

Currently supporting cyber liability, miscellaneous professional liability, and employment practices liability, the platform lets retail agents choose which markets to approach and offers multiple pathways for data collection based on client preferences. This flexibility acknowledges a fundamental truth: technology should adapt to how people work, not force people to adapt to technology.

Ready to experience a digital solution that enhances rather than replaces expertise? Visit crcqq.com or contact your CRC producer to explore how Quick Quotes can transform your insurance placement workflows while keeping you connected to the specialized knowledge that makes CRC a trusted wholesale partner.

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Learn more about navigating cyber threats and insurance with insights from Hunter Maskell, a Director with the CRC / INSUREtrust Cyber Practice Group and Professional Lines Broker Chris Zepeda. Ransomware attacks are making a sophisticated resurgence, matching the concerning levels of 2020 and 2021. Despite strides in incident response, the financial strain from business interruptions and legal battles lingers. While current market conditions may seem buyer-friendly, the looming specter of increasing claims warns of impending premium adjustments. Listen as we dissect the delicate balance between competitive pricing and sustainable risk management, ensuring you're prepared for the challenges ahead. The landscape of cyber insurance is ever-shifting, and understanding coverage nuances with the help of specialists is crucial. This episode is your guide to staying ahead in an era where cyber risks and solutions constantly evolve.

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Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Could "forever chemicals" like PFAS be the new asbestos for the insurance industry? Join us on the Placing You First podcast as we unpack this pressing issue with CRC Environmental Broker Sean McLaughlin. We explore how these persistent chemicals infiltrate our everyday lives, from kitchen cookware to essential firefighting gear, raising alarming health concerns. Listen as we navigate the complexities of managing PFAS risks and insurance challenges. We discuss the proactive measures clients can take to address PFAS exposure and the critical role wholesale brokers play in managing expectations and ensuring proper coverage.

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Learn more about safeguarding your business against one of the most insidious threats today—social engineering fraud. Join us as we sit down with specialists, Lori Wheeler and Jackie Leslie from CRC's ExecPro Practice Group, who share their invaluable insights into the growing prevalence and sophistication of these cyber threats. Gain a thorough understanding of how these scams have surpassed even ransomware in frequency and the severe financial toll they can take on businesses, especially smaller ones. Discover the critical steps your organization can take to secure adequate insurance coverage and protect against potentially crippling losses. Lori and Jackie also shed light on how AI technology is being weaponized to mimic voices and orchestrate fraudulent transactions. From accounting departments under pressure to real estate transactions, explore the urgent need for heightened awareness and robust safeguards in our increasingly connected world.

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Summary: Join hosts Amanda Knight and Scott Gordon as they engage with industry specialists Tyler O'Connor, Josh Anderson, and Michelle Earle to dissect the seismic shift from admitted carriers to the thriving Excess and Surplus (E&S) market. You’ll learn precisely why high-severity claims and social inflation are pushing human services organizations toward E&S solutions, especially during a mental health crisis. The conversation doesn’t shy away from the tough topics, particularly the thorny issue of underwriting abuse claims in the wake of reviver statutes. This episode also offers vital insights into how limited excess coverage options can be navigated, emphasizing the crucial role of collaboration between agents and brokers in constructing robust liability programs. Tune in to equip yourself with the knowledge and strategies needed to manage intricate human services market challenges effectively.

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Ever wondered how the latest advancements in GLP-1 medications are revolutionizing the treatment of diabetes and obesity? Join us for an insightful conversation with healthcare brokers Scott Scheiblin and Chip Wenges as they unravel the complexities and opportunities these groundbreaking drugs bring to healthcare providers. You'll discover the hidden pitfalls of improper prescribing practices, the looming threat of regulatory scrutiny over compounded medications, and the challenges posed by insurers limiting coverage to branded versions. As the demand for GLP-1s skyrockets, we discuss the implications and potential repercussions that could follow.

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Learn how to master submissions for small and midsize property placements with insights from Destinie Kindle a seasoned Underwriting Team Leader with CRC Group's Fort Worth Texas office. Discover how precise and detailed property submissions can be a game-changer in securing optimal insurance coverage. Destinie shares her specialist advice on enhancing your submission process, including the crucial details often overlooked.

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Imagine the financial and logistical nightmare of discovering that a single contaminated ingredient has infiltrated multiple food products across your supply chain. That's exactly what we're examining with John O'Malley and Chris Martin from CRC Group's Minneapolis office. This episode unravels the complex web of costs and liabilities that ensue from food recalls, using real-world incidents to stress the importance of proactive risk management and the critical role of comprehensive recall insurance to safeguard against these multifaceted challenges. We share essential strategies, from stringent quality control processes to implementing test and hold policies, we discuss how to ensure contaminated products never reach consumers. Don't miss this episode—subscribe and share!

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Unravel the complexities of the Texas Data Privacy and Security Act (TDPSA) with cyber and professional lines broker Josh White from CRC Group’s ExecPro practice group. Discover the essential components of this new legislation, understand its alignment with similar laws, and learn about the unique aspects that set Texas apart. Josh breaks down the immediate compliance requirements for businesses, shedding light on potential costs and challenges. Plus, get a firsthand look at the pivotal role insurance agents play in navigating these regulations, from understanding data collection processes to managing data repositories efficiently. Hear about the standout services CRC offers, including coverage analysis, benchmarking resources, and tools to compare cybersecurity exposures and limits.

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Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

The sharing economy is booming, and its growth isn’t expected to slow down any time soon. Listen in as SVP & Casualty Broker Andrea Ward and Apollo ibott President Chris Moore discuss where they’re seeing growth, some of the more widespread obstacles the sector faces, and what insureds can expect to encounter in the marketplace when putting their insurance programs together. They also dive into what kind of information or risk management elements insurers want to see when considering sharing economy business and provide insight for navigating today’s insurance landscape.

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Gain valuable insight into the ever-changing E&S property market with CRC Group's property brokers, David Christopher and Jonas Williams. This episode peels back the layers of market trends as the calendar flips from 2023 to 2024, highlighting the significant role of quota share and layered business in navigating complex accounts. Get ready to grasp the importance of precise property valuations and the innovative tools CRC leverages to help you win in today’s marketplace. 

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Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Learn how to traverse the evolving cosmetics industry regulatory landscape with CRC Group Casualty Brokers John O'Malley and Chris Martin. They discuss the changes brought into effect by the Modernization of Cosmetics Regulation Act as well as its ripple effects across the industry. From increased reporting and FDA registration to the increased risk of product recalls, this episode is a specialist’s guide in how product recall insurance can be your client’s safety net. Listen in and fine tune your approach to risk management and business resilience for your cosmetic industry clients.

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Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Listen in as Lee McClure a Senior Healthcare Broker with Team CRC in Birmingham, Truitt Taylor, a Broker with CRC Group’s Jackson, MS office, and Rebecca Adelman, founder of Adelman Claims Management, discuss the terrain of the senior living insurance marketplace. Our guests discuss evolving litigation trends, from staffing quandaries to medication missteps, and lay out the blueprint for proactive claims management as well as other tools, insights, and strategies that can empower retail agents to help their insureds make more informed choices when it comes to their insurance programs.

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Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

Are you ready to navigate the security guard insurance market? Prepare to arm yourself with the essential knowledge shared by industry specialists Vince Polese and Greg Zschiesche . In our latest episode, we tackle the shrinking pool of insurers, dissect the nuances of liability concerns that have come to the forefront with cases like the Surfside Condo collapse, and analyze the diverse risks associated with various security environments. This is a must-listen for understanding the complexities and challenges that security guard firms face in securing adequate insurance in today's marketplace.

Vince and Greg shed light on the labor dynamics within the security sector, emphasizing the growing presence of retirees and veterans in the field. They share valuable insights on establishing fair contracts and a meticulous vetting process that's critical for recruiting top-tier talent. Furthermore, we discuss how wholesalers like CRC Group can be a guiding light through these intricacies, underscoring the importance of fostering strong relationships and staying abreast of market trends. Whether you're an agent, a client, or simply intrigued by the inner workings of insurance for security firms, our discussion offers a wealth of knowledge that is sure to assist you in charting a course through these challenging times.

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Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!

In this episode we attempt to unravel the complexities of Habitational property insurance with Daniel Ball, a Property Broker with CRC's Boca Raton, FL office and David Pagomian, President of CRC's Red Bank, NJ office. Join us as we traverse the labyrinth of skyrocketing property valuations and the resultant seismic shifts in coverage layers. The stakes have never been higher in 2023, with ITV rates soaring, and our guided discussion highlights the urgent need for carriers to preserve their ratings, which in turn dictates their risk appetite and participation.

We delve into the mission-critical role that CRC's team plays. Harnessing the power of data modeling and analytics, Daniel and David illuminate how finely-tuned loss limits not only satisfy lender demands but also keep premiums within the realm of possibility for property owners. Our conversation serves as a testament to the precision and innovation that defines CRC's approach, laying out a blueprint for retail agents and their clients to gain leverage in a market where only the resilient and inventive can truly thrive.

Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace.

Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!