{"version":"1.0.0","segments":[{"speaker":"Chris Harris, Safety Dawg","startTime":0.049,"endTime":2.559,"body":"and"},{"speaker":"Chris Harris, Safety Dawg","startTime":0.049,"endTime":2.559,"body":"this week on the Trucking Risk and"},{"speaker":"Chris Harris, Safety Dawg","startTime":2.559,"endTime":7.249,"body":"Insurance Podcast, we have Andrew"},{"speaker":"Chris Harris, Safety Dawg","startTime":2.559,"endTime":7.249,"body":"Chermark from Ensure Analytics."},{"speaker":"Chris Harris, Safety Dawg","startTime":7.269,"endTime":14.889,"body":"And Ensure Analytics is really interesting"},{"speaker":"Chris Harris, Safety Dawg","startTime":7.269,"endTime":14.889,"body":"because Andrew gets to talk to us about"},{"speaker":"Chris Harris, Safety Dawg","startTime":14.899,"endTime":20.919,"body":"how we can use the different analytics"},{"speaker":"Chris Harris, Safety Dawg","startTime":14.899,"endTime":20.919,"body":"or the different data sources that are"},{"speaker":"Chris Harris, Safety Dawg","startTime":20.919,"endTime":24.1,"body":"available to you in the trucking industry."},{"speaker":"Chris Harris, Safety Dawg","startTime":24.419,"endTime":25.199,"body":"Join us."},{"speaker":"Chris Harris, Safety Dawg","startTime":30.138,"endTime":33.318,"body":"Andrew, welcome to the Trucking"},{"speaker":"Chris Harris, Safety Dawg","startTime":30.138,"endTime":33.318,"body":"Risk and Insurance Podcast."},{"speaker":"Chris Harris, Safety Dawg","startTime":33.348,"endTime":39.358,"body":"Can you please start off by introducing"},{"speaker":"Chris Harris, Safety Dawg","startTime":33.348,"endTime":39.358,"body":"yourself and your company to our"},{"speaker":"Chris Harris, Safety Dawg","startTime":39.368,"endTime":40.868,"body":"listening and viewing audience?"},{"speaker":"Andrew Chermark","startTime":41.713,"endTime":42.193,"body":"All right."},{"speaker":"Andrew Chermark","startTime":42.193,"endTime":43.003,"body":"Well, thank you, Chris."},{"speaker":"Andrew Chermark","startTime":43.013,"endTime":45.003,"body":"And thank you, John,"},{"speaker":"Andrew Chermark","startTime":43.013,"endTime":45.003,"body":"for having me on today."},{"speaker":"Andrew Chermark","startTime":45.233,"endTime":47.433,"body":"Uh, my name is Andrew Chermark."},{"speaker":"Andrew Chermark","startTime":47.753,"endTime":50.273,"body":"I'm from a company"},{"speaker":"Andrew Chermark","startTime":47.753,"endTime":50.273,"body":"called Ensure Analytics."},{"speaker":"Andrew Chermark","startTime":50.573,"endTime":55.693,"body":"Uh, we're based in, uh, New Jersey,"},{"speaker":"Andrew Chermark","startTime":50.573,"endTime":55.693,"body":"uh, along the beach, uh, New Jersey."},{"speaker":"Chris Harris, Safety Dawg","startTime":56.013,"endTime":56.893,"body":"Nice."},{"speaker":"Chris Harris, Safety Dawg","startTime":57.783,"endTime":59.033,"body":"Is there any sand on that"},{"speaker":"Andrew Chermark","startTime":59.043,"endTime":59.493,"body":"beach?"},{"speaker":"Andrew Chermark","startTime":60.363,"endTime":63.283,"body":"Well, you know, we're, we're,"},{"speaker":"Andrew Chermark","startTime":60.363,"endTime":63.283,"body":"we're, there is some sand,"},{"speaker":"Andrew Chermark","startTime":63.293,"endTime":64.693,"body":"there's still some sand left."},{"speaker":"Andrew Chermark","startTime":64.713,"endTime":69.133,"body":"Um, and it's, uh, it's pretty nice,"},{"speaker":"Andrew Chermark","startTime":64.713,"endTime":69.133,"body":"but, uh, the summers unfortunately"},{"speaker":"Andrew Chermark","startTime":69.133,"endTime":70.553,"body":"are short here in the Northeast."},{"speaker":"Andrew Chermark","startTime":71.003,"endTime":71.333,"body":"Yeah,"},{"speaker":"Chris Harris, Safety Dawg","startTime":71.563,"endTime":72.193,"body":"no doubt."},{"speaker":"Chris Harris, Safety Dawg","startTime":72.363,"endTime":76.503,"body":"Hey, we're a little bit further"},{"speaker":"Chris Harris, Safety Dawg","startTime":72.363,"endTime":76.503,"body":"north than you, so we understand."},{"speaker":"Chris Harris, Safety Dawg","startTime":78.723,"endTime":85.023,"body":"Give us some insights into the"},{"speaker":"Chris Harris, Safety Dawg","startTime":78.723,"endTime":85.023,"body":"telematics industry and what's"},{"speaker":"Chris Harris, Safety Dawg","startTime":85.023,"endTime":88.163,"body":"been changing in, in telematics."},{"speaker":"Andrew Chermark","startTime":88.163,"endTime":88.19,"body":"Thanks."},{"speaker":"Andrew Chermark","startTime":88.19,"endTime":88.218,"body":"Thanks."},{"speaker":"Andrew Chermark","startTime":89.088,"endTime":91.168,"body":"Well, thank you for that question, Chris."},{"speaker":"Andrew Chermark","startTime":91.168,"endTime":95.438,"body":"Yeah, it's, um, it's amazing how life"},{"speaker":"Andrew Chermark","startTime":91.168,"endTime":95.438,"body":"in general is changing, as well as"},{"speaker":"Andrew Chermark","startTime":95.438,"endTime":100.598,"body":"technology, uh, with, with introductions"},{"speaker":"Andrew Chermark","startTime":95.438,"endTime":100.598,"body":"of, of different, um, machine learning"},{"speaker":"Andrew Chermark","startTime":100.598,"endTime":102.238,"body":"and, and all kinds of different stuff."},{"speaker":"Andrew Chermark","startTime":102.238,"endTime":105.468,"body":"But what I see, and I"},{"speaker":"Andrew Chermark","startTime":102.238,"endTime":105.468,"body":"lived it, uh, started doing"},{"speaker":"Andrew Chermark","startTime":105.628,"endTime":107.738,"body":"telematics in the early 2000s."},{"speaker":"Andrew Chermark","startTime":108.168,"endTime":112.128,"body":"And when we first started, um,"},{"speaker":"Andrew Chermark","startTime":108.168,"endTime":112.128,"body":"they were hardwired devices, guys."},{"speaker":"Andrew Chermark","startTime":112.398,"endTime":116.228,"body":"Hardwired devices were typically,"},{"speaker":"Andrew Chermark","startTime":112.398,"endTime":116.228,"body":"you know, red was your power."},{"speaker":"Andrew Chermark","startTime":116.253,"endTime":119.233,"body":"White was your ignition"},{"speaker":"Andrew Chermark","startTime":116.253,"endTime":119.233,"body":"and black was your ground."},{"speaker":"Andrew Chermark","startTime":119.413,"endTime":123.693,"body":"So we were just kind of pulling power and"},{"speaker":"Andrew Chermark","startTime":119.413,"endTime":123.693,"body":"a box that would track would be able to"},{"speaker":"Andrew Chermark","startTime":123.693,"endTime":128.973,"body":"triangulate from satellites, you know,"},{"speaker":"Andrew Chermark","startTime":123.693,"endTime":128.973,"body":"um, and then they would use the satellites"},{"speaker":"Andrew Chermark","startTime":128.973,"endTime":133.623,"body":"to put them, put where that vehicle"},{"speaker":"Andrew Chermark","startTime":128.973,"endTime":133.623,"body":"was and then transfer that information."},{"speaker":"Andrew Chermark","startTime":134.033,"endTime":137.073,"body":"Through cell towers to computer"},{"speaker":"Andrew Chermark","startTime":134.033,"endTime":137.073,"body":"service, which obviously people"},{"speaker":"Andrew Chermark","startTime":137.073,"endTime":138.453,"body":"are accessing on the internet."},{"speaker":"Andrew Chermark","startTime":138.803,"endTime":142.013,"body":"And when we first started,"},{"speaker":"Andrew Chermark","startTime":138.803,"endTime":142.013,"body":"it was all just big brother."},{"speaker":"Andrew Chermark","startTime":142.123,"endTime":147.083,"body":"It was really companies wanting to know,"},{"speaker":"Andrew Chermark","startTime":142.123,"endTime":147.083,"body":"you know, where, where are my employees?"},{"speaker":"Andrew Chermark","startTime":147.163,"endTime":148.703,"body":"Are they getting to the jobs?"},{"speaker":"Andrew Chermark","startTime":148.953,"endTime":151.673,"body":"And then as the business changed a"},{"speaker":"Andrew Chermark","startTime":148.953,"endTime":151.673,"body":"little bit through the years, they"},{"speaker":"Andrew Chermark","startTime":151.673,"endTime":155.483,"body":"started to say, Oh, wow, this is a"},{"speaker":"Andrew Chermark","startTime":151.673,"endTime":155.483,"body":"great productivity efficiency tool."},{"speaker":"Andrew Chermark","startTime":155.813,"endTime":160.113,"body":"Um, not only can I do that, but I can"},{"speaker":"Andrew Chermark","startTime":155.813,"endTime":160.113,"body":"confirm my payroll, my billable hours."},{"speaker":"Andrew Chermark","startTime":160.628,"endTime":164.328,"body":"Um, you know, a lot of companies love"},{"speaker":"Andrew Chermark","startTime":160.628,"endTime":164.328,"body":"to use it for billable hours because,"},{"speaker":"Andrew Chermark","startTime":164.618,"endTime":168.448,"body":"you know, during those times, uh,"},{"speaker":"Andrew Chermark","startTime":164.618,"endTime":168.448,"body":"when, when times were tough for all"},{"speaker":"Andrew Chermark","startTime":168.448,"endTime":172.718,"body":"consumers and people in general, you"},{"speaker":"Andrew Chermark","startTime":168.448,"endTime":172.718,"body":"know, consumers were calling these, uh,"},{"speaker":"Andrew Chermark","startTime":172.878,"endTime":176.508,"body":"home service contractors or delivery"},{"speaker":"Andrew Chermark","startTime":172.878,"endTime":176.508,"body":"companies saying, Hey, you're, you know,"},{"speaker":"Andrew Chermark","startTime":176.508,"endTime":179.288,"body":"your guy was only here for an hour."},{"speaker":"Andrew Chermark","startTime":179.338,"endTime":181.338,"body":"Why are you billing me for three hours?"},{"speaker":"Andrew Chermark","startTime":182.908,"endTime":187.078,"body":"So companies were using this to,"},{"speaker":"Andrew Chermark","startTime":182.908,"endTime":187.078,"body":"um, to kind of confirm how long guys"},{"speaker":"Andrew Chermark","startTime":187.078,"endTime":188.828,"body":"were there and to get paid timely."},{"speaker":"Andrew Chermark","startTime":189.138,"endTime":189.808,"body":"Um, sure."},{"speaker":"Andrew Chermark","startTime":189.818,"endTime":193.228,"body":"What's kind of transpired over the last"},{"speaker":"Andrew Chermark","startTime":189.818,"endTime":193.228,"body":"couple of years, say the last five years"},{"speaker":"Andrew Chermark","startTime":193.228,"endTime":195.078,"body":"or so, is that the units have changed."},{"speaker":"Andrew Chermark","startTime":195.388,"endTime":200.268,"body":"Um, the actual units now plug into"},{"speaker":"Andrew Chermark","startTime":195.388,"endTime":200.268,"body":"the diagnostic port of a vehicle."},{"speaker":"Andrew Chermark","startTime":200.618,"endTime":204.948,"body":"Now, if it's a light duty vehicle,"},{"speaker":"Andrew Chermark","startTime":200.618,"endTime":204.948,"body":"they call it an OBD2 and it's a"},{"speaker":"Andrew Chermark","startTime":204.948,"endTime":209.408,"body":"little square plug that mechanics"},{"speaker":"Andrew Chermark","startTime":204.948,"endTime":209.408,"body":"plug into when you bring it to a car"},{"speaker":"Andrew Chermark","startTime":209.408,"endTime":212.218,"body":"dealership for like light duty vehicles."},{"speaker":"Andrew Chermark","startTime":212.538,"endTime":215.338,"body":"For your heavy duty vehicles,"},{"speaker":"Andrew Chermark","startTime":212.538,"endTime":215.338,"body":"like your tractors that are"},{"speaker":"Andrew Chermark","startTime":215.368,"endTime":219.758,"body":"truck, you know, tractors for Big"},{"speaker":"Andrew Chermark","startTime":215.368,"endTime":219.758,"body":"trucks or, um, yellow equipment."},{"speaker":"Andrew Chermark","startTime":219.938,"endTime":221.488,"body":"They call them J Buses."},{"speaker":"Andrew Chermark","startTime":221.648,"endTime":224.908,"body":"Uh, and if anybody on the call"},{"speaker":"Andrew Chermark","startTime":221.648,"endTime":224.908,"body":"knows, um, they kind of look"},{"speaker":"Andrew Chermark","startTime":224.908,"endTime":229.008,"body":"like, uh, heavy duty extension"},{"speaker":"Andrew Chermark","startTime":224.908,"endTime":229.008,"body":"cords where the plug is circular."},{"speaker":"Andrew Chermark","startTime":229.048,"endTime":232.688,"body":"It's a circular plug and it's"},{"speaker":"Andrew Chermark","startTime":229.048,"endTime":232.688,"body":"either a six or a nine pin plug."},{"speaker":"Andrew Chermark","startTime":233.698,"endTime":238.658,"body":"The point though, guys, is that because"},{"speaker":"Andrew Chermark","startTime":233.698,"endTime":238.658,"body":"we're able to plug into the diagnostics"},{"speaker":"Andrew Chermark","startTime":238.698,"endTime":243.378,"body":"and the brains of a vehicle, we're"},{"speaker":"Andrew Chermark","startTime":238.698,"endTime":243.378,"body":"actually able to pull diagnostic"},{"speaker":"Andrew Chermark","startTime":243.378,"endTime":247.548,"body":"information, not only the health of"},{"speaker":"Andrew Chermark","startTime":243.378,"endTime":247.548,"body":"the vehicle, but the actual driver"},{"speaker":"Andrew Chermark","startTime":247.548,"endTime":252.238,"body":"behavior, such as harsh braking,"},{"speaker":"Andrew Chermark","startTime":247.548,"endTime":252.238,"body":"rapid acceleration on their cornering."},{"speaker":"Andrew Chermark","startTime":252.398,"endTime":256.858,"body":"accelerometer now in the"},{"speaker":"Andrew Chermark","startTime":252.398,"endTime":256.858,"body":"actual GPS telematics device."},{"speaker":"Andrew Chermark","startTime":257.028,"endTime":257.118,"body":"Yep."},{"speaker":"Andrew Chermark","startTime":258.133,"endTime":263.143,"body":"With those changes, um, the introduction"},{"speaker":"Andrew Chermark","startTime":258.133,"endTime":263.143,"body":"of safety started to kind of get"},{"speaker":"Andrew Chermark","startTime":263.153,"endTime":267.133,"body":"implemented through these Telemax"},{"speaker":"Andrew Chermark","startTime":263.153,"endTime":267.133,"body":"companies, and I know we'll talk"},{"speaker":"Andrew Chermark","startTime":267.133,"endTime":271.393,"body":"later about some of the advantages"},{"speaker":"Andrew Chermark","startTime":267.133,"endTime":271.393,"body":"of how that involves around safety,"},{"speaker":"Andrew Chermark","startTime":271.393,"endTime":272.613,"body":"but that's kind of how it changed."},{"speaker":"Andrew Chermark","startTime":272.643,"endTime":276.663,"body":"Um, you know, companies are"},{"speaker":"Andrew Chermark","startTime":272.643,"endTime":276.663,"body":"now implementing, uh, you"},{"speaker":"Andrew Chermark","startTime":276.663,"endTime":278.223,"body":"know, driver safety programs."},{"speaker":"Andrew Chermark","startTime":278.693,"endTime":280.703,"body":"Uh, they have maintenance programs where."},{"speaker":"Andrew Chermark","startTime":280.918,"endTime":285.508,"body":"You know, if a guy of a check engine"},{"speaker":"Andrew Chermark","startTime":280.918,"endTime":285.508,"body":"light comes up on the main dashboard, um,"},{"speaker":"Andrew Chermark","startTime":285.508,"endTime":290.238,"body":"it instantly sends an email notification"},{"speaker":"Andrew Chermark","startTime":285.508,"endTime":290.238,"body":"to the fleet manager, letting them know"},{"speaker":"Andrew Chermark","startTime":290.238,"endTime":291.438,"body":"something's wrong with their vehicle."},{"speaker":"Chris Harris, Safety Dawg","startTime":292.568,"endTime":293.228,"body":"Well, yeah."},{"speaker":"Chris Harris, Safety Dawg","startTime":293.228,"endTime":298.658,"body":"And I mean, some of the other things,"},{"speaker":"Chris Harris, Safety Dawg","startTime":293.228,"endTime":298.658,"body":"um, you alluded to it, but let's jump"},{"speaker":"Chris Harris, Safety Dawg","startTime":298.658,"endTime":304.698,"body":"into driver scorecards, uh, because"},{"speaker":"Chris Harris, Safety Dawg","startTime":298.658,"endTime":304.698,"body":"I really believe that is one of the"},{"speaker":"Chris Harris, Safety Dawg","startTime":304.838,"endTime":312.168,"body":"huge advancement, uh, of telematics"},{"speaker":"Chris Harris, Safety Dawg","startTime":304.838,"endTime":312.168,"body":"of ELDs is that we can now start."},{"speaker":"Chris Harris, Safety Dawg","startTime":312.623,"endTime":316.073,"body":"Educating the driver on"},{"speaker":"Chris Harris, Safety Dawg","startTime":312.623,"endTime":316.073,"body":"some different habits."},{"speaker":"Andrew Chermark","startTime":316.913,"endTime":317.653,"body":"Absolutely."},{"speaker":"Andrew Chermark","startTime":317.653,"endTime":320.563,"body":"And you know, the biggest thing, you"},{"speaker":"Andrew Chermark","startTime":317.653,"endTime":320.563,"body":"know, they say nowadays, you know,"},{"speaker":"Andrew Chermark","startTime":320.583,"endTime":327.963,"body":"90% um, of a lot of the accidents is,"},{"speaker":"Andrew Chermark","startTime":320.583,"endTime":327.963,"body":"is behavior and attitudes of drivers."},{"speaker":"Andrew Chermark","startTime":327.963,"endTime":331.653,"body":"And, you know, people have the way"},{"speaker":"Andrew Chermark","startTime":327.963,"endTime":331.653,"body":"that they drive and repetition."},{"speaker":"Andrew Chermark","startTime":331.653,"endTime":336.963,"body":"And, you know, these scorecards, um,"},{"speaker":"Andrew Chermark","startTime":331.653,"endTime":336.963,"body":"it's an algorithm that these telematics"},{"speaker":"Andrew Chermark","startTime":337.003,"endTime":344.408,"body":"companies put together on four, maybe"},{"speaker":"Andrew Chermark","startTime":337.003,"endTime":344.408,"body":"five, And these elements are, uh, harsh"},{"speaker":"Andrew Chermark","startTime":344.408,"endTime":350.218,"body":"braking, rapid acceleration, uh, hard"},{"speaker":"Andrew Chermark","startTime":344.408,"endTime":350.218,"body":"cornering, um, and some other factors,"},{"speaker":"Andrew Chermark","startTime":350.228,"endTime":353.748,"body":"seatbelt, um, if they're wearing a"},{"speaker":"Andrew Chermark","startTime":350.228,"endTime":353.748,"body":"seatbelt, they're not wearing a seatbelt."},{"speaker":"Andrew Chermark","startTime":354.018,"endTime":357.238,"body":"And then what they do is, uh, each"},{"speaker":"Andrew Chermark","startTime":354.018,"endTime":357.238,"body":"company, and then obviously miles"},{"speaker":"Andrew Chermark","startTime":357.288,"endTime":360.688,"body":"driven, because we all know that"},{"speaker":"Andrew Chermark","startTime":357.288,"endTime":360.688,"body":"the more miles that you drive."},{"speaker":"Andrew Chermark","startTime":360.968,"endTime":365.298,"body":"And depending upon what time of the day"},{"speaker":"Andrew Chermark","startTime":360.968,"endTime":365.298,"body":"you drive, uh, that's how the risk profile"},{"speaker":"Andrew Chermark","startTime":365.298,"endTime":367.968,"body":"gets created by an insurance underwriter."},{"speaker":"Andrew Chermark","startTime":368.228,"endTime":372.128,"body":"So they take all those different elements"},{"speaker":"Andrew Chermark","startTime":368.228,"endTime":372.128,"body":"and they put it in what they call"},{"speaker":"Andrew Chermark","startTime":372.128,"endTime":375.858,"body":"their secret sauce, their algorithm,"},{"speaker":"Andrew Chermark","startTime":372.128,"endTime":375.858,"body":"and then they spit out a score."},{"speaker":"Andrew Chermark","startTime":375.858,"endTime":377.798,"body":"So we all were in school, right?"},{"speaker":"Andrew Chermark","startTime":377.798,"endTime":381.278,"body":"I'm not sure what kind of, uh, class,"},{"speaker":"Andrew Chermark","startTime":377.798,"endTime":381.278,"body":"um, what kind of student you guys were,"},{"speaker":"Andrew Chermark","startTime":381.278,"endTime":383.698,"body":"but I was one of those C minus guys."},{"speaker":"Andrew Chermark","startTime":383.948,"endTime":385.358,"body":"Um, however."},{"speaker":"Andrew Chermark","startTime":385.823,"endTime":389.063,"body":"Um, it, it kind of, most of the"},{"speaker":"Andrew Chermark","startTime":385.823,"endTime":389.063,"body":"companies rate from zero to a"},{"speaker":"Andrew Chermark","startTime":389.063,"endTime":390.763,"body":"hundred in the telematics world."},{"speaker":"Andrew Chermark","startTime":391.033,"endTime":393.353,"body":"You know, obviously the higher"},{"speaker":"Andrew Chermark","startTime":391.033,"endTime":393.353,"body":"the score, the safer the driver."},{"speaker":"Andrew Chermark","startTime":394.373,"endTime":398.263,"body":"But what it really has really helped"},{"speaker":"Andrew Chermark","startTime":394.373,"endTime":398.263,"body":"companies is, it's helped companies"},{"speaker":"Andrew Chermark","startTime":398.263,"endTime":403.163,"body":"really identify the bottom 20%"},{"speaker":"Andrew Chermark","startTime":398.263,"endTime":403.163,"body":"of their most riskiest drivers."},{"speaker":"Andrew Chermark","startTime":403.533,"endTime":410.828,"body":"And typically within a company, those"},{"speaker":"Andrew Chermark","startTime":403.533,"endTime":410.828,"body":"risky the, um, Are the next trip away"},{"speaker":"Andrew Chermark","startTime":410.828,"endTime":412.568,"body":"from having a potential collision."},{"speaker":"Andrew Chermark","startTime":413.088,"endTime":416.998,"body":"So again, I think the most important"},{"speaker":"Andrew Chermark","startTime":413.088,"endTime":416.998,"body":"thing that, you know, to educate the"},{"speaker":"Andrew Chermark","startTime":416.998,"endTime":421.168,"body":"folks on this call today is that,"},{"speaker":"Andrew Chermark","startTime":416.998,"endTime":421.168,"body":"you know, identify the most riskiest"},{"speaker":"Andrew Chermark","startTime":421.168,"endTime":427.288,"body":"drivers, um, and rehabilitate and coach"},{"speaker":"Andrew Chermark","startTime":421.168,"endTime":427.288,"body":"them, you know, in today's world, you"},{"speaker":"Andrew Chermark","startTime":427.288,"endTime":429.108,"body":"know, it's very hard to find good."},{"speaker":"Andrew Chermark","startTime":429.108,"endTime":433.858,"body":"Employees, um, whether you're a truck"},{"speaker":"Andrew Chermark","startTime":429.108,"endTime":433.858,"body":"driver or a home service contractor."},{"speaker":"Andrew Chermark","startTime":434.188,"endTime":437.728,"body":"Um, it's, you know, when you"},{"speaker":"Andrew Chermark","startTime":434.188,"endTime":437.728,"body":"find really good people that are"},{"speaker":"Andrew Chermark","startTime":437.828,"endTime":439.518,"body":"good people, they just need help."},{"speaker":"Andrew Chermark","startTime":439.528,"endTime":440.578,"body":"They just need coaching."},{"speaker":"Andrew Chermark","startTime":440.958,"endTime":444.068,"body":"And you know, listen, we all,"},{"speaker":"Andrew Chermark","startTime":440.958,"endTime":444.068,"body":"we all know that you can, you"},{"speaker":"Andrew Chermark","startTime":444.068,"endTime":446.028,"body":"get, you get similar results."},{"speaker":"Andrew Chermark","startTime":446.248,"endTime":449.378,"body":"Whether you get, you kick someone in"},{"speaker":"Andrew Chermark","startTime":446.248,"endTime":449.378,"body":"the butt or you pat them on the back."},{"speaker":"Andrew Chermark","startTime":449.748,"endTime":454.828,"body":"And what I found is that patting people"},{"speaker":"Andrew Chermark","startTime":449.748,"endTime":454.828,"body":"on the back and rewarding them for,"},{"speaker":"Andrew Chermark","startTime":455.268,"endTime":459.628,"body":"you know, for their good attitude and"},{"speaker":"Andrew Chermark","startTime":455.268,"endTime":459.628,"body":"their good behavior goes a lot longer"},{"speaker":"Andrew Chermark","startTime":459.628,"endTime":461.948,"body":"and it's really become a retention tool."},{"speaker":"Andrew Chermark","startTime":462.283,"endTime":465.673,"body":"For a lot of companies nowadays these"},{"speaker":"Andrew Chermark","startTime":462.283,"endTime":465.673,"body":"scorecards because I'll give you an"},{"speaker":"Andrew Chermark","startTime":465.673,"endTime":470.853,"body":"example one of the companies that are out"},{"speaker":"Andrew Chermark","startTime":465.673,"endTime":470.853,"body":"there Bridgestone Mobility One of their"},{"speaker":"Andrew Chermark","startTime":470.853,"endTime":477.163,"body":"subsidiaries, they actually tie these"},{"speaker":"Andrew Chermark","startTime":470.853,"endTime":477.163,"body":"safety rewards Into electronic gift cards"},{"speaker":"Andrew Chermark","startTime":477.553,"endTime":482.683,"body":"that can actually be sent out directly"},{"speaker":"Andrew Chermark","startTime":477.553,"endTime":482.683,"body":"to the mobile app of a driver So all the"},{"speaker":"Andrew Chermark","startTime":482.683,"endTime":486.953,"body":"telematics companies have mobile apps"},{"speaker":"Andrew Chermark","startTime":482.683,"endTime":486.953,"body":"where the drivers can see where they rank"},{"speaker":"Andrew Chermark","startTime":487.148,"endTime":492.298,"body":"And that's fantastic because it's creating"},{"speaker":"Andrew Chermark","startTime":487.148,"endTime":492.298,"body":"camaraderie, they're gamifying it, and"},{"speaker":"Andrew Chermark","startTime":492.298,"endTime":494.278,"body":"they're getting people engaged, right?"},{"speaker":"Andrew Chermark","startTime":494.278,"endTime":496.638,"body":"Engaged in safing drive, driving safe."},{"speaker":"Andrew Chermark","startTime":496.638,"endTime":499.468,"body":"That's what we talked about"},{"speaker":"Andrew Chermark","startTime":496.638,"endTime":499.468,"body":"earlier, you know, getting everyone"},{"speaker":"Andrew Chermark","startTime":499.478,"endTime":501.028,"body":"home safe to their families."},{"speaker":"Andrew Chermark","startTime":501.028,"endTime":502.788,"body":"That's, that's the number one thing."},{"speaker":"Andrew Chermark","startTime":503.168,"endTime":506.848,"body":"Um, what Bridgestone has kind of done is"},{"speaker":"Andrew Chermark","startTime":503.168,"endTime":506.848,"body":"they kind of take it to the second level."},{"speaker":"Andrew Chermark","startTime":507.008,"endTime":511.813,"body":"Uh, they're one of the only companies"},{"speaker":"Andrew Chermark","startTime":507.008,"endTime":511.813,"body":"that actually implemented in a"},{"speaker":"Andrew Chermark","startTime":511.813,"endTime":516.043,"body":"rewards program where these electronic"},{"speaker":"Andrew Chermark","startTime":511.813,"endTime":516.043,"body":"gift cards can be used at big boxes"},{"speaker":"Andrew Chermark","startTime":516.273,"endTime":521.213,"body":"such as Walmart, um, Home Depot,"},{"speaker":"Andrew Chermark","startTime":516.273,"endTime":521.213,"body":"Starbucks, Burger King, Amazon."},{"speaker":"Andrew Chermark","startTime":521.523,"endTime":526.233,"body":"And what it does is, um, it, it gets"},{"speaker":"Andrew Chermark","startTime":521.523,"endTime":526.233,"body":"people, you know, listen, most people"},{"speaker":"Andrew Chermark","startTime":526.233,"endTime":529.203,"body":"do what they get rewarded for, you"},{"speaker":"Andrew Chermark","startTime":526.233,"endTime":529.203,"body":"know, it's, let's face it, right?"},{"speaker":"Andrew Chermark","startTime":529.243,"endTime":535.253,"body":"I mean, so I think, um, not only can"},{"speaker":"Andrew Chermark","startTime":529.243,"endTime":535.253,"body":"you use a rewards program, uh, to retain"},{"speaker":"Andrew Chermark","startTime":535.253,"endTime":539.183,"body":"your drivers, but you can also do it"},{"speaker":"Andrew Chermark","startTime":535.253,"endTime":539.183,"body":"to rehabilitate and coach them as well."},{"speaker":"Chris Harris, Safety Dawg","startTime":540.583,"endTime":545.763,"body":"And just to"},{"speaker":"Chris Harris, Safety Dawg","startTime":540.583,"endTime":545.763,"body":"further that from a risk point of view,"},{"speaker":"Chris Harris, Safety Dawg","startTime":546.113,"endTime":553.133,"body":"I would love it if the company would"},{"speaker":"Chris Harris, Safety Dawg","startTime":546.113,"endTime":553.133,"body":"send to the spouse notification that that"},{"speaker":"Chris Harris, Safety Dawg","startTime":553.183,"endTime":555.553,"body":"electronic gift card went out, because"},{"speaker":"Chris Harris, Safety Dawg","startTime":559.273,"endTime":563.723,"body":"Asking the driver, Hey, where's my"},{"speaker":"Chris Harris, Safety Dawg","startTime":559.273,"endTime":563.723,"body":"quarterly gift card or something?"},{"speaker":"Chris Harris, Safety Dawg","startTime":563.943,"endTime":566.023,"body":"Now we've got real incentive."},{"speaker":"Andrew Chermark","startTime":570.323,"endTime":571.943,"body":"Yeah, I"},{"speaker":"Andrew Chermark","startTime":570.323,"endTime":571.943,"body":"tell you, no, it's great."},{"speaker":"Andrew Chermark","startTime":571.943,"endTime":575.523,"body":"It's a, it's, it's become, um, like I"},{"speaker":"Andrew Chermark","startTime":571.943,"endTime":575.523,"body":"said, that that's some of the changes"},{"speaker":"Andrew Chermark","startTime":575.523,"endTime":579.423,"body":"going on and it's, uh, it's a positive"},{"speaker":"Andrew Chermark","startTime":575.523,"endTime":579.423,"body":"thing guys, cause you know what?"},{"speaker":"Andrew Chermark","startTime":579.933,"endTime":582.153,"body":"You know, people, people"},{"speaker":"Andrew Chermark","startTime":579.933,"endTime":582.153,"body":"respond differently."},{"speaker":"Andrew Chermark","startTime":582.153,"endTime":585.283,"body":"I mean, you got managers out there and"},{"speaker":"Andrew Chermark","startTime":582.153,"endTime":585.283,"body":"you can't manage people the same way."},{"speaker":"Andrew Chermark","startTime":585.293,"endTime":589.713,"body":"You know, you need to manage people as"},{"speaker":"Andrew Chermark","startTime":585.293,"endTime":589.713,"body":"individuals and, and just again, try"},{"speaker":"Andrew Chermark","startTime":589.713,"endTime":594.773,"body":"to, try to change their behavior and"},{"speaker":"Andrew Chermark","startTime":589.713,"endTime":594.773,"body":"attitude in a positive way to get the"},{"speaker":"Andrew Chermark","startTime":594.773,"endTime":596.623,"body":"results that companies are looking for."},{"speaker":"Andrew Chermark","startTime":596.653,"endTime":598.923,"body":"Um, ultimately you talked"},{"speaker":"Andrew Chermark","startTime":596.653,"endTime":598.923,"body":"about it, Chris, right?"},{"speaker":"Andrew Chermark","startTime":598.923,"endTime":599.963,"body":"A risk profile, right?"},{"speaker":"Andrew Chermark","startTime":599.963,"endTime":602.703,"body":"So, so how does a company"},{"speaker":"Andrew Chermark","startTime":599.963,"endTime":602.703,"body":"change their risk profile?"},{"speaker":"Andrew Chermark","startTime":602.703,"endTime":603.703,"body":"How do they?"},{"speaker":"Andrew Chermark","startTime":603.983,"endTime":608.783,"body":"Try to, um, get some sort of consideration"},{"speaker":"Andrew Chermark","startTime":603.983,"endTime":608.783,"body":"or credits from an insurance company."},{"speaker":"Andrew Chermark","startTime":608.783,"endTime":611.523,"body":"Well, the way to do it is"},{"speaker":"Andrew Chermark","startTime":608.783,"endTime":611.523,"body":"share your telematics data."},{"speaker":"Andrew Chermark","startTime":611.773,"endTime":614.553,"body":"You know, if you do, you know, you"},{"speaker":"Andrew Chermark","startTime":611.773,"endTime":614.553,"body":"don't need to deal with a, you can"},{"speaker":"Andrew Chermark","startTime":614.563,"endTime":617.313,"body":"deal with a company like ours or"},{"speaker":"Andrew Chermark","startTime":614.563,"endTime":617.313,"body":"anybody out there that's, that's"},{"speaker":"Andrew Chermark","startTime":617.323,"endTime":619.353,"body":"selling telematics or risk services."},{"speaker":"Andrew Chermark","startTime":619.353,"endTime":624.103,"body":"The bottom line is you need to, uh,"},{"speaker":"Andrew Chermark","startTime":619.353,"endTime":624.103,"body":"clean the data obviously first, right?"},{"speaker":"Andrew Chermark","startTime":624.103,"endTime":625.343,"body":"Cause we can't share data."},{"speaker":"Andrew Chermark","startTime":625.343,"endTime":626.753,"body":"That's not good data, right?"},{"speaker":"Andrew Chermark","startTime":627.083,"endTime":631.163,"body":"Um, but what's nice is it can help"},{"speaker":"Andrew Chermark","startTime":627.083,"endTime":631.163,"body":"you, um, offset your loss runs."},{"speaker":"Andrew Chermark","startTime":631.528,"endTime":635.538,"body":"Uh, with your, uh, cost of"},{"speaker":"Andrew Chermark","startTime":631.528,"endTime":635.538,"body":"claims and frequency by showing"},{"speaker":"Andrew Chermark","startTime":635.548,"endTime":638.198,"body":"historical good safe driving data."},{"speaker":"Andrew Chermark","startTime":638.498,"endTime":640.208,"body":"And that's what these scorecards do."},{"speaker":"Andrew Chermark","startTime":640.208,"endTime":641.988,"body":"And that's what insurance"},{"speaker":"Andrew Chermark","startTime":640.208,"endTime":641.988,"body":"companies want to see."},{"speaker":"Andrew Chermark","startTime":641.988,"endTime":645.428,"body":"They want to see historical"},{"speaker":"Andrew Chermark","startTime":641.988,"endTime":645.428,"body":"trends going like this, guys."},{"speaker":"Andrew Chermark","startTime":645.728,"endTime":646.338,"body":"Going up."},{"speaker":"Andrew Chermark","startTime":646.538,"endTime":648.838,"body":"Now it doesn't necessarily"},{"speaker":"Andrew Chermark","startTime":646.538,"endTime":648.838,"body":"need to go like this, right?"},{"speaker":"Andrew Chermark","startTime":649.108,"endTime":649.668,"body":"But Mm hmm."},{"speaker":"Andrew Chermark","startTime":650.153,"endTime":654.753,"body":"It needs to be historical and it needs to"},{"speaker":"Andrew Chermark","startTime":650.153,"endTime":654.753,"body":"show a behavior pattern that is showing"},{"speaker":"Andrew Chermark","startTime":654.753,"endTime":659.233,"body":"it going in the right trend and that"},{"speaker":"Andrew Chermark","startTime":654.753,"endTime":659.233,"body":"you, um, that you are addressing these"},{"speaker":"Andrew Chermark","startTime":659.233,"endTime":663.843,"body":"safety measures, uh, not only on a monthly"},{"speaker":"Andrew Chermark","startTime":659.233,"endTime":663.843,"body":"basis, but we're seeing companies doing"},{"speaker":"Andrew Chermark","startTime":663.843,"endTime":666.613,"body":"a biweekly now because the data is there."},{"speaker":"Andrew Chermark","startTime":666.613,"endTime":671.953,"body":"So the more that the owners pay"},{"speaker":"Andrew Chermark","startTime":666.613,"endTime":671.953,"body":"attention to, uh, to driver safety,"},{"speaker":"Andrew Chermark","startTime":672.023,"endTime":674.823,"body":"um, the more impact it can have."},{"speaker":"Andrew Chermark","startTime":675.033,"endTime":676.123,"body":"on the actual driver."},{"speaker":"Andrew Chermark","startTime":676.963,"endTime":678.423,"body":"I got a question for you, Andrew."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":679.013,"endTime":680.883,"body":"With your organization and whatnot,"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":680.953,"endTime":685.613,"body":"um, what percentage of your business"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":680.953,"endTime":685.613,"body":"would you say is probably more aligned"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":685.613,"endTime":690.943,"body":"to that lighter commercial application"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":685.613,"endTime":690.943,"body":"versus the heavy tractor trailer type"},{"speaker":"Andrew Chermark","startTime":690.993,"endTime":691.563,"body":"business?"},{"speaker":"Andrew Chermark","startTime":692.298,"endTime":696.118,"body":"So in, in our particular industry, we"},{"speaker":"Andrew Chermark","startTime":692.298,"endTime":696.118,"body":"have a sister company called Smart Fleet,"},{"speaker":"Andrew Chermark","startTime":696.188,"endTime":701.368,"body":"um, that they've been around for about"},{"speaker":"Andrew Chermark","startTime":696.188,"endTime":701.368,"body":"15 years, um, in that particular, uh,"},{"speaker":"Andrew Chermark","startTime":701.378,"endTime":706.618,"body":"vertical, we, we do sell, uh, construction"},{"speaker":"Andrew Chermark","startTime":701.378,"endTime":706.618,"body":"companies and we do have maybe a, a"},{"speaker":"Andrew Chermark","startTime":706.618,"endTime":712.778,"body":"couple of dozen trucking companies, but"},{"speaker":"Andrew Chermark","startTime":706.618,"endTime":712.778,"body":"the majority of our customer base is home"},{"speaker":"Andrew Chermark","startTime":712.778,"endTime":719.708,"body":"service contractors, which is your HVAC"},{"speaker":"Andrew Chermark","startTime":712.778,"endTime":719.708,"body":"contractor, um, when what we're finding at"},{"speaker":"Andrew Chermark","startTime":719.728,"endTime":727.033,"body":"is that, um, Those particular industry is"},{"speaker":"Andrew Chermark","startTime":719.728,"endTime":727.033,"body":"not as heavily regulated as the trucking"},{"speaker":"Andrew Chermark","startTime":727.033,"endTime":731.873,"body":"industry where, as you guys know, when"},{"speaker":"Andrew Chermark","startTime":727.033,"endTime":731.873,"body":"a heavy duty truck, whether it's a truck"},{"speaker":"Andrew Chermark","startTime":731.873,"endTime":738.413,"body":"driver or construction vehicle, anybody"},{"speaker":"Andrew Chermark","startTime":731.873,"endTime":738.413,"body":"that has a heavy duty vehicle, the cost"},{"speaker":"Andrew Chermark","startTime":738.413,"endTime":744.663,"body":"of the claims is severe and there are"},{"speaker":"Andrew Chermark","startTime":738.413,"endTime":744.663,"body":"some There's some serious nuclear verdicts"},{"speaker":"Andrew Chermark","startTime":744.683,"endTime":747.083,"body":"going on right now around the world."},{"speaker":"Andrew Chermark","startTime":747.593,"endTime":751.693,"body":"And, um, that particular"},{"speaker":"Andrew Chermark","startTime":747.593,"endTime":751.693,"body":"industry has a lot of regulation."},{"speaker":"Andrew Chermark","startTime":751.703,"endTime":753.003,"body":"They have a lot of risk."},{"speaker":"Andrew Chermark","startTime":753.263,"endTime":757.183,"body":"Um, and a lot of people focus"},{"speaker":"Andrew Chermark","startTime":753.263,"endTime":757.183,"body":"on that, and as they should."},{"speaker":"Andrew Chermark","startTime":757.453,"endTime":761.823,"body":"Um, but I'm here to tell you that,"},{"speaker":"Andrew Chermark","startTime":757.453,"endTime":761.823,"body":"you know, just because you drive a"},{"speaker":"Andrew Chermark","startTime":761.823,"endTime":766.513,"body":"lighter vehicle doesn't mean that"},{"speaker":"Andrew Chermark","startTime":761.823,"endTime":766.513,"body":"you can't get in a severe accident,"},{"speaker":"Andrew Chermark","startTime":766.683,"endTime":769.163,"body":"collision, like a truck can as well."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":769.808,"endTime":770.128,"body":"Right."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":770.158,"endTime":773.008,"body":"Well, one of the, and it's interesting"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":770.158,"endTime":773.008,"body":"cause I've worked with a lot of light"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":773.008,"endTime":775.058,"body":"commercial operations in the past."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":775.058,"endTime":778.838,"body":"And, uh, one of the things that's"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":775.058,"endTime":778.838,"body":"interesting is you're usually hired"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":779.468,"endTime":785.308,"body":"for your skillset to do a particular"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":779.468,"endTime":785.308,"body":"job, not to drive that panel van, you"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":785.308,"endTime":787.188,"body":"know, or that vehicle or whatever it be."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":787.188,"endTime":789.708,"body":"It's more to go, Hey, I need"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":787.188,"endTime":789.708,"body":"you to work on HVAC systems."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":789.928,"endTime":793.328,"body":"I need somebody that's certified in"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":789.928,"endTime":793.328,"body":"that process, you know, a pipe fitter,"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":793.328,"endTime":795.148,"body":"a plumber, electrician, all that stuff."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":795.538,"endTime":796.858,"body":"Um, and."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":796.933,"endTime":800.483,"body":"Usually the companies forget about"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":796.933,"endTime":800.483,"body":"the fact that they're driving a"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":800.503,"endTime":806.353,"body":"small billboard around town, you"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":800.503,"endTime":806.353,"body":"know, so all the more reason to have"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":807.063,"endTime":814.113,"body":"a telematics program to measure,"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":807.063,"endTime":814.113,"body":"monitor, and change behavior, uh,"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":814.113,"endTime":815.443,"body":"and get it going the right way."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":815.603,"endTime":818.763,"body":"And, and, If we don't help those"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":815.603,"endTime":818.763,"body":"drivers that are operating that,"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":819.003,"endTime":821.533,"body":"and the sad part is those drivers"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":819.003,"endTime":821.533,"body":"don't think they're drivers."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":821.773,"endTime":824.963,"body":"They think they're an electrician or a"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":821.773,"endTime":824.963,"body":"tradesman or something along that line."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":825.263,"endTime":828.343,"body":"But if we can bring to their"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":825.263,"endTime":828.343,"body":"attention your driving aspect."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":828.743,"endTime":833.013,"body":"in my little billboard going"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":828.743,"endTime":833.013,"body":"around town is going to cause us"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":833.013,"endTime":835.293,"body":"great grief with our reputation."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":835.573,"endTime":839.143,"body":"Um, you know, not to mention the fact"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":835.573,"endTime":839.143,"body":"our insurance program and whatnot."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":839.143,"endTime":846.483,"body":"So, those type operations usually have"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":839.143,"endTime":846.483,"body":"a much smaller severity level, uh, when"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":846.483,"endTime":851.138,"body":"it comes to claims, but a much bigger"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":846.483,"endTime":851.138,"body":"impact when it comes to frequency."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":851.458,"endTime":854.608,"body":"So it's, it's telematics is"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":851.458,"endTime":854.608,"body":"a great tool to be able to"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":854.618,"endTime":857.018,"body":"help those smaller operations."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":857.368,"endTime":860.428,"body":"Um, which, you know, some of them"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":857.368,"endTime":860.428,"body":"are not so small, really when you got"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":860.468,"endTime":862.418,"body":"like a national operation going on."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":862.858,"endTime":864.368,"body":"Uh, but it's a small vehicle."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":864.378,"endTime":868.558,"body":"So they, they, they don't think big"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":864.378,"endTime":868.558,"body":"concept because it's just a small vehicle."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":868.618,"endTime":869.608,"body":"It's just a passenger vehicle."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":870.078,"endTime":871.768,"body":"And the sad part is we hire that."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":871.923,"endTime":875.983,"body":"That skilled person to do the job,"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":871.923,"endTime":875.983,"body":"but we forget about, we need to"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":875.983,"endTime":879.533,"body":"train them on how to operate that"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":875.983,"endTime":879.533,"body":"vehicle safely, professionally,"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":880.003,"endTime":882.993,"body":"you know, and, and telematics is a"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":880.003,"endTime":882.993,"body":"great tool to be able to kind of go,"},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":883.433,"endTime":884.993,"body":"let's measure this so we can better"},{"speaker":"Andrew Chermark","startTime":884.993,"endTime":885.463,"body":"manage it."},{"speaker":"Andrew Chermark","startTime":886.623,"endTime":887.473,"body":"Absolutely, John."},{"speaker":"Andrew Chermark","startTime":887.473,"endTime":889.623,"body":"And it's funny you bring that"},{"speaker":"Andrew Chermark","startTime":887.473,"endTime":889.623,"body":"up because we, that, that's."},{"speaker":"Andrew Chermark","startTime":889.733,"endTime":893.753,"body":"Part of our sister company, when they"},{"speaker":"Andrew Chermark","startTime":889.733,"endTime":893.753,"body":"go and they're, they're presenting the"},{"speaker":"Andrew Chermark","startTime":893.763,"endTime":897.503,"body":"telematic solution, you know, the first"},{"speaker":"Andrew Chermark","startTime":893.763,"endTime":897.503,"body":"thing we say to them is, you know,"},{"speaker":"Andrew Chermark","startTime":897.503,"endTime":899.033,"body":"they say, Oh, yeah, my tech, my tech."},{"speaker":"Andrew Chermark","startTime":899.043,"endTime":901.663,"body":"And we're like, Oh, yeah, because"},{"speaker":"Andrew Chermark","startTime":899.043,"endTime":901.663,"body":"when you're in the trucking world,"},{"speaker":"Andrew Chermark","startTime":901.663,"endTime":904.883,"body":"it's drivers when you're in the home"},{"speaker":"Andrew Chermark","startTime":901.663,"endTime":904.883,"body":"service contractor business, they're,"},{"speaker":"Andrew Chermark","startTime":905.563,"endTime":906.348,"body":"they're, they're named as tech."},{"speaker":"Andrew Chermark","startTime":906.348,"endTime":911.068,"body":"Text and I say to them, yeah, you, you,"},{"speaker":"Andrew Chermark","startTime":906.348,"endTime":911.068,"body":"you interview them about their skillset"},{"speaker":"Andrew Chermark","startTime":911.078,"endTime":917.378,"body":"to your point, John, and then you hand"},{"speaker":"Andrew Chermark","startTime":911.078,"endTime":917.378,"body":"them this 75, 000 missile, we call it with"},{"speaker":"Andrew Chermark","startTime":917.378,"endTime":919.778,"body":"your name by your billboard name on it."},{"speaker":"Andrew Chermark","startTime":920.068,"endTime":925.338,"body":"And I gotta tell you, um, there's been"},{"speaker":"Andrew Chermark","startTime":920.068,"endTime":925.338,"body":"a lot, I mean, you guys would know"},{"speaker":"Andrew Chermark","startTime":925.378,"endTime":929.718,"body":"this and I, and I've seen it firsthand"},{"speaker":"Andrew Chermark","startTime":925.378,"endTime":929.718,"body":"because I have customers in 46 states and"},{"speaker":"Andrew Chermark","startTime":929.728,"endTime":933.118,"body":"you can't go a mile or two in Florida."},{"speaker":"Andrew Chermark","startTime":933.318,"endTime":937.988,"body":"Louisiana and Texas without seeing"},{"speaker":"Andrew Chermark","startTime":933.318,"endTime":937.988,"body":"a personal attorney, uh, personal"},{"speaker":"Andrew Chermark","startTime":938.028,"endTime":939.728,"body":"injury attorney on billboards."},{"speaker":"Andrew Chermark","startTime":939.948,"endTime":940.188,"body":"Yeah."},{"speaker":"Andrew Chermark","startTime":940.188,"endTime":943.318,"body":"And they're slowly starting to"},{"speaker":"Andrew Chermark","startTime":940.188,"endTime":943.318,"body":"make their way into Tennessee now."},{"speaker":"Andrew Chermark","startTime":943.558,"endTime":949.028,"body":"And it applies to any commercial,"},{"speaker":"Andrew Chermark","startTime":943.558,"endTime":949.028,"body":"uh, driver, regardless of what."},{"speaker":"Andrew Chermark","startTime":949.898,"endTime":955.278,"body":"And we're finding that people are,"},{"speaker":"Andrew Chermark","startTime":949.898,"endTime":955.278,"body":"um, are, are unfortunately, uh, not"},{"speaker":"Andrew Chermark","startTime":955.278,"endTime":956.788,"body":"doing the right thing, so to speak."},{"speaker":"Andrew Chermark","startTime":956.788,"endTime":960.558,"body":"And they're, and they're, they're"},{"speaker":"Andrew Chermark","startTime":956.788,"endTime":960.558,"body":"causing insurance for fraud by pulling"},{"speaker":"Andrew Chermark","startTime":960.558,"endTime":963.568,"body":"out in front of these companies"},{"speaker":"Andrew Chermark","startTime":960.558,"endTime":963.568,"body":"and slamming on their brakes."},{"speaker":"Andrew Chermark","startTime":963.598,"endTime":968.098,"body":"Uh, you know, a couple of our customers"},{"speaker":"Andrew Chermark","startTime":963.598,"endTime":968.098,"body":"are in some, some lawsuits right now,"},{"speaker":"Andrew Chermark","startTime":968.148,"endTime":971.988,"body":"uh, down in those States and we're"},{"speaker":"Andrew Chermark","startTime":968.148,"endTime":971.988,"body":"trying our best to help them with data."},{"speaker":"Andrew Chermark","startTime":972.178,"endTime":975.648,"body":"Um, but to answer your, to, to talk to"},{"speaker":"Andrew Chermark","startTime":972.178,"endTime":975.648,"body":"you about that, you're absolutely right."},{"speaker":"Andrew Chermark","startTime":975.938,"endTime":979.258,"body":"Um, you know, we're trying to make them"},{"speaker":"Andrew Chermark","startTime":975.938,"endTime":979.258,"body":"aware that say, Hey, you know what guys?"},{"speaker":"Andrew Chermark","startTime":979.258,"endTime":979.428,"body":"Yeah."},{"speaker":"Andrew Chermark","startTime":979.538,"endTime":981.128,"body":"It's not just Big Brother anymore."},{"speaker":"Andrew Chermark","startTime":981.308,"endTime":983.128,"body":"You know, look at your"},{"speaker":"Andrew Chermark","startTime":981.308,"endTime":983.128,"body":"driver's scorecards."},{"speaker":"Andrew Chermark","startTime":983.138,"endTime":985.548,"body":"Look at, look at how you"},{"speaker":"Andrew Chermark","startTime":983.138,"endTime":985.548,"body":"can rehabilitate and coach."},{"speaker":"Andrew Chermark","startTime":986.158,"endTime":990.648,"body":"You know, again, it's all about, you"},{"speaker":"Andrew Chermark","startTime":986.158,"endTime":990.648,"body":"know, we, we talk about safety, safety,"},{"speaker":"Andrew Chermark","startTime":990.648,"endTime":994.858,"body":"safety, and ultimately these small"},{"speaker":"Andrew Chermark","startTime":990.648,"endTime":994.858,"body":"businesses and even trucking companies,"},{"speaker":"Andrew Chermark","startTime":994.908,"endTime":998.388,"body":"regardless of what it is, everybody"},{"speaker":"Andrew Chermark","startTime":994.908,"endTime":998.388,"body":"wants to, everybody wants to get these,"},{"speaker":"Andrew Chermark","startTime":998.398,"endTime":1001.578,"body":"these, these folks and gals home to"},{"speaker":"Andrew Chermark","startTime":998.398,"endTime":1001.578,"body":"their safe, to their families, right?"},{"speaker":"Andrew Chermark","startTime":1002.168,"endTime":1006.548,"body":"And, and obviously the way to do"},{"speaker":"Andrew Chermark","startTime":1002.168,"endTime":1006.548,"body":"that is to be more involved and be"},{"speaker":"Andrew Chermark","startTime":1006.548,"endTime":1011.098,"body":"engaged because I know that, listen,"},{"speaker":"Andrew Chermark","startTime":1006.548,"endTime":1011.098,"body":"whether you have a thousand vehicles"},{"speaker":"Andrew Chermark","startTime":1011.138,"endTime":1017.168,"body":"or you have 50 vehicles on the road,"},{"speaker":"Andrew Chermark","startTime":1011.138,"endTime":1017.168,"body":"whoever the boss is that signs the"},{"speaker":"Andrew Chermark","startTime":1017.168,"endTime":1022.978,"body":"checks, if that boss is not involved"},{"speaker":"Andrew Chermark","startTime":1017.168,"endTime":1022.978,"body":"in that bi weekly or monthly meeting."},{"speaker":"Andrew Chermark","startTime":1023.583,"endTime":1024.173,"body":", it won't work."},{"speaker":"Andrew Chermark","startTime":1024.583,"endTime":1024.933,"body":"Right."},{"speaker":"Andrew Chermark","startTime":1025.073,"endTime":1025.653,"body":"It won't work."},{"speaker":"Andrew Chermark","startTime":1026.003,"endTime":1029.063,"body":"I mean, I know they, they got these"},{"speaker":"Andrew Chermark","startTime":1026.003,"endTime":1029.063,"body":"fleet managers and safety managers"},{"speaker":"Andrew Chermark","startTime":1029.063,"endTime":1033.413,"body":"and listen, they're, they're great"},{"speaker":"Andrew Chermark","startTime":1029.063,"endTime":1033.413,"body":"and they're, and I'm not, I'm not, um,"},{"speaker":"Andrew Chermark","startTime":1033.533,"endTime":1035.333,"body":"putting them, uh, in a different light."},{"speaker":"Andrew Chermark","startTime":1035.333,"endTime":1037.643,"body":"I mean, they have a, they, they"},{"speaker":"Andrew Chermark","startTime":1035.333,"endTime":1037.643,"body":"provide great services and they"},{"speaker":"Andrew Chermark","startTime":1037.648,"endTime":1041.863,"body":"do good, but you need the person"},{"speaker":"Andrew Chermark","startTime":1037.648,"endTime":1041.863,"body":"that signs the checks mm-hmm."},{"speaker":"Andrew Chermark","startTime":1042.103,"endTime":1045.613,"body":"to be right alongside his feet manager"},{"speaker":"Andrew Chermark","startTime":1042.103,"endTime":1045.613,"body":"saying, this is important to me."},{"speaker":"Andrew Chermark","startTime":1045.643,"endTime":1045.913,"body":"Sure."},{"speaker":"Andrew Chermark","startTime":1046.003,"endTime":1048.253,"body":"To my company and to your families."},{"speaker":"Andrew Chermark","startTime":1048.373,"endTime":1048.613,"body":"Yep."},{"speaker":"Andrew Chermark","startTime":1048.853,"endTime":1050.473,"body":"Andrew, that, that, that you do this."},{"speaker":"Andrew Chermark","startTime":1050.863,"endTime":1051.193,"body":"Say"},{"speaker":"Chris Harris, Safety Dawg","startTime":1051.193,"endTime":1054.113,"body":"that one"},{"speaker":"Chris Harris, Safety Dawg","startTime":1051.193,"endTime":1054.113,"body":"more time again, because that is"},{"speaker":"Andrew Chermark","startTime":1056.433,"endTime":1057.243,"body":"so important."},{"speaker":"Andrew Chermark","startTime":1058.273,"endTime":1062.213,"body":"I tell you, I don't know when I go and"},{"speaker":"Andrew Chermark","startTime":1058.273,"endTime":1062.213,"body":"I do my fleet risk with, with small"},{"speaker":"Andrew Chermark","startTime":1062.213,"endTime":1066.123,"body":"business owners and even some business"},{"speaker":"Andrew Chermark","startTime":1062.213,"endTime":1066.123,"body":"owners that have two, 300 vehicles."},{"speaker":"Andrew Chermark","startTime":1066.423,"endTime":1071.693,"body":"Um, I say to them exactly what I just say"},{"speaker":"Andrew Chermark","startTime":1066.423,"endTime":1071.693,"body":"it again, if you need to be involved, you"},{"speaker":"Andrew Chermark","startTime":1071.693,"endTime":1076.343,"body":"know, you need to be at these meetings and"},{"speaker":"Andrew Chermark","startTime":1071.693,"endTime":1076.343,"body":"you need to pay attention to this because,"},{"speaker":"Andrew Chermark","startTime":1076.343,"endTime":1078.783,"body":"you know, you have one nuclear verdict."},{"speaker":"Andrew Chermark","startTime":1079.093,"endTime":1080.838,"body":"Um, It is."},{"speaker":"Andrew Chermark","startTime":1080.878,"endTime":1082.578,"body":"It's a, it's, it's terrible."},{"speaker":"Andrew Chermark","startTime":1082.668,"endTime":1087.458,"body":"I mean, it's, um, it could, it could be"},{"speaker":"Andrew Chermark","startTime":1082.668,"endTime":1087.458,"body":"devastating to your business and, uh,"},{"speaker":"Andrew Chermark","startTime":1087.468,"endTime":1093.438,"body":"you'll spend years, uh, trying to use"},{"speaker":"Andrew Chermark","startTime":1087.468,"endTime":1093.438,"body":"good data to outweigh all those losses."},{"speaker":"Andrew Chermark","startTime":1093.798,"endTime":1099.668,"body":"Um, so again, that's, I'm, I'm really,"},{"speaker":"Andrew Chermark","startTime":1093.798,"endTime":1099.668,"body":"um, I'm a big, big component on going"},{"speaker":"Andrew Chermark","startTime":1099.708,"endTime":1103.088,"body":"to, I always ask when I make these"},{"speaker":"Andrew Chermark","startTime":1099.708,"endTime":1103.088,"body":"calls, you know, because sometimes it"},{"speaker":"Andrew Chermark","startTime":1103.088,"endTime":1107.928,"body":"isn't, it isn't the, um, you know, the,"},{"speaker":"Andrew Chermark","startTime":1103.088,"endTime":1107.928,"body":"the guy sitting in the corner, it's"},{"speaker":"Andrew Chermark","startTime":1107.948,"endTime":1111.428,"body":"the guy in the middle that's signing"},{"speaker":"Andrew Chermark","startTime":1107.948,"endTime":1111.428,"body":"the checks that everybody expects and"},{"speaker":"Andrew Chermark","startTime":1111.428,"endTime":1113.398,"body":"knows he's the real boss of the place."},{"speaker":"John Farquhar, Summit Risk Solutions","startTime":1113.858,"endTime":1115.018,"body":"Yeah, exactly."},{"speaker":"Chris Harris, Safety Dawg","startTime":1116.018,"endTime":1120.088,"body":"No, I, I"},{"speaker":"Chris Harris, Safety Dawg","startTime":1116.018,"endTime":1120.088,"body":"think that's gold that, you know, what"},{"speaker":"Chris Harris, Safety Dawg","startTime":1120.088,"endTime":1125.458,"body":"the owner pays attention to, everybody"},{"speaker":"Chris Harris, Safety Dawg","startTime":1120.088,"endTime":1125.458,"body":"else tends to pay attention to."},{"speaker":"Chris Harris, Safety Dawg","startTime":1126.058,"endTime":1128.398,"body":"So if the owner says, Hey,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1126.058,"endTime":1128.398,"body":"this stuff's important."},{"speaker":"Chris Harris, Safety Dawg","startTime":1128.718,"endTime":1129.738,"body":"Gosh darn it."},{"speaker":"Chris Harris, Safety Dawg","startTime":1129.968,"endTime":1132.768,"body":"Um, you know, then"},{"speaker":"Chris Harris, Safety Dawg","startTime":1129.968,"endTime":1132.768,"body":"everybody pays attention."},{"speaker":"Chris Harris, Safety Dawg","startTime":1133.278,"endTime":1135.208,"body":"Let me ask you a different question now."},{"speaker":"Chris Harris, Safety Dawg","startTime":1135.688,"endTime":1138.748,"body":"How is AI affecting your business?"},{"speaker":"Chris Harris, Safety Dawg","startTime":1139.108,"endTime":1142.928,"body":"So artificial intelligence,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1139.108,"endTime":1142.928,"body":"just to be clear, how is that"},{"speaker":"Chris Harris, Safety Dawg","startTime":1142.928,"endTime":1144.758,"body":"affecting the telematics industry?"},{"speaker":"Andrew Chermark","startTime":1145.728,"endTime":1148.698,"body":"Well, it's actually,"},{"speaker":"Andrew Chermark","startTime":1145.728,"endTime":1148.698,"body":"um, the telematics, uh, we call them"},{"speaker":"Andrew Chermark","startTime":1148.698,"endTime":1151.238,"body":"TSPs, telematic service providers."},{"speaker":"Andrew Chermark","startTime":1151.828,"endTime":1155.018,"body":"They're embracing that technology"},{"speaker":"Andrew Chermark","startTime":1151.828,"endTime":1155.018,"body":"along with a lot of other"},{"speaker":"Andrew Chermark","startTime":1155.218,"endTime":1156.478,"body":"businesses around the world."},{"speaker":"Andrew Chermark","startTime":1156.568,"endTime":1161.288,"body":"Because they're able to use,"},{"speaker":"Andrew Chermark","startTime":1156.568,"endTime":1161.288,"body":"um, artificial intelligence"},{"speaker":"Andrew Chermark","startTime":1161.528,"endTime":1163.628,"body":"and machine learning to."},{"speaker":"Andrew Chermark","startTime":1164.213,"endTime":1169.363,"body":"Obviously create services that"},{"speaker":"Andrew Chermark","startTime":1164.213,"endTime":1169.363,"body":"can help them, uh, be, be, be much"},{"speaker":"Andrew Chermark","startTime":1169.363,"endTime":1174.033,"body":"safer on the road, uh, use the"},{"speaker":"Andrew Chermark","startTime":1169.363,"endTime":1174.033,"body":"data, uh, to learn from each other."},{"speaker":"Andrew Chermark","startTime":1174.053,"endTime":1178.313,"body":"Um, it's funny how, um, I'll give you"},{"speaker":"Andrew Chermark","startTime":1174.053,"endTime":1178.313,"body":"an example of AI and, and how it's"},{"speaker":"Andrew Chermark","startTime":1178.313,"endTime":1183.553,"body":"helping not only drivers, but also"},{"speaker":"Andrew Chermark","startTime":1178.313,"endTime":1183.553,"body":"helping companies, uh, these new, um."},{"speaker":"Andrew Chermark","startTime":1183.703,"endTime":1186.333,"body":"Commercial, uh, telematics"},{"speaker":"Andrew Chermark","startTime":1183.703,"endTime":1186.333,"body":"dash cams, right?"},{"speaker":"Andrew Chermark","startTime":1186.333,"endTime":1188.333,"body":"We call them safety cams, dash cams."},{"speaker":"Andrew Chermark","startTime":1188.843,"endTime":1194.123,"body":"Um, the new, uh, the new types"},{"speaker":"Andrew Chermark","startTime":1188.843,"endTime":1194.123,"body":"of AI is that they're using,"},{"speaker":"Andrew Chermark","startTime":1194.213,"endTime":1200.263,"body":"um, infrared on the eyes of the"},{"speaker":"Andrew Chermark","startTime":1194.213,"endTime":1200.263,"body":"driver to provide In cab coaching."},{"speaker":"Andrew Chermark","startTime":1200.483,"endTime":1203.353,"body":"You know, it's not about"},{"speaker":"Andrew Chermark","startTime":1200.483,"endTime":1203.353,"body":"just recording events."},{"speaker":"Andrew Chermark","startTime":1203.603,"endTime":1205.573,"body":"It's about trying to prevent accidents."},{"speaker":"Andrew Chermark","startTime":1205.843,"endTime":1208.693,"body":"So, um, that's the newest"},{"speaker":"Andrew Chermark","startTime":1205.843,"endTime":1208.693,"body":"type of technology out."},{"speaker":"Andrew Chermark","startTime":1209.003,"endTime":1213.993,"body":"Most of the TSPs are using similar"},{"speaker":"Andrew Chermark","startTime":1209.003,"endTime":1213.993,"body":"cameras with this artificial intelligence"},{"speaker":"Andrew Chermark","startTime":1213.993,"endTime":1217.273,"body":"because what it does is, you know,"},{"speaker":"Andrew Chermark","startTime":1213.993,"endTime":1217.273,"body":"accidents happen in a second, guys."},{"speaker":"Andrew Chermark","startTime":1217.273,"endTime":1218.293,"body":"We all know that, right?"},{"speaker":"Andrew Chermark","startTime":1218.393,"endTime":1218.753,"body":"Boom."},{"speaker":"Andrew Chermark","startTime":1218.753,"endTime":1220.923,"body":"You have a collision, your"},{"speaker":"Andrew Chermark","startTime":1218.753,"endTime":1220.923,"body":"eyes, take your eyes off."},{"speaker":"Andrew Chermark","startTime":1221.203,"endTime":1224.103,"body":"So the, like you, what happens is when"},{"speaker":"Andrew Chermark","startTime":1221.203,"endTime":1224.103,"body":"you have your hand, you know, you're"},{"speaker":"Andrew Chermark","startTime":1224.103,"endTime":1225.173,"body":"looking at the front windshield."},{"speaker":"Andrew Chermark","startTime":1225.173,"endTime":1228.633,"body":"When you Take your eyes off the road,"},{"speaker":"Andrew Chermark","startTime":1225.173,"endTime":1228.633,"body":"whether you have sunglasses on or"},{"speaker":"Andrew Chermark","startTime":1228.633,"endTime":1233.663,"body":"not, and for more than two or three"},{"speaker":"Andrew Chermark","startTime":1228.633,"endTime":1233.663,"body":"seconds, the camera recognizes that."},{"speaker":"Andrew Chermark","startTime":1234.013,"endTime":1234.473,"body":"Okay?"},{"speaker":"Andrew Chermark","startTime":1234.743,"endTime":1237.863,"body":"And it's immediately now"},{"speaker":"Andrew Chermark","startTime":1234.743,"endTime":1237.863,"body":"creating some sort of audio"},{"speaker":"Andrew Chermark","startTime":1237.863,"endTime":1240.373,"body":"tone or actually saying words."},{"speaker":"Andrew Chermark","startTime":1241.013,"endTime":1242.493,"body":"Put your eyes back on the windshield."},{"speaker":"Andrew Chermark","startTime":1242.533,"endTime":1243.253,"body":"Uh, wake up."},{"speaker":"Andrew Chermark","startTime":1243.293,"endTime":1245.393,"body":"I mean, whatever, however you"},{"speaker":"Andrew Chermark","startTime":1243.293,"endTime":1245.393,"body":"want to customize the words."},{"speaker":"Andrew Chermark","startTime":1245.393,"endTime":1249.993,"body":"But the point is, I have it in my car"},{"speaker":"Andrew Chermark","startTime":1245.393,"endTime":1249.993,"body":"and I, and listen, I, I'm human too."},{"speaker":"Andrew Chermark","startTime":1250.013,"endTime":1254.283,"body":"And, you know, I try not to text and"},{"speaker":"Andrew Chermark","startTime":1250.013,"endTime":1254.283,"body":"drive and I try to drive safe, but I'm"},{"speaker":"Andrew Chermark","startTime":1254.283,"endTime":1256.393,"body":"like everyone else, you know, in America."},{"speaker":"Andrew Chermark","startTime":1256.403,"endTime":1261.043,"body":"We, we, we have, we're overworked and,"},{"speaker":"Andrew Chermark","startTime":1256.403,"endTime":1261.043,"body":"uh, we, we, we're, uh, we're, we're"},{"speaker":"Andrew Chermark","startTime":1261.043,"endTime":1262.403,"body":"doing things we shouldn't be doing."},{"speaker":"Andrew Chermark","startTime":1262.643,"endTime":1263.673,"body":"But I gotta tell you, the camera..."},{"speaker":"Andrew Chermark","startTime":1264.218,"endTime":1266.408,"body":"The cameras helped me many times."},{"speaker":"Andrew Chermark","startTime":1266.788,"endTime":1268.758,"body":"I put my eyes back on that road."},{"speaker":"Andrew Chermark","startTime":1269.188,"endTime":1274.128,"body":"And, um, and one other thing with, uh, AI"},{"speaker":"Andrew Chermark","startTime":1269.188,"endTime":1274.128,"body":"and machine learning, um, I said earlier"},{"speaker":"Andrew Chermark","startTime":1274.128,"endTime":1276.278,"body":"about these driver scorecards, right?"},{"speaker":"Andrew Chermark","startTime":1276.558,"endTime":1282.808,"body":"With, um, with the algorithms and"},{"speaker":"Andrew Chermark","startTime":1276.558,"endTime":1282.808,"body":"the secret sauce on how they, um, how"},{"speaker":"Andrew Chermark","startTime":1282.808,"endTime":1286.828,"body":"they kind of come up with these, these"},{"speaker":"Andrew Chermark","startTime":1282.808,"endTime":1286.828,"body":"driver risk scorecards, um, we'll"},{"speaker":"Andrew Chermark","startTime":1286.828,"endTime":1290.108,"body":"talk a little bit about Milliman,"},{"speaker":"Andrew Chermark","startTime":1286.828,"endTime":1290.108,"body":"which is an actuarian company."},{"speaker":"Andrew Chermark","startTime":1290.328,"endTime":1293.628,"body":"Um, they, um, they have"},{"speaker":"Andrew Chermark","startTime":1290.328,"endTime":1293.628,"body":"a thing called Accurate."},{"speaker":"Andrew Chermark","startTime":1294.143,"endTime":1299.363,"body":"Uh, Milliman is a 90 year old, um,"},{"speaker":"Andrew Chermark","startTime":1294.143,"endTime":1299.363,"body":"actuary company based out of Seattle,"},{"speaker":"Andrew Chermark","startTime":1299.583,"endTime":1303.943,"body":"and their Accurate has been approved"},{"speaker":"Andrew Chermark","startTime":1299.583,"endTime":1303.943,"body":"by regulators, because they're"},{"speaker":"Andrew Chermark","startTime":1304.003,"endTime":1306.893,"body":"taking it a step further than TSP's."},{"speaker":"Andrew Chermark","startTime":1307.093,"endTime":1311.163,"body":"TSP's are doing driver behavior and"},{"speaker":"Andrew Chermark","startTime":1307.093,"endTime":1311.163,"body":"things like that, and using a little"},{"speaker":"Andrew Chermark","startTime":1311.163,"endTime":1312.953,"body":"bit of weather and third party apps."},{"speaker":"Andrew Chermark","startTime":1312.983,"endTime":1317.643,"body":"You know, it's sunny, 50 degrees, not"},{"speaker":"Andrew Chermark","startTime":1312.983,"endTime":1317.643,"body":"raining, is raining, snowing, not snowing."},{"speaker":"Andrew Chermark","startTime":1318.023,"endTime":1321.373,"body":"But the Milliman folks are, um..."},{"speaker":"Andrew Chermark","startTime":1321.633,"endTime":1325.593,"body":"Are really taking it a step further"},{"speaker":"Andrew Chermark","startTime":1321.633,"endTime":1325.593,"body":"with, uh, you know, kind of doing a joint"},{"speaker":"Andrew Chermark","startTime":1325.593,"endTime":1331.153,"body":"venture with Bridgestone Mobility, where"},{"speaker":"Andrew Chermark","startTime":1325.593,"endTime":1331.153,"body":"they're actually creating a risk score"},{"speaker":"Andrew Chermark","startTime":1331.283,"endTime":1334.983,"body":"similar to like a credit check, you know,"},{"speaker":"Andrew Chermark","startTime":1331.283,"endTime":1334.983,"body":"like you do, you know, because we all"},{"speaker":"Andrew Chermark","startTime":1334.983,"endTime":1339.523,"body":"know, you know, insurance companies do"},{"speaker":"Andrew Chermark","startTime":1334.983,"endTime":1339.523,"body":"do credit checks on people, uh, as well"},{"speaker":"Andrew Chermark","startTime":1339.523,"endTime":1343.633,"body":"as other historical and, you know, motor"},{"speaker":"Andrew Chermark","startTime":1339.523,"endTime":1343.633,"body":"vehicle records and things like that."},{"speaker":"Andrew Chermark","startTime":1343.633,"endTime":1349.623,"body":"But again, AI, machine learning, um,"},{"speaker":"Andrew Chermark","startTime":1343.633,"endTime":1349.623,"body":"um, It's all about using third party"},{"speaker":"Andrew Chermark","startTime":1349.623,"endTime":1354.113,"body":"data and trying to, you know, I tell"},{"speaker":"Andrew Chermark","startTime":1349.623,"endTime":1354.113,"body":"people the simplest term, like I said"},{"speaker":"Andrew Chermark","startTime":1354.113,"endTime":1356.843,"body":"earlier to you guys, I'm an ex football"},{"speaker":"Andrew Chermark","startTime":1354.113,"endTime":1356.843,"body":"player with a few concussions, okay?"},{"speaker":"Andrew Chermark","startTime":1357.033,"endTime":1358.303,"body":"Let's just keep it simple here, right?"},{"speaker":"Andrew Chermark","startTime":1358.583,"endTime":1360.083,"body":"They put it in a big pot, right?"},{"speaker":"Andrew Chermark","startTime":1360.173,"endTime":1361.443,"body":"And they boil it, right?"},{"speaker":"Andrew Chermark","startTime":1361.563,"endTime":1363.013,"body":"And then it boils it down."},{"speaker":"Andrew Chermark","startTime":1363.193,"endTime":1367.343,"body":"And then when they boil it down, they"},{"speaker":"Andrew Chermark","startTime":1363.193,"endTime":1367.343,"body":"have the secret sauce with algorithms"},{"speaker":"Andrew Chermark","startTime":1367.343,"endTime":1371.733,"body":"and AI and machine learning, and they"},{"speaker":"Andrew Chermark","startTime":1367.343,"endTime":1371.733,"body":"spit out actionable business intelligence"},{"speaker":"Andrew Chermark","startTime":1372.053,"endTime":1376.233,"body":"that not only commercial underwriters"},{"speaker":"Andrew Chermark","startTime":1372.053,"endTime":1376.233,"body":"but also brokers and agents and people"},{"speaker":"Andrew Chermark","startTime":1376.233,"endTime":1381.333,"body":"in loss control that can use that, um,"},{"speaker":"Andrew Chermark","startTime":1376.233,"endTime":1381.333,"body":"through their business workflows to help"},{"speaker":"Andrew Chermark","startTime":1381.333,"endTime":1383.103,"body":"them improve safety across the board."},{"speaker":"Andrew Chermark","startTime":1383.103,"endTime":1387.233,"body":"So, um, and to keep, I try to keep it"},{"speaker":"Andrew Chermark","startTime":1383.103,"endTime":1387.233,"body":"simple for people because you know what,"},{"speaker":"Andrew Chermark","startTime":1387.483,"endTime":1393.273,"body":"we'll never figure out, um, how, how,"},{"speaker":"Andrew Chermark","startTime":1387.483,"endTime":1393.273,"body":"how they do it, but we don't, we don't"},{"speaker":"Andrew Chermark","startTime":1393.283,"endTime":1394.743,"body":"necessarily need to know how they do it."},{"speaker":"Andrew Chermark","startTime":1394.753,"endTime":1399.773,"body":"We need to know how it helps people"},{"speaker":"Andrew Chermark","startTime":1394.753,"endTime":1399.773,"body":"drive safer and prevent collisions."},{"speaker":"Chris Harris, Safety Dawg","startTime":1400.558,"endTime":1403.198,"body":"All we"},{"speaker":"Chris Harris, Safety Dawg","startTime":1400.558,"endTime":1403.198,"body":"need to know is information like that"},{"speaker":"Chris Harris, Safety Dawg","startTime":1403.508,"endTime":1410.498,"body":"can help us the best insurance rates"},{"speaker":"Chris Harris, Safety Dawg","startTime":1403.508,"endTime":1410.498,"body":"possible, which for a lot of companies,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1410.518,"endTime":1416.588,"body":"insurance is certainly in their top 10,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1410.518,"endTime":1416.588,"body":"but normally in their top five expenses."},{"speaker":"Chris Harris, Safety Dawg","startTime":1417.008,"endTime":1420.878,"body":"So if they can control insurance"},{"speaker":"Chris Harris, Safety Dawg","startTime":1417.008,"endTime":1420.878,"body":"rates and drive it a little bit lower,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1421.308,"endTime":1423.468,"body":"that's giving them a huge advantage."},{"speaker":"Chris Harris, Safety Dawg","startTime":1423.468,"endTime":1424.668,"body":"And how do you drive it lower?"},{"speaker":"Chris Harris, Safety Dawg","startTime":1424.818,"endTime":1425.108,"body":"Yeah."},{"speaker":"Chris Harris, Safety Dawg","startTime":1425.458,"endTime":1429.568,"body":"By helping your underwriter, your"},{"speaker":"Chris Harris, Safety Dawg","startTime":1425.458,"endTime":1429.568,"body":"insurance provider, understand"},{"speaker":"Chris Harris, Safety Dawg","startTime":1429.568,"endTime":1431.338,"body":"your business as best you can."},{"speaker":"Chris Harris, Safety Dawg","startTime":1431.528,"endTime":1434.768,"body":"Which is exactly, I think, what you do."},{"speaker":"Chris Harris, Safety Dawg","startTime":1435.058,"endTime":1435.478,"body":"Isn't it,"},{"speaker":"Andrew Chermark","startTime":1435.478,"endTime":1435.838,"body":"Andrew?"},{"speaker":"Andrew Chermark","startTime":1436.443,"endTime":1437.123,"body":"Absolutely."},{"speaker":"Andrew Chermark","startTime":1437.123,"endTime":1440.613,"body":"And you know, like I said, you know, as"},{"speaker":"Andrew Chermark","startTime":1437.123,"endTime":1440.613,"body":"the business has evolved, telematics,"},{"speaker":"Andrew Chermark","startTime":1440.833,"endTime":1445.543,"body":"you know, like I said, I started with,"},{"speaker":"Andrew Chermark","startTime":1440.833,"endTime":1445.543,"body":"um, you know, years ago with GPS on,"},{"speaker":"Andrew Chermark","startTime":1445.583,"endTime":1450.093,"body":"on NexTel phones, and then we went into"},{"speaker":"Andrew Chermark","startTime":1445.583,"endTime":1450.093,"body":"these black boxes and now the business"},{"speaker":"Andrew Chermark","startTime":1450.093,"endTime":1454.133,"body":"has evolved to where Bridgestone, I say"},{"speaker":"Andrew Chermark","startTime":1450.093,"endTime":1454.133,"body":"Bridgestone again, because they are,"},{"speaker":"Andrew Chermark","startTime":1454.173,"endTime":1458.443,"body":"um, you know, they're, they're doing"},{"speaker":"Andrew Chermark","startTime":1454.173,"endTime":1458.443,"body":"a lot of different tire sensors, uh,"},{"speaker":"Andrew Chermark","startTime":1458.473,"endTime":1461.973,"body":"so that, uh, you know, the, you know,"},{"speaker":"Andrew Chermark","startTime":1458.473,"endTime":1461.973,"body":"the, we, The correct pressure of a tire"},{"speaker":"Andrew Chermark","startTime":1461.973,"endTime":1466.033,"body":"has a lot to do with the safety of a"},{"speaker":"Andrew Chermark","startTime":1461.973,"endTime":1466.033,"body":"vehicle, as well as miles per gallon."},{"speaker":"Andrew Chermark","startTime":1466.233,"endTime":1471.063,"body":"Um, they're also focusing on, um, a"},{"speaker":"Andrew Chermark","startTime":1466.233,"endTime":1471.063,"body":"product they, they own, which, uh, which"},{"speaker":"Andrew Chermark","startTime":1471.063,"endTime":1473.123,"body":"we have the authority to help people use."},{"speaker":"Andrew Chermark","startTime":1473.383,"endTime":1477.663,"body":"And basically what it does"},{"speaker":"Andrew Chermark","startTime":1473.383,"endTime":1477.663,"body":"is it aggregates TSP data."},{"speaker":"Andrew Chermark","startTime":1477.873,"endTime":1482.218,"body":"So whether you use Verizon,"},{"speaker":"Andrew Chermark","startTime":1477.873,"endTime":1482.218,"body":"Geotab, Simcera, Azuga."},{"speaker":"Andrew Chermark","startTime":1482.288,"endTime":1485.098,"body":"There's, you know, there's 50 plus"},{"speaker":"Andrew Chermark","startTime":1482.288,"endTime":1485.098,"body":"telematics companies out there"},{"speaker":"Andrew Chermark","startTime":1485.558,"endTime":1489.238,"body":"nowadays, you know, but the point"},{"speaker":"Andrew Chermark","startTime":1485.558,"endTime":1489.238,"body":"is by aggregating this data, right?"},{"speaker":"Andrew Chermark","startTime":1489.468,"endTime":1494.138,"body":"They harmonize it, they enrich it, and"},{"speaker":"Andrew Chermark","startTime":1489.468,"endTime":1494.138,"body":"they analyze this connected vehicle data."},{"speaker":"Andrew Chermark","startTime":1494.148,"endTime":1498.608,"body":"And what it does is it allows an"},{"speaker":"Andrew Chermark","startTime":1494.148,"endTime":1498.608,"body":"underwriter to use well established,"},{"speaker":"Andrew Chermark","startTime":1498.818,"endTime":1500.478,"body":"well known technology, right?"},{"speaker":"Andrew Chermark","startTime":1500.478,"endTime":1504.978,"body":"It's been out over 20 years, telematics,"},{"speaker":"Andrew Chermark","startTime":1500.478,"endTime":1504.978,"body":"to be able to identify opportunities"},{"speaker":"Andrew Chermark","startTime":1504.978,"endTime":1509.638,"body":"for risk and be able to in there and"},{"speaker":"Andrew Chermark","startTime":1504.978,"endTime":1509.638,"body":"the insurance size, because remember,"},{"speaker":"Andrew Chermark","startTime":1509.688,"endTime":1511.838,"body":"you know, You got three players, right?"},{"speaker":"Andrew Chermark","startTime":1511.838,"endTime":1514.808,"body":"You got the carrier, the brokers, and"},{"speaker":"Andrew Chermark","startTime":1511.838,"endTime":1514.808,"body":"the, and the policy holder, right?"},{"speaker":"Andrew Chermark","startTime":1514.808,"endTime":1515.278,"body":"The insurer."},{"speaker":"Andrew Chermark","startTime":1515.618,"endTime":1521.598,"body":"So each one kind of can, can use data"},{"speaker":"Andrew Chermark","startTime":1515.618,"endTime":1521.598,"body":"to, to help them, to help all of them."},{"speaker":"Andrew Chermark","startTime":1521.598,"endTime":1521.838,"body":"Right."},{"speaker":"Andrew Chermark","startTime":1521.838,"endTime":1525.298,"body":"But from the insurance carriers"},{"speaker":"Andrew Chermark","startTime":1521.838,"endTime":1525.298,"body":"perspective, you know, is a lot of"},{"speaker":"Andrew Chermark","startTime":1525.298,"endTime":1526.948,"body":"turnover going on with underwriters."},{"speaker":"Andrew Chermark","startTime":1526.968,"endTime":1528.908,"body":"They're just checking boxes, right?"},{"speaker":"Andrew Chermark","startTime":1529.128,"endTime":1533.018,"body":"So we're trying to give them"},{"speaker":"Andrew Chermark","startTime":1529.128,"endTime":1533.018,"body":"data, real time data that shows"},{"speaker":"Andrew Chermark","startTime":1533.018,"endTime":1534.438,"body":"what the risk profile is of a."},{"speaker":"Andrew Chermark","startTime":1534.628,"endTime":1538.998,"body":"Uh, of a company from real time"},{"speaker":"Andrew Chermark","startTime":1534.628,"endTime":1538.998,"body":"information from their TSPs,"},{"speaker":"Andrew Chermark","startTime":1539.308,"endTime":1543.348,"body":"uh, well, technology, but more"},{"speaker":"Andrew Chermark","startTime":1539.308,"endTime":1543.348,"body":"importantly, be able to find."},{"speaker":"Andrew Chermark","startTime":1543.753,"endTime":1545.593,"body":"Profit in these premiums."},{"speaker":"Andrew Chermark","startTime":1545.913,"endTime":1550.333,"body":"So with good data and as far as the"},{"speaker":"Andrew Chermark","startTime":1545.913,"endTime":1550.333,"body":"brokers go, I mean, listen, insurance"},{"speaker":"Andrew Chermark","startTime":1550.333,"endTime":1554.963,"body":"brokers, there's a, um, you know,"},{"speaker":"Andrew Chermark","startTime":1550.333,"endTime":1554.963,"body":"they need to differentiate themselves."},{"speaker":"Andrew Chermark","startTime":1554.963,"endTime":1558.473,"body":"They need to change the way they do"},{"speaker":"Andrew Chermark","startTime":1554.963,"endTime":1558.473,"body":"business and they need to embrace"},{"speaker":"Andrew Chermark","startTime":1558.473,"endTime":1564.903,"body":"technology and, um, and be able to offer"},{"speaker":"Andrew Chermark","startTime":1558.473,"endTime":1564.903,"body":"value to their customers during renewal"},{"speaker":"Andrew Chermark","startTime":1565.113,"endTime":1567.253,"body":"and, and prepare them for renewal."},{"speaker":"Andrew Chermark","startTime":1567.508,"endTime":1572.478,"body":"Whether it's a, whether it's annual and"},{"speaker":"Andrew Chermark","startTime":1567.508,"endTime":1572.478,"body":"safety inspections of their vehicles or"},{"speaker":"Andrew Chermark","startTime":1572.488,"endTime":1579.048,"body":"offering some sort of risk assessment to"},{"speaker":"Andrew Chermark","startTime":1572.488,"endTime":1579.048,"body":"be able to improve their, their portfolio."},{"speaker":"Andrew Chermark","startTime":1580.168,"endTime":1584.838,"body":"Because again, unless you can make an"},{"speaker":"Andrew Chermark","startTime":1580.168,"endTime":1584.838,"body":"insured, unless a business owner, right,"},{"speaker":"Andrew Chermark","startTime":1585.138,"endTime":1590.973,"body":"can take the data he has and make that"},{"speaker":"Andrew Chermark","startTime":1585.138,"endTime":1590.973,"body":"data Substantially good in the eyes"},{"speaker":"Andrew Chermark","startTime":1590.973,"endTime":1596.053,"body":"of an underwriter, then, you know, the"},{"speaker":"Andrew Chermark","startTime":1590.973,"endTime":1596.053,"body":"main thing is they all pay for it right"},{"speaker":"Andrew Chermark","startTime":1596.053,"endTime":1598.033,"body":"now, but nobody does anything with it."},{"speaker":"Andrew Chermark","startTime":1598.443,"endTime":1599.643,"body":"They don't do anything with it."},{"speaker":"Andrew Chermark","startTime":1600.343,"endTime":1603.343,"body":"And we're here to, and we're here"},{"speaker":"Andrew Chermark","startTime":1600.343,"endTime":1603.343,"body":"to tell them, look guys, listen,"},{"speaker":"Andrew Chermark","startTime":1603.343,"endTime":1606.653,"body":"we're, we don't know a lot about a"},{"speaker":"Andrew Chermark","startTime":1603.343,"endTime":1606.653,"body":"lot of things, but what we do know"},{"speaker":"Andrew Chermark","startTime":1606.653,"endTime":1608.443,"body":"is that you already pay for the data."},{"speaker":"Andrew Chermark","startTime":1609.058,"endTime":1614.518,"body":"And there are many risk, fleet risk"},{"speaker":"Andrew Chermark","startTime":1609.058,"endTime":1614.518,"body":"safety specialists out there that"},{"speaker":"Andrew Chermark","startTime":1614.518,"endTime":1620.038,"body":"can help you develop a driver safety"},{"speaker":"Andrew Chermark","startTime":1614.518,"endTime":1620.038,"body":"program to improve that data, make"},{"speaker":"Andrew Chermark","startTime":1620.038,"endTime":1621.638,"body":"yourself look attractive, right?"},{"speaker":"Andrew Chermark","startTime":1621.638,"endTime":1624.518,"body":"You have to look attractive to"},{"speaker":"Andrew Chermark","startTime":1621.638,"endTime":1624.518,"body":"an insurance company, right?"},{"speaker":"Andrew Chermark","startTime":1624.568,"endTime":1628.918,"body":"And use the data to, to, to be able to,"},{"speaker":"Andrew Chermark","startTime":1624.568,"endTime":1628.918,"body":"I don't want to, I don't want to say"},{"speaker":"Andrew Chermark","startTime":1628.938,"endTime":1634.068,"body":"leverage, but it is the right word to"},{"speaker":"Andrew Chermark","startTime":1628.938,"endTime":1634.068,"body":"leverage these insurance carriers on"},{"speaker":"Andrew Chermark","startTime":1634.068,"endTime":1636.458,"body":"your good data to outweigh your losses."},{"speaker":"Andrew Chermark","startTime":1636.958,"endTime":1636.978,"body":"Yeah."},{"speaker":"Andrew Chermark","startTime":1636.978,"endTime":1637.343,"body":"Uh huh."},{"speaker":"Chris Harris, Safety Dawg","startTime":1638.013,"endTime":1640.583,"body":"Andrew from Ensure Analytics."},{"speaker":"Chris Harris, Safety Dawg","startTime":1640.583,"endTime":1643.963,"body":"I think that is a great"},{"speaker":"Chris Harris, Safety Dawg","startTime":1640.583,"endTime":1643.963,"body":"place to wrap that up."},{"speaker":"Chris Harris, Safety Dawg","startTime":1643.993,"endTime":1647.623,"body":"Did we cover everything"},{"speaker":"Chris Harris, Safety Dawg","startTime":1643.993,"endTime":1647.623,"body":"you needed to cover?"},{"speaker":"Andrew Chermark","startTime":1648.853,"endTime":1649.783,"body":"I think we did."},{"speaker":"Andrew Chermark","startTime":1649.853,"endTime":1650.253,"body":"I did."},{"speaker":"Andrew Chermark","startTime":1650.653,"endTime":1655.093,"body":"And I thank you, John and Chris, for"},{"speaker":"Andrew Chermark","startTime":1650.653,"endTime":1655.093,"body":"the opportunity to, um, to get the"},{"speaker":"Andrew Chermark","startTime":1655.093,"endTime":1657.423,"body":"message out to all your listeners."},{"speaker":"Andrew Chermark","startTime":1657.453,"endTime":1664.203,"body":"And, um, I would like to just leave with"},{"speaker":"Andrew Chermark","startTime":1657.453,"endTime":1664.203,"body":"this, um, you know, it's a very short..."},{"speaker":"Andrew Chermark","startTime":1664.363,"endTime":1668.753,"body":"short lifespan we all have and you"},{"speaker":"Andrew Chermark","startTime":1664.363,"endTime":1668.753,"body":"know, spend time with your family."},{"speaker":"Andrew Chermark","startTime":1669.003,"endTime":1673.213,"body":"Um, be kind to people and"},{"speaker":"Andrew Chermark","startTime":1669.003,"endTime":1673.213,"body":"um, just try to drive safe."},{"speaker":"Andrew Chermark","startTime":1673.213,"endTime":1677.793,"body":"I mean, listen, I, as I said earlier,"},{"speaker":"Andrew Chermark","startTime":1673.213,"endTime":1677.793,"body":"I, I'm not, we're, we all do it, but you"},{"speaker":"Andrew Chermark","startTime":1677.793,"endTime":1681.853,"body":"know what, just think of your family and,"},{"speaker":"Andrew Chermark","startTime":1677.793,"endTime":1681.853,"body":"and, uh, and try to get home safe to them."},{"speaker":"Andrew Chermark","startTime":1682.093,"endTime":1684.943,"body":"And, uh, thank you again guys"},{"speaker":"Andrew Chermark","startTime":1682.093,"endTime":1684.943,"body":"for, for the opportunity."},{"speaker":"Chris Harris, Safety Dawg","startTime":1685.863,"endTime":1687.603,"body":"What"},{"speaker":"Chris Harris, Safety Dawg","startTime":1685.863,"endTime":1687.603,"body":"a great interview this week."},{"speaker":"Chris Harris, Safety Dawg","startTime":1687.843,"endTime":1694.303,"body":"Andrew Chermark from Ensure Analytics,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1687.843,"endTime":1694.303,"body":"uh, giving us an insight as to all the"},{"speaker":"Chris Harris, Safety Dawg","startTime":1694.303,"endTime":1696.283,"body":"different data sources that we can use."},{"speaker":"Chris Harris, Safety Dawg","startTime":1696.553,"endTime":1700.083,"body":"Thank you so much for tuning in to the"},{"speaker":"Chris Harris, Safety Dawg","startTime":1696.553,"endTime":1700.083,"body":"Trucking Risk and Insurance Podcast."},{"speaker":"Chris Harris, Safety Dawg","startTime":1700.123,"endTime":1701.723,"body":"John and I appreciate you."},{"speaker":"Chris Harris, Safety Dawg","startTime":1702.003,"endTime":1703.983,"body":"Give it a like and a thumbs up."},{"speaker":"Chris Harris, Safety Dawg","startTime":1704.023,"endTime":1705.023,"body":"Leave us a comment."},{"speaker":"Chris Harris, Safety Dawg","startTime":1705.023,"endTime":1706.533,"body":"We would love to hear from you."},{"speaker":"Chris Harris, Safety Dawg","startTime":1706.793,"endTime":1708.183,"body":"That's it for this week."}]}