{"version":"1.0.0","segments":[{"speaker":"Chris Harris, Safety Dawg","startTime":0.377,"endTime":2.357,"body":"And"},{"speaker":"Chris Harris, Safety Dawg","startTime":0.377,"endTime":2.357,"body":"welcome  to  the  show  this  week."},{"speaker":"Chris Harris, Safety Dawg","startTime":2.777,"endTime":6.017,"body":"And  this  week  we  have  a"},{"speaker":"Chris Harris, Safety Dawg","startTime":2.777,"endTime":6.017,"body":"bit  of  a  different  angle."},{"speaker":"Chris Harris, Safety Dawg","startTime":6.637,"endTime":11.677,"body":"Uh,  we  have  Cordell  from  Vivace"},{"speaker":"Chris Harris, Safety Dawg","startTime":6.637,"endTime":11.677,"body":"Insurance  and  this  insurance"},{"speaker":"Chris Harris, Safety Dawg","startTime":11.677,"endTime":16.377,"body":"broker  really  offers  some"},{"speaker":"Chris Harris, Safety Dawg","startTime":11.677,"endTime":16.377,"body":"different  types  of  coverages."},{"speaker":"Chris Harris, Safety Dawg","startTime":16.697,"endTime":20.817,"body":"So  you  gotta  stay  tuned"},{"speaker":"Chris Harris, Safety Dawg","startTime":16.697,"endTime":20.817,"body":"to  figure  out  if  Vivace"},{"speaker":"Chris Harris, Safety Dawg","startTime":20.817,"endTime":23.877,"body":"might  be  of  use  to  you."},{"speaker":"Chris Harris, Safety Dawg","startTime":24.177,"endTime":25.977,"body":"Uh,  let's  get  into  it  with  Cordell."},{"speaker":"Chris Harris, Safety Dawg","startTime":27.53,"endTime":29.93,"body":"Welcome to the Trekking"},{"speaker":"Chris Harris, Safety Dawg","startTime":27.53,"endTime":29.93,"body":"Risk and Insurance Podcast."},{"speaker":"Chris Harris, Safety Dawg","startTime":33.072,"endTime":33.942,"body":"And that's perfect."},{"speaker":"Chris Harris, Safety Dawg","startTime":34.292,"endTime":35.292,"body":"Welcome to the show."},{"speaker":"Chris Harris, Safety Dawg","startTime":35.462,"endTime":37.752,"body":"Now, could you do me a favor?"},{"speaker":"Chris Harris, Safety Dawg","startTime":38.172,"endTime":43.622,"body":"And tell us about, and I'm going to screw"},{"speaker":"Chris Harris, Safety Dawg","startTime":38.172,"endTime":43.622,"body":"the name up of the your company again,"},{"speaker":"Chris Harris, Safety Dawg","startTime":43.932,"endTime":46.612,"body":"because you said it's named after a wine."},{"speaker":"Chris Harris, Safety Dawg","startTime":46.622,"endTime":47.862,"body":"What's the name of the company?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":48.812,"endTime":50.041,"body":"Vivace."},{"speaker":"Chris Harris, Safety Dawg","startTime":50.322,"endTime":51.042,"body":"Vivace."},{"speaker":"Chris Harris, Safety Dawg","startTime":51.082,"endTime":52.792,"body":"And what's the relationship?"},{"speaker":"Chris Harris, Safety Dawg","startTime":53.302,"endTime":54.382,"body":"Just very quick."},{"speaker":"Chris Harris, Safety Dawg","startTime":54.412,"endTime":59.782,"body":"What's the relationship between"},{"speaker":"Chris Harris, Safety Dawg","startTime":54.412,"endTime":59.782,"body":"trucking, Vivace, and insurance?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":60.282,"endTime":62.372,"body":"They're pretty much pretty all different"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":62.402,"endTime":69.702,"body":"but Vivace stems from I want to say like"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":62.402,"endTime":69.702,"body":"a wine background where it's has like"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":69.702,"endTime":74.322,"body":"different notes to it different flavors,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":69.702,"endTime":74.322,"body":"different movements within the wine."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":74.702,"endTime":79.842,"body":"And it was founded by The founder, Phil"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":74.702,"endTime":79.842,"body":"Bilney, and he created, he came up with"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":79.842,"endTime":86.972,"body":"the name and like I said, it has elements"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":79.842,"endTime":86.972,"body":"of like movement, upbeat notes, and stuff"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":86.972,"endTime":91.792,"body":"like that, and you could tie that into the"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":86.972,"endTime":91.792,"body":"transportation industry, because there's"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":91.792,"endTime":94.192,"body":"always a constant movement of goods."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":94.642,"endTime":97.942,"body":"Everyone is very upbeat when it"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":94.642,"endTime":97.942,"body":"comes to, the working force and"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":97.952,"endTime":100.052,"body":"all that stuff within the industry."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":100.122,"endTime":101.302,"body":"I think it's a great name."},{"speaker":"John Farquhar, Gallager GGB","startTime":101.882,"endTime":103.862,"body":"Yeah, you"},{"speaker":"John Farquhar, Gallager GGB","startTime":101.882,"endTime":103.862,"body":"could take the aspect of the different"},{"speaker":"John Farquhar, Gallager GGB","startTime":103.862,"endTime":107.582,"body":"flavors ties in with the different"},{"speaker":"John Farquhar, Gallager GGB","startTime":103.862,"endTime":107.582,"body":"cultures of different companies within"},{"speaker":"John Farquhar, Gallager GGB","startTime":107.852,"endTime":109.332,"body":"the industry and stuff like that."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":109.812,"endTime":110.542,"body":"Oh, definitely."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":110.542,"endTime":111.192,"body":"Yes, you could."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":111.192,"endTime":114.222,"body":"So it's a all inclusive"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":111.192,"endTime":114.222,"body":"name, I want to say."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":114.232,"endTime":114.552,"body":"Yeah."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":115.012,"endTime":116.642,"body":"And it rolls off the tongue a little bit."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":116.932,"endTime":117.462,"body":"Sounds a little fancy."},{"speaker":"Chris Harris, Safety Dawg","startTime":117.472,"endTime":121.527,"body":"I really"},{"speaker":"Chris Harris, Safety Dawg","startTime":117.472,"endTime":121.527,"body":"like it because As you said, there's a"},{"speaker":"Chris Harris, Safety Dawg","startTime":121.527,"endTime":126.127,"body":"lot of movement, like for those people"},{"speaker":"Chris Harris, Safety Dawg","startTime":121.527,"endTime":126.127,"body":"who don't drink a lot of wine, and some"},{"speaker":"Chris Harris, Safety Dawg","startTime":126.127,"endTime":128.077,"body":"people would say I drink too much wine."},{"speaker":"Chris Harris, Safety Dawg","startTime":128.597,"endTime":132.997,"body":"I agree with you that there's"},{"speaker":"Chris Harris, Safety Dawg","startTime":128.597,"endTime":132.997,"body":"a lot of different aspects of"},{"speaker":"Chris Harris, Safety Dawg","startTime":133.027,"endTime":135.637,"body":"wine and they blend together."},{"speaker":"Chris Harris, Safety Dawg","startTime":135.667,"endTime":137.077,"body":"That's the same as trucking."},{"speaker":"Chris Harris, Safety Dawg","startTime":137.497,"endTime":141.797,"body":"There's all kinds of different aspects"},{"speaker":"Chris Harris, Safety Dawg","startTime":137.497,"endTime":141.797,"body":"of trucking tanker and flat deck and"},{"speaker":"Chris Harris, Safety Dawg","startTime":141.807,"endTime":147.347,"body":"all, but everything blends together to"},{"speaker":"Chris Harris, Safety Dawg","startTime":141.807,"endTime":147.347,"body":"get the product to where it's needed."},{"speaker":"Chris Harris, Safety Dawg","startTime":150.312,"endTime":152.272,"body":"I think it's a great name, Vivace."},{"speaker":"Chris Harris, Safety Dawg","startTime":152.702,"endTime":154.072,"body":"What is Vivace?"},{"speaker":"Chris Harris, Safety Dawg","startTime":154.232,"endTime":155.332,"body":"What are you guys doing?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":156.792,"endTime":158.322,"body":"Oh, so we are a startup"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":158.372,"endTime":160.792,"body":"MGA and we're in Okay,"},{"speaker":"Chris Harris, Safety Dawg","startTime":160.912,"endTime":161.232,"body":"Hold it."},{"speaker":"Chris Harris, Safety Dawg","startTime":161.512,"endTime":162.852,"body":"What's an MGA?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":164.052,"endTime":166.062,"body":"It's a Managering, Actually, I"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":166.062,"endTime":167.442,"body":"gotta look this up real quick, so"},{"speaker":"Chris Harris, Safety Dawg","startTime":167.472,"endTime":168.412,"body":"What is it, John?"},{"speaker":"Chris Harris, Safety Dawg","startTime":168.812,"endTime":170.902,"body":"An MGA Managing General Agency."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":171.492,"endTime":173.452,"body":"Yeah, Managing General Agency."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":173.972,"endTime":177.542,"body":"And basically we are Oh,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":173.972,"endTime":177.542,"body":"I lost you real quick."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":178.622,"endTime":183.432,"body":"We are a start up company and, We"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":178.622,"endTime":183.432,"body":"have the authority to write insurance"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":183.432,"endTime":188.712,"body":"policies for ocean, land, and air"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":183.432,"endTime":188.712,"body":"transportation, and evaluate the risks"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":188.712,"endTime":191.202,"body":"of the goods not just within the U."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":191.202,"endTime":194.502,"body":"S., but also within worldwide as well."},{"speaker":"Chris Harris, Safety Dawg","startTime":195.472,"endTime":200.132,"body":"Yeah, and"},{"speaker":"Chris Harris, Safety Dawg","startTime":195.472,"endTime":200.132,"body":"for our viewers and listeners, an MGA is"},{"speaker":"Chris Harris, Safety Dawg","startTime":200.442,"endTime":203.162,"body":"almost the same as an insurance company."},{"speaker":"Chris Harris, Safety Dawg","startTime":203.642,"endTime":208.212,"body":"As you just heard Cordell say, they"},{"speaker":"Chris Harris, Safety Dawg","startTime":203.642,"endTime":208.212,"body":"can, they actually under, they actually"},{"speaker":"Chris Harris, Safety Dawg","startTime":208.212,"endTime":213.822,"body":"evaluate the risk and then you can bind it"},{"speaker":"Chris Harris, Safety Dawg","startTime":208.212,"endTime":213.822,"body":"without any further without going higher."},{"speaker":"Chris Harris, Safety Dawg","startTime":213.902,"endTime":214.402,"body":"Correct?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":216.002,"endTime":216.372,"body":"Correct."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":216.372,"endTime":216.782,"body":"Yes."},{"speaker":"Chris Harris, Safety Dawg","startTime":217.002,"endTime":217.242,"body":"Yeah."},{"speaker":"Chris Harris, Safety Dawg","startTime":217.562,"endTime":220.312,"body":"So it's virtually the same"},{"speaker":"Chris Harris, Safety Dawg","startTime":217.562,"endTime":220.312,"body":"as an insurance company."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":221.442,"endTime":221.832,"body":"Pretty much."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":221.832,"endTime":222.102,"body":"Yeah."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":222.592,"endTime":223.892,"body":"Same as insurance company."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":223.912,"endTime":228.032,"body":"And we have certain amount of authority"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":223.912,"endTime":228.032,"body":"that we operate within anything."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":228.457,"endTime":233.577,"body":"Above that, we have to do a little"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":228.457,"endTime":233.577,"body":"creative thinking and, to get the"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":233.577,"endTime":235.587,"body":"job done, but it usually works out."},{"speaker":"Chris Harris, Safety Dawg","startTime":236.707,"endTime":238.827,"body":"Yeah, and"},{"speaker":"Chris Harris, Safety Dawg","startTime":236.707,"endTime":238.827,"body":"what I found interesting when I was"},{"speaker":"Chris Harris, Safety Dawg","startTime":238.827,"endTime":244.247,"body":"doing some research, and you just said"},{"speaker":"Chris Harris, Safety Dawg","startTime":238.827,"endTime":244.247,"body":"it, you're doing land, air and ocean."},{"speaker":"Chris Harris, Safety Dawg","startTime":245.307,"endTime":248.052,"body":"I don't think, John, I don't"},{"speaker":"Chris Harris, Safety Dawg","startTime":245.307,"endTime":248.052,"body":"think we've had a Anybody"},{"speaker":"Chris Harris, Safety Dawg","startTime":248.052,"endTime":250.142,"body":"who writes ocean risk before."},{"speaker":"John Farquhar, Gallager GGB","startTime":251.512,"endTime":253.632,"body":"Not"},{"speaker":"John Farquhar, Gallager GGB","startTime":251.512,"endTime":253.632,"body":"that I'm aware of up here in Canada"},{"speaker":"John Farquhar, Gallager GGB","startTime":253.642,"endTime":255.722,"body":"anyway, from an MGA approach."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":256.292,"endTime":256.732,"body":"Yeah."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":256.952,"endTime":257.992,"body":"Oh, interesting."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":258.032,"endTime":258.412,"body":"Okay."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":258.912,"endTime":262.822,"body":"Yeah, there should be some good"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":258.912,"endTime":262.822,"body":"ports around Canada, for shipments"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":262.842,"endTime":263.792,"body":"that are coming in and out."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":264.092,"endTime":265.468,"body":"So I'm not"},{"speaker":"Chris Harris, Safety Dawg","startTime":265.468,"endTime":265.926,"body":"surprised."},{"speaker":"Chris Harris, Safety Dawg","startTime":265.926,"endTime":269.136,"body":"Halifax is one of the deeper ports."},{"speaker":"Chris Harris, Safety Dawg","startTime":269.636,"endTime":272.206,"body":"We can, Halifax, I know,"},{"speaker":"Chris Harris, Safety Dawg","startTime":269.636,"endTime":272.206,"body":"can take the big ships."},{"speaker":"Chris Harris, Safety Dawg","startTime":274.296,"endTime":278.166,"body":"I think there's only four ports in"},{"speaker":"Chris Harris, Safety Dawg","startTime":274.296,"endTime":278.166,"body":"North America that can take that"},{"speaker":"Chris Harris, Safety Dawg","startTime":278.166,"endTime":282.136,"body":"size of ship, and Halifax is one,"},{"speaker":"Chris Harris, Safety Dawg","startTime":278.166,"endTime":282.136,"body":"and the other three are in the U."},{"speaker":"Chris Harris, Safety Dawg","startTime":282.136,"endTime":283.396,"body":"S., if I remember."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":284.166,"endTime":284.826,"body":"Yeah the U."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":284.826,"endTime":284.966,"body":"S."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":284.966,"endTime":289.306,"body":"definitely has a couple"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":284.966,"endTime":289.306,"body":"top five ports I would say."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":289.456,"endTime":293.656,"body":"You have the New York port, you have"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":289.456,"endTime":293.656,"body":"the Long Beach port Gulf of Mexico."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":294.021,"endTime":294.711,"body":"Stuff like that."},{"speaker":"Chris Harris, Safety Dawg","startTime":295.031,"endTime":296.141,"body":"Yeah, L."},{"speaker":"Chris Harris, Safety Dawg","startTime":296.141,"endTime":296.271,"body":"A."},{"speaker":"Chris Harris, Safety Dawg","startTime":296.271,"endTime":296.941,"body":"of course."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":297.361,"endTime":297.381,"body":"L."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":297.381,"endTime":297.381,"body":"A."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":297.381,"endTime":297.761,"body":"is a big one."},{"speaker":"Chris Harris, Safety Dawg","startTime":298.771,"endTime":299.141,"body":"Shoot."},{"speaker":"Chris Harris, Safety Dawg","startTime":299.471,"endTime":305.621,"body":"I've actually been to not as a truck"},{"speaker":"Chris Harris, Safety Dawg","startTime":299.471,"endTime":305.621,"body":"driver, but I was hopping on a a cruise"},{"speaker":"Chris Harris, Safety Dawg","startTime":306.131,"endTime":308.841,"body":"and so the cruise port was out of L."},{"speaker":"Chris Harris, Safety Dawg","startTime":308.841,"endTime":308.941,"body":"A."},{"speaker":"Chris Harris, Safety Dawg","startTime":308.941,"endTime":311.581,"body":"and I got, damn, that's a big port."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":312.221,"endTime":312.531,"body":"Yeah."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":312.621,"endTime":312.831,"body":"Oh, yeah."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":313.921,"endTime":315.841,"body":"Constant movement, just like Favaci."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":315.861,"endTime":316.661,"body":"Yeah, see."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":317.901,"endTime":321.081,"body":"."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":317.901,"endTime":321.081,"body":"Chris Harris, Safety Dawg: And what's"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":321.081,"endTime":327.981,"body":"aspects that you would say are"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":321.081,"endTime":327.981,"body":"critical for trucking specifically?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":328.491,"endTime":330.561,"body":"I would say that would involve the"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":330.561,"endTime":334.621,"body":"compliance, safety and accountability"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":330.561,"endTime":334.621,"body":"scores, the CSA . And there's."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":335.386,"endTime":337.786,"body":"I want to say seven factors within that."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":337.836,"endTime":342.486,"body":"And within those seven factors,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":337.836,"endTime":342.486,"body":"this CSA scores are assigned by the"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":342.546,"endTime":347.416,"body":"FMCSA, which is the Federal Motor"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":342.546,"endTime":347.416,"body":"Carrier Safety Administration."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":348.046,"endTime":351.127,"body":"And to tell you the truth, the"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":348.046,"endTime":351.127,"body":"lower the the score is on the scale"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":351.127,"endTime":352.647,"body":"of one to a hundred, the better."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":353.487,"endTime":356.977,"body":"And this is something underwriters"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":353.487,"endTime":356.977,"body":"definitely take a look at just"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":356.977,"endTime":358.997,"body":"to evaluate the risk as a whole."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":360.177,"endTime":360.487,"body":"And"},{"speaker":"Chris Harris, Safety Dawg","startTime":360.497,"endTime":362.057,"body":"Damn important when it comes to"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":363.657,"endTime":365.047,"body":"Yeah, definitely."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":365.117,"endTime":366.957,"body":"Make sure everyone's doing their part."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":367.017,"endTime":370.847,"body":"Everything's in check and, we want"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":367.017,"endTime":370.847,"body":"to promote safety at the end of"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":370.867,"endTime":374.957,"body":"the day, no matter, how big the"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":370.867,"endTime":374.957,"body":"shipment is or how important it is."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":375.307,"endTime":377.737,"body":"Everyone's got to be safe"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":375.307,"endTime":377.737,"body":"on job, in my opinion."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":379.242,"endTime":379.662,"body":"Agreed."},{"speaker":"Chris Harris, Safety Dawg","startTime":380.702,"endTime":383.622,"body":"Trucking is in the top 10."},{"speaker":"Chris Harris, Safety Dawg","startTime":384.662,"endTime":388.702,"body":"Um, it's in the top 10"},{"speaker":"Chris Harris, Safety Dawg","startTime":384.662,"endTime":388.702,"body":"high risk professions."},{"speaker":"Chris Harris, Safety Dawg","startTime":388.772,"endTime":389.522,"body":"That's what I wanted to say."},{"speaker":"Chris Harris, Safety Dawg","startTime":390.552,"endTime":393.232,"body":"Last time I looked at"},{"speaker":"Chris Harris, Safety Dawg","startTime":390.552,"endTime":393.232,"body":"it, it was number six."},{"speaker":"Chris Harris, Safety Dawg","startTime":393.852,"endTime":394.722,"body":"Number six."},{"speaker":"Chris Harris, Safety Dawg","startTime":394.962,"endTime":395.282,"body":"Yeah."},{"speaker":"Chris Harris, Safety Dawg","startTime":395.572,"endTime":399.112,"body":"Only things like roofers and high"},{"speaker":"Chris Harris, Safety Dawg","startTime":395.572,"endTime":399.112,"body":"steel workers and things were."},{"speaker":"Chris Harris, Safety Dawg","startTime":399.817,"endTime":402.597,"body":"had a more dangerous"},{"speaker":"Chris Harris, Safety Dawg","startTime":399.817,"endTime":402.597,"body":"occupation than trucking."},{"speaker":"Chris Harris, Safety Dawg","startTime":402.937,"endTime":407.077,"body":"And yet if you ask a truck driver,"},{"speaker":"Chris Harris, Safety Dawg","startTime":402.937,"endTime":407.077,"body":"they don't think it's dangerous at all."},{"speaker":"Chris Harris, Safety Dawg","startTime":407.347,"endTime":409.787,"body":"But, it is in the top six."},{"speaker":"Chris Harris, Safety Dawg","startTime":409.787,"endTime":419.947,"body":"And so the CSA or SMS scores, I"},{"speaker":"Chris Harris, Safety Dawg","startTime":409.787,"endTime":419.947,"body":"know insurers rely on as a, as one"},{"speaker":"Chris Harris, Safety Dawg","startTime":419.947,"endTime":424.097,"body":"of the marking points, it's not"},{"speaker":"Chris Harris, Safety Dawg","startTime":419.947,"endTime":424.097,"body":"the only thing, but it sure has"},{"speaker":"Chris Harris, Safety Dawg","startTime":424.097,"endTime":426.897,"body":"an impact on your policy rates."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":428.042,"endTime":428.452,"body":"Definitely."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":428.782,"endTime":429.072,"body":"Yep."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":429.862,"endTime":430.812,"body":"It's definitely a big factor."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":430.812,"endTime":436.542,"body":"It's one of the first things I would like"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":430.812,"endTime":436.542,"body":"to see, when I open up a file and dig,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":436.552,"endTime":441.322,"body":"dive in and see what I could find and how"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":436.552,"endTime":441.322,"body":"to underwrite it the best of my ability."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":441.392,"endTime":443.442,"body":"So it's definitely a key point."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":444.162,"endTime":444.582,"body":"And it's"},{"speaker":"Chris Harris, Safety Dawg","startTime":444.582,"endTime":445.422,"body":"What else is there?"},{"speaker":"Chris Harris, Safety Dawg","startTime":445.472,"endTime":447.462,"body":"CSA SMS is one thing."},{"speaker":"Chris Harris, Safety Dawg","startTime":448.042,"endTime":450.602,"body":"What else are you looking"},{"speaker":"Chris Harris, Safety Dawg","startTime":448.042,"endTime":450.602,"body":"at when you're evaluating?"},{"speaker":"Chris Harris, Safety Dawg","startTime":451.137,"endTime":452.507,"body":"A trucking risk."},{"speaker":"Chris Harris, Safety Dawg","startTime":452.907,"endTime":453.797,"body":"What are you looking at?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":455.177,"endTime":456.567,"body":"I'm also looking at the DOT"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":456.567,"endTime":458.957,"body":"ratings as well and their audits."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":458.997,"endTime":461.507,"body":"I just want to make sure,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":458.997,"endTime":461.507,"body":"that's in line with the CSA."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":462.087,"endTime":467.217,"body":"And we all know like the DOT audits"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":462.087,"endTime":467.217,"body":"are, triggered by serious accidents or"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":467.227,"endTime":474.192,"body":"like high CSA scores, violations, and"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":467.227,"endTime":474.192,"body":"even Randomly chosen by audits and, we"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":474.192,"endTime":478.652,"body":"just want to make sure that's in line"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":474.192,"endTime":478.652,"body":"with the CSA as well and my findings."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":478.662,"endTime":479.852,"body":"So that's very important."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":479.882,"endTime":482.242,"body":"And also another big 1 for underwriters."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":482.242,"endTime":485.872,"body":"In my opinion is you're operating"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":482.242,"endTime":485.872,"body":"authority within the FMCSA."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":486.062,"endTime":486.922,"body":"This is a big 1."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":486.972,"endTime":492.072,"body":"I've found throughout my career that There"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":486.972,"endTime":492.072,"body":"are agencies that think they are licensed"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":492.102,"endTime":497.002,"body":"for a certain type of goods or, operation"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":492.102,"endTime":497.002,"body":"and they find out that they're not and"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":497.002,"endTime":502.322,"body":"they're in violation or policy has to get"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":497.002,"endTime":502.322,"body":"canceled, if it was grossly underwritten"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":502.322,"endTime":504.612,"body":"or there was some negligence there."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":504.612,"endTime":505.802,"body":"So that one's a big one."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":505.802,"endTime":509.042,"body":"You want to make sure you're"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":505.802,"endTime":509.042,"body":"operating the proper authority as a"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":509.182,"endTime":511.112,"body":"property broker, freight forwarder."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":511.457,"endTime":518.337,"body":"And also do you have the proper bonds"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":511.457,"endTime":518.337,"body":"in place, your BMC 91, which is more"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":518.337,"endTime":523.847,"body":"of I want to say, intrastate, within"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":518.337,"endTime":523.847,"body":"the States and your BMC 91X, which"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":523.857,"endTime":529.137,"body":"is more of the interstate between the"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":523.857,"endTime":529.137,"body":"States and, want to make sure you have"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":529.137,"endTime":534.087,"body":"those in place and you're doing your"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":529.137,"endTime":534.087,"body":"part to to make sure everything is."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":535.482,"endTime":535.922,"body":"Mhm."},{"speaker":"John Farquhar, Gallager GGB","startTime":536.232,"endTime":541.202,"body":"And it's"},{"speaker":"John Farquhar, Gallager GGB","startTime":536.232,"endTime":541.202,"body":"good that the insurance side knows this."},{"speaker":"John Farquhar, Gallager GGB","startTime":541.202,"endTime":545.882,"body":"They need to know this because they're"},{"speaker":"John Farquhar, Gallager GGB","startTime":541.202,"endTime":545.882,"body":"unfortunately, it is fairly easy"},{"speaker":"John Farquhar, Gallager GGB","startTime":545.882,"endTime":548.932,"body":"to get into the trucking industry,"},{"speaker":"John Farquhar, Gallager GGB","startTime":545.882,"endTime":548.932,"body":"and get your operating authority."},{"speaker":"John Farquhar, Gallager GGB","startTime":548.932,"endTime":553.072,"body":"And it's not, once you've got your"},{"speaker":"John Farquhar, Gallager GGB","startTime":548.932,"endTime":553.072,"body":"operating authority, it's not the"},{"speaker":"John Farquhar, Gallager GGB","startTime":553.752,"endTime":556.922,"body":"End all be all that says, Hey, now I"},{"speaker":"John Farquhar, Gallager GGB","startTime":553.752,"endTime":556.922,"body":"can go haul anything and everything"},{"speaker":"John Farquhar, Gallager GGB","startTime":556.922,"endTime":561.532,"body":"I want because there's a lot of"},{"speaker":"John Farquhar, Gallager GGB","startTime":556.922,"endTime":561.532,"body":"regulations around certain commodities."},{"speaker":"John Farquhar, Gallager GGB","startTime":561.572,"endTime":565.642,"body":"And there are requirements to have"},{"speaker":"John Farquhar, Gallager GGB","startTime":561.572,"endTime":565.642,"body":"certain insurance thresholds in place"},{"speaker":"John Farquhar, Gallager GGB","startTime":565.752,"endTime":570.372,"body":"with specific commodities, dangerous"},{"speaker":"John Farquhar, Gallager GGB","startTime":565.752,"endTime":570.372,"body":"goods being one dangerous goods in a van"},{"speaker":"John Farquhar, Gallager GGB","startTime":570.372,"endTime":576.772,"body":"versus bulk dangerous goods in a tanker or"},{"speaker":"John Farquhar, Gallager GGB","startTime":570.372,"endTime":576.772,"body":"household goods or radioactive materials."},{"speaker":"John Farquhar, Gallager GGB","startTime":576.772,"endTime":578.502,"body":"And, there's all these different things."},{"speaker":"John Farquhar, Gallager GGB","startTime":578.502,"endTime":581.932,"body":"It's good that you're knowing this"},{"speaker":"John Farquhar, Gallager GGB","startTime":578.502,"endTime":581.932,"body":"and understanding this to catch this"},{"speaker":"John Farquhar, Gallager GGB","startTime":581.932,"endTime":585.372,"body":"and look for these things because you"},{"speaker":"John Farquhar, Gallager GGB","startTime":581.932,"endTime":585.372,"body":"don't want to have to deal with a motor"},{"speaker":"John Farquhar, Gallager GGB","startTime":585.372,"endTime":587.562,"body":"carrier that didn't know it themselves."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":588.482,"endTime":589.102,"body":"Exactly."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":589.102,"endTime":593.777,"body":"The last thing we want to do is a"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":589.102,"endTime":593.777,"body":"customer like, Oh, we can't, Not only"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":593.807,"endTime":598.627,"body":"can't we insure you because X, Y, and"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":593.807,"endTime":598.627,"body":"Z, but you don't know how to operate"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":598.627,"endTime":603.347,"body":"properly, and I think if insurance"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":598.627,"endTime":603.347,"body":"companies took that extra step of just"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":603.347,"endTime":606.797,"body":"hey, even though you don't have these"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":603.347,"endTime":606.797,"body":"in place right now, we'll work with you."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":606.797,"endTime":608.417,"body":"We'll put it as a subjectivity."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":608.737,"endTime":613.257,"body":"We'll give you some ample time to Get"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":608.737,"endTime":613.257,"body":"your proper filings in place, because"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":613.257,"endTime":616.867,"body":"it's a good educational piece all"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":613.257,"endTime":616.867,"body":"around and it just keeps the industry"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":616.867,"endTime":622.767,"body":"a lot tighter and so everyone knows"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":616.867,"endTime":622.767,"body":"what they need to do, in my opinion."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":623.577,"endTime":623.837,"body":"Yep."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":625.687,"endTime":625.997,"body":"Yeah."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":626.157,"endTime":629.797,"body":"And I don't want to make it seem like,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":626.157,"endTime":629.797,"body":"underwriters are just gonna nitpick and"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":629.797,"endTime":633.137,"body":"find every little thing that's wrong,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":629.797,"endTime":633.137,"body":"but, it's more of us trying to do our"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":633.137,"endTime":637.287,"body":"part to also educate, the trucking agency"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":633.137,"endTime":637.287,"body":"as well, because like you said, it's"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":637.287,"endTime":639.187,"body":"very easy to get into this business."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":639.537,"endTime":643.297,"body":"Even on a property broker level, where"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":639.537,"endTime":643.297,"body":"you don't need any equipment at all."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":643.297,"endTime":647.447,"body":"You're just operating off a computer"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":643.297,"endTime":647.447,"body":"in a basement, arranging shipment."},{"speaker":"Chris Harris, Safety Dawg","startTime":649.327,"endTime":651.797,"body":"And"},{"speaker":"Chris Harris, Safety Dawg","startTime":649.327,"endTime":651.797,"body":"there's a lot more people doing that."},{"speaker":"Chris Harris, Safety Dawg","startTime":651.797,"endTime":655.257,"body":"It seems like they perceive it as being."},{"speaker":"Chris Harris, Safety Dawg","startTime":655.742,"endTime":660.012,"body":"Easy money and so easy to"},{"speaker":"Chris Harris, Safety Dawg","startTime":655.742,"endTime":660.012,"body":"start the company and no risk."},{"speaker":"Chris Harris, Safety Dawg","startTime":660.382,"endTime":661.242,"body":"I got news for them."},{"speaker":"Chris Harris, Safety Dawg","startTime":661.282,"endTime":663.082,"body":"There's It's not that easy."},{"speaker":"Chris Harris, Safety Dawg","startTime":663.082,"endTime":667.852,"body":"That's why Yeah It is difficult"},{"speaker":"Chris Harris, Safety Dawg","startTime":663.082,"endTime":667.852,"body":"but getting back to trucking."},{"speaker":"Chris Harris, Safety Dawg","startTime":668.292,"endTime":671.382,"body":"There's a especially in the u."},{"speaker":"Chris Harris, Safety Dawg","startTime":671.382,"endTime":675.232,"body":"s As we say sometimes u."},{"speaker":"Chris Harris, Safety Dawg","startTime":675.232,"endTime":677.292,"body":"s is fairly litigious"},{"speaker":"Chris Harris, Safety Dawg","startTime":679.722,"endTime":686.357,"body":"Especially when it comes to nuclear"},{"speaker":"Chris Harris, Safety Dawg","startTime":679.722,"endTime":686.357,"body":"verdicts, I mean my god, you're Here in"},{"speaker":"Chris Harris, Safety Dawg","startTime":686.357,"endTime":688.757,"body":"Canada, we have different insurance rules."},{"speaker":"Chris Harris, Safety Dawg","startTime":689.077,"endTime":693.797,"body":"Therefore, we don't have these huge"},{"speaker":"Chris Harris, Safety Dawg","startTime":689.077,"endTime":693.797,"body":"verdicts that we have in the states"},{"speaker":"Chris Harris, Safety Dawg","startTime":694.277,"endTime":700.767,"body":"But if you truck in the states you're"},{"speaker":"Chris Harris, Safety Dawg","startTime":694.277,"endTime":700.767,"body":"subject to them So how would you"},{"speaker":"Chris Harris, Safety Dawg","startTime":700.777,"endTime":705.292,"body":"what piece of advice would you give"},{"speaker":"Chris Harris, Safety Dawg","startTime":700.777,"endTime":705.292,"body":"to a trucking company owner to say?"},{"speaker":"Chris Harris, Safety Dawg","startTime":705.292,"endTime":713.712,"body":"Hey, this is the Best way, or one way"},{"speaker":"Chris Harris, Safety Dawg","startTime":705.292,"endTime":713.712,"body":"at least, to avoid a nuclear verdict?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":715.752,"endTime":719.712,"body":"Um, I personally would say just talk"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":719.712,"endTime":721.322,"body":"to your underwriter, I would say."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":721.322,"endTime":724.212,"body":"Talk, talk to insurance companies"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":721.322,"endTime":724.212,"body":"because they definitely have some"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":724.212,"endTime":726.742,"body":"good information on that as well."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":726.842,"endTime":730.642,"body":"I haven't really, I can't"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":726.842,"endTime":730.642,"body":"really speak on that part."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":730.672,"endTime":735.122,"body":"I don't have that much experience"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":730.672,"endTime":735.122,"body":"when it comes to nuclear verdicts."},{"speaker":"Chris Harris, Safety Dawg","startTime":735.352,"endTime":735.572,"body":"Verticals."},{"speaker":"Chris Harris, Safety Dawg","startTime":737.232,"endTime":739.072,"body":"But what you said is huge."},{"speaker":"Chris Harris, Safety Dawg","startTime":740.317,"endTime":741.317,"body":"Talk to your underwriters."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":742.047,"endTime":742.477,"body":"Yeah."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":745.987,"endTime":746.657,"body":"Yeah, sorry."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":747.047,"endTime":747.847,"body":"Just to add on that."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":748.137,"endTime":749.407,"body":"I think just talk to your underwriters."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":749.427,"endTime":753.297,"body":"I think a lot of companies,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":749.427,"endTime":753.297,"body":"agencies, they want to put their"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":753.297,"endTime":754.657,"body":"best foot forward, which is good."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":754.667,"endTime":758.422,"body":"You want Be out and open on your"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":754.667,"endTime":758.422,"body":"application, but there's also"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":758.422,"endTime":761.172,"body":"questions where it's like how"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":758.422,"endTime":761.172,"body":"will this affect me in a claim?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":761.512,"endTime":765.162,"body":"How does this affect the industry with"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":761.512,"endTime":765.162,"body":"these new regulations and stuff like that?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":765.162,"endTime":769.062,"body":"But it's good to have that relationship"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":765.162,"endTime":769.062,"body":"with your underwriter and broker as well."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":769.562,"endTime":774.572,"body":"So you're always informed and it's"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":769.562,"endTime":774.572,"body":"a well oiled machine on all parts."},{"speaker":"Chris Harris, Safety Dawg","startTime":777.017,"endTime":780.237,"body":"And I think"},{"speaker":"Chris Harris, Safety Dawg","startTime":777.017,"endTime":780.237,"body":"that's one aspect that many trucking"},{"speaker":"Chris Harris, Safety Dawg","startTime":780.237,"endTime":786.147,"body":"companies forget, is that they can"},{"speaker":"Chris Harris, Safety Dawg","startTime":780.237,"endTime":786.147,"body":"build a relationship with the broker,"},{"speaker":"Chris Harris, Safety Dawg","startTime":786.147,"endTime":791.397,"body":"that's really important, but also with"},{"speaker":"Chris Harris, Safety Dawg","startTime":786.147,"endTime":791.397,"body":"the underwriter, so that you are not"},{"speaker":"Chris Harris, Safety Dawg","startTime":791.407,"endTime":796.307,"body":"just a policy number, but when the"},{"speaker":"Chris Harris, Safety Dawg","startTime":791.407,"endTime":796.307,"body":"underwriter comes to understanding your"},{"speaker":"Chris Harris, Safety Dawg","startTime":796.307,"endTime":800.737,"body":"account, because of the relationship"},{"speaker":"Chris Harris, Safety Dawg","startTime":796.307,"endTime":800.737,"body":"and the conversations you've had"},{"speaker":"Chris Harris, Safety Dawg","startTime":800.737,"endTime":804.772,"body":"with the underwriter, You are much"},{"speaker":"Chris Harris, Safety Dawg","startTime":800.737,"endTime":804.772,"body":"more than just a policy member."},{"speaker":"Chris Harris, Safety Dawg","startTime":804.772,"endTime":805.702,"body":"I think that's great."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":806.592,"endTime":807.592,"body":"Yeah, I think that's huge."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":807.592,"endTime":810.682,"body":"And you've also built, somewhat of"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":807.592,"endTime":810.682,"body":"a personal relationship sometimes"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":810.682,"endTime":814.402,"body":"and you, sometimes your things are"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":810.682,"endTime":814.402,"body":"more on top of the list than others."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":814.422,"endTime":817.562,"body":"Depending on that relationship with"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":814.422,"endTime":817.562,"body":"the underwriter and, once you have"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":817.562,"endTime":821.102,"body":"that working relationship and what"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":817.562,"endTime":821.102,"body":"the underwriter is going to ask in"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":821.102,"endTime":825.452,"body":"advance or what they like, what they"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":821.102,"endTime":825.452,"body":"don't like When it comes to renewals"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":825.462,"endTime":829.222,"body":"and stuff like that, it's an easier"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":825.462,"endTime":829.222,"body":"process on the next go around."},{"speaker":"John Farquhar, Gallager GGB","startTime":829.722,"endTime":831.662,"body":"I was going"},{"speaker":"John Farquhar, Gallager GGB","startTime":829.722,"endTime":831.662,"body":"to say, Chris and I have been in the"},{"speaker":"John Farquhar, Gallager GGB","startTime":831.662,"endTime":837.572,"body":"insurance world a long time here now, and"},{"speaker":"John Farquhar, Gallager GGB","startTime":831.662,"endTime":837.572,"body":"we've both seen companies who feel that"},{"speaker":"John Farquhar, Gallager GGB","startTime":837.582,"endTime":843.482,"body":"their underwriters are untouchable, and"},{"speaker":"John Farquhar, Gallager GGB","startTime":837.582,"endTime":843.482,"body":"they just don't feel that they could reach"},{"speaker":"John Farquhar, Gallager GGB","startTime":843.482,"endTime":845.212,"body":"out and build that relationship, right?"},{"speaker":"John Farquhar, Gallager GGB","startTime":845.552,"endTime":850.162,"body":"Whereas if they could, they would"},{"speaker":"John Farquhar, Gallager GGB","startTime":845.552,"endTime":850.162,"body":"have a better understanding of"},{"speaker":"John Farquhar, Gallager GGB","startTime":850.312,"endTime":853.962,"body":"certain aspects of their business"},{"speaker":"John Farquhar, Gallager GGB","startTime":850.312,"endTime":853.962,"body":"are a higher risk than others."},{"speaker":"John Farquhar, Gallager GGB","startTime":854.552,"endTime":858.392,"body":"Yeah, they can put controls in"},{"speaker":"John Farquhar, Gallager GGB","startTime":854.552,"endTime":858.392,"body":"place to help mitigate or reduce"},{"speaker":"John Farquhar, Gallager GGB","startTime":858.392,"endTime":860.762,"body":"that risk from becoming a problem."},{"speaker":"John Farquhar, Gallager GGB","startTime":861.182,"endTime":865.302,"body":"And by having a conversation with your"},{"speaker":"John Farquhar, Gallager GGB","startTime":861.182,"endTime":865.302,"body":"underwriter so that you can help put"},{"speaker":"John Farquhar, Gallager GGB","startTime":865.652,"endTime":870.322,"body":"the relationship at ease and be able"},{"speaker":"John Farquhar, Gallager GGB","startTime":865.652,"endTime":870.322,"body":"to show, Hey, excellent information."},{"speaker":"John Farquhar, Gallager GGB","startTime":870.322,"endTime":870.652,"body":"Thank you."},{"speaker":"John Farquhar, Gallager GGB","startTime":870.652,"endTime":871.332,"body":"I'm going to go away."},{"speaker":"John Farquhar, Gallager GGB","startTime":871.332,"endTime":872.252,"body":"I'm going to work on that."},{"speaker":"John Farquhar, Gallager GGB","startTime":872.252,"endTime":874.832,"body":"I'm going to put some programs in"},{"speaker":"John Farquhar, Gallager GGB","startTime":872.252,"endTime":874.832,"body":"place, some training in place, and then"},{"speaker":"John Farquhar, Gallager GGB","startTime":874.832,"endTime":877.722,"body":"I'm going to come back and share it"},{"speaker":"John Farquhar, Gallager GGB","startTime":874.832,"endTime":877.722,"body":"with you to now give the underwriter"},{"speaker":"John Farquhar, Gallager GGB","startTime":877.752,"endTime":881.122,"body":"confidence that the motor carrier"},{"speaker":"John Farquhar, Gallager GGB","startTime":877.752,"endTime":881.122,"body":"is doing exactly what they said."},{"speaker":"John Farquhar, Gallager GGB","startTime":881.352,"endTime":883.382,"body":"And that just helps create synergy."},{"speaker":"John Farquhar, Gallager GGB","startTime":883.557,"endTime":887.137,"body":"Between the two of you and then you"},{"speaker":"John Farquhar, Gallager GGB","startTime":883.557,"endTime":887.137,"body":"bring the broker in there and all of a"},{"speaker":"John Farquhar, Gallager GGB","startTime":887.137,"endTime":889.257,"body":"sudden you've got a happy relationship."},{"speaker":"John Farquhar, Gallager GGB","startTime":889.467,"endTime":891.527,"body":"Just like Chris and I,"},{"speaker":"John Farquhar, Gallager GGB","startTime":889.467,"endTime":891.527,"body":"we're happy all the time."},{"speaker":"John Farquhar, Gallager GGB","startTime":891.977,"endTime":896.437,"body":"It really can help cement and educate"},{"speaker":"John Farquhar, Gallager GGB","startTime":891.977,"endTime":896.437,"body":"everybody in that in that circle."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":897.367,"endTime":897.677,"body":"Yeah."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":897.687,"endTime":898.702,"body":"And Johnny you're terrific."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":898.942,"endTime":900.282,"body":"You're totally right on that."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":900.352,"endTime":904.322,"body":"And, can't speak for all underwriters,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":900.352,"endTime":904.322,"body":"but, some, sometimes we do get a little"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":904.442,"endTime":908.672,"body":"egotistic cause we, we do have the power"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":904.442,"endTime":908.672,"body":"of the pen, and we are the decision maker"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":908.672,"endTime":913.772,"body":"and, we want things our way, but, as you"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":908.672,"endTime":913.772,"body":"can tell, I'm a more of a, on the younger"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":913.772,"endTime":917.852,"body":"side and want to break that mold and just"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":913.772,"endTime":917.852,"body":"have that relation, more of a relationship"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":917.852,"endTime":922.692,"body":"with My clients and brokers and I think"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":917.852,"endTime":922.692,"body":"that I'll go a long way and once again"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":922.692,"endTime":928.082,"body":"that kind of ties into the Vivace name"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":922.692,"endTime":928.082,"body":"It's more upbeat Everyone is moving"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":928.082,"endTime":932.712,"body":"together as one and you know creating"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":928.082,"endTime":932.712,"body":"quote unquote, you know that perfect"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":933.482,"endTime":937.692,"body":"wine taste and that perfect taste within"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":933.482,"endTime":937.692,"body":"that within the industry in my opinion"},{"speaker":"Chris Harris, Safety Dawg","startTime":938.697,"endTime":942.907,"body":"It needs"},{"speaker":"Chris Harris, Safety Dawg","startTime":938.697,"endTime":942.907,"body":"to be the relationship with your"},{"speaker":"Chris Harris, Safety Dawg","startTime":942.937,"endTime":948.212,"body":"pallet is the same as the relationship"},{"speaker":"Chris Harris, Safety Dawg","startTime":942.937,"endTime":948.212,"body":"trucking company with the pallet writer."},{"speaker":"Chris Harris, Safety Dawg","startTime":948.212,"endTime":950.29,"body":"No pun intended with the pallet."},{"speaker":"Chris Harris, Safety Dawg","startTime":950.29,"endTime":952.021,"body":"It's got to be smooth."},{"speaker":"Chris Harris, Safety Dawg","startTime":952.021,"endTime":952.367,"body":"Exactly."},{"speaker":"Chris Harris, Safety Dawg","startTime":952.367,"endTime":952.714,"body":"Yeah."},{"speaker":"Chris Harris, Safety Dawg","startTime":952.714,"endTime":955.498,"body":"Just tying it back to"},{"speaker":"Chris Harris, Safety Dawg","startTime":952.714,"endTime":955.498,"body":"Vivace, what the hell."},{"speaker":"Chris Harris, Safety Dawg","startTime":955.598,"endTime":961.298,"body":"Hey, when Crudel, I was looking over"},{"speaker":"Chris Harris, Safety Dawg","startTime":955.598,"endTime":961.298,"body":"at my bookshelf to see if I could grab"},{"speaker":"Chris Harris, Safety Dawg","startTime":961.298,"endTime":963.468,"body":"a copy of the Federal Motor Carrier."},{"speaker":"Chris Harris, Safety Dawg","startTime":963.793,"endTime":965.773,"body":"Safety Regulations, that green book."},{"speaker":"Chris Harris, Safety Dawg","startTime":966.453,"endTime":970.583,"body":"I actually don't think I own one anymore,"},{"speaker":"Chris Harris, Safety Dawg","startTime":966.453,"endTime":970.583,"body":"because of course it's online, but"},{"speaker":"Chris Harris, Safety Dawg","startTime":971.173,"endTime":977.368,"body":"what do you think about regulations and"},{"speaker":"Chris Harris, Safety Dawg","startTime":971.173,"endTime":977.368,"body":"compliance in the trucking industry?"},{"speaker":"Chris Harris, Safety Dawg","startTime":977.418,"endTime":981.938,"body":"What's the most challenging part for"},{"speaker":"Chris Harris, Safety Dawg","startTime":977.418,"endTime":981.938,"body":"trucking companies and regulations?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":983.438,"endTime":984.928,"body":"That's a lot of factors and I'd say"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":984.928,"endTime":988.518,"body":"like one of the most challenging"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":984.928,"endTime":988.518,"body":"factors is the HOS management,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":988.518,"endTime":989.998,"body":"which is the hours of service."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":990.643,"endTime":994.333,"body":"Which includes the complexity of"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":990.643,"endTime":994.333,"body":"managing multiple driver schedules"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":994.333,"endTime":995.593,"body":"while maintaining efficiency."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":995.593,"endTime":997.043,"body":"I think this is a big one."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":997.633,"endTime":1002.963,"body":"A lot of trucking agencies want to,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":997.633,"endTime":1002.963,"body":"maximize, the profits as much as"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1002.963,"endTime":1007.553,"body":"you can and the drivers, but that's"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1002.963,"endTime":1007.553,"body":"hard to do with other factors That"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1007.553,"endTime":1009.153,"body":"you have on the day to day basis."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1009.253,"endTime":1013.603,"body":"So I think that's a challenge dealing"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1009.253,"endTime":1013.603,"body":"with unexpected delays, weathers and"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1013.743,"endTime":1015.763,"body":"traffic that impact driving hours."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1015.923,"endTime":1017.493,"body":"I think that's a challenge as well."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1018.093,"endTime":1020.543,"body":"Dealing with climate"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1018.093,"endTime":1020.543,"body":"change and you don't know."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1021.648,"endTime":1025.658,"body":"What the road or the weather is going"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1021.648,"endTime":1025.658,"body":"to present sometimes might have to go"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1025.658,"endTime":1030.118,"body":"a different route and, quote unquote,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1025.658,"endTime":1030.118,"body":"that might affect your policy or not."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1030.118,"endTime":1033.588,"body":"But once again, pick up the phone, call"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1030.118,"endTime":1033.588,"body":"your broker, call the underwriter, explain"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1033.588,"endTime":1037.278,"body":"the situation and let's work together"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1033.588,"endTime":1037.278,"body":"and see how we could get the shipment"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1037.288,"endTime":1039.038,"body":"back on the road the best way we can."},{"speaker":"Chris Harris, Safety Dawg","startTime":1041.008,"endTime":1045.768,"body":"And today"},{"speaker":"Chris Harris, Safety Dawg","startTime":1041.008,"endTime":1045.768,"body":"we're recording this in what is probably"},{"speaker":"Chris Harris, Safety Dawg","startTime":1045.768,"endTime":1049.808,"body":"one of the coldest certainly where I"},{"speaker":"Chris Harris, Safety Dawg","startTime":1045.768,"endTime":1049.808,"body":"am, it's coldest day of the year so far."},{"speaker":"Chris Harris, Safety Dawg","startTime":1050.058,"endTime":1054.458,"body":"11 degrees Fahrenheit,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1050.058,"endTime":1054.458,"body":"Chicago is at nine degrees."},{"speaker":"Chris Harris, Safety Dawg","startTime":1054.458,"endTime":1060.448,"body":"That's chilly and trucks break down trucks"},{"speaker":"Chris Harris, Safety Dawg","startTime":1054.458,"endTime":1060.448,"body":"run into weather related conditions."},{"speaker":"Chris Harris, Safety Dawg","startTime":1060.973,"endTime":1062.313,"body":"Trucks don't start."},{"speaker":"Chris Harris, Safety Dawg","startTime":1062.813,"endTime":1064.893,"body":"Yeah, there could be a"},{"speaker":"Chris Harris, Safety Dawg","startTime":1062.813,"endTime":1064.893,"body":"lot of different things."},{"speaker":"Chris Harris, Safety Dawg","startTime":1065.403,"endTime":1067.033,"body":"And there may even be a snowstorm."},{"speaker":"Chris Harris, Safety Dawg","startTime":1067.583,"endTime":1069.163,"body":"You're talking about re routing."},{"speaker":"Chris Harris, Safety Dawg","startTime":1069.723,"endTime":1074.153,"body":"Does Vivace take into account"},{"speaker":"Chris Harris, Safety Dawg","startTime":1069.723,"endTime":1074.153,"body":"where the companies go?"},{"speaker":"Chris Harris, Safety Dawg","startTime":1074.203,"endTime":1080.013,"body":"A lot of insurance companies like"},{"speaker":"Chris Harris, Safety Dawg","startTime":1074.203,"endTime":1080.013,"body":"to get the, um, the EFTA reports."},{"speaker":"Chris Harris, Safety Dawg","startTime":1080.203,"endTime":1082.773,"body":"To see how many miles"},{"speaker":"Chris Harris, Safety Dawg","startTime":1080.203,"endTime":1082.773,"body":"in each jurisdiction."},{"speaker":"Chris Harris, Safety Dawg","startTime":1085.263,"endTime":1086.293,"body":"Do you do the same?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1087.683,"endTime":1089.213,"body":"Not for our program."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1089.273,"endTime":1090.533,"body":"We don't do the IFTAs."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1090.603,"endTime":1093.183,"body":"Um, that, that's a different program."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1093.183,"endTime":1097.173,"body":"I want to say more of like towards"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1093.183,"endTime":1097.173,"body":"a cargo hauler program for us."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1097.243,"endTime":1101.503,"body":"But When it comes to just the"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1097.243,"endTime":1101.503,"body":"transportation of goods and and you have"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1101.503,"endTime":1105.823,"body":"your strict liability, we don't really"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1101.503,"endTime":1105.823,"body":"look at the IFTAs too much, but it's still"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1105.823,"endTime":1110.503,"body":"good information, just to see the mileage,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1105.823,"endTime":1110.503,"body":"is it more of a long haul, is it more"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1110.503,"endTime":1115.163,"body":"of a medium haul, is it more of a short"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1110.503,"endTime":1115.163,"body":"haul, and stuff like that, in my opinion."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1115.163,"endTime":1118.023,"body":"And it just gives underwriters"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1115.163,"endTime":1118.023,"body":"better information of okay what's"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1118.073,"endTime":1119.493,"body":"What's the routine here, mainly?"},{"speaker":"Chris Harris, Safety Dawg","startTime":1120.903,"endTime":1122.163,"body":"Johnny and I know that there's"},{"speaker":"Chris Harris, Safety Dawg","startTime":1122.163,"endTime":1123.873,"body":"certain jurisdictions in the U."},{"speaker":"Chris Harris, Safety Dawg","startTime":1123.873,"endTime":1124.173,"body":"S."},{"speaker":"Chris Harris, Safety Dawg","startTime":1124.663,"endTime":1127.353,"body":"Like Cook County, just outside of Chicago,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1130.303,"endTime":1135.923,"body":"is notorious for Outlandish"},{"speaker":"Chris Harris, Safety Dawg","startTime":1130.303,"endTime":1135.923,"body":"not claims, but outlandish"},{"speaker":"John Farquhar, Gallager GGB","startTime":1136.633,"endTime":1136.813,"body":"payouts."},{"speaker":"John Farquhar, Gallager GGB","startTime":1137.013,"endTime":1139.123,"body":"Rewards, yeah."},{"speaker":"Chris Harris, Safety Dawg","startTime":1139.123,"endTime":1139.663,"body":"Thanks, John."},{"speaker":"Chris Harris, Safety Dawg","startTime":1139.663,"endTime":1140.883,"body":"I couldn't think of the damn word."},{"speaker":"Chris Harris, Safety Dawg","startTime":1141.163,"endTime":1143.363,"body":"But are certain jurisdictions"},{"speaker":"Chris Harris, Safety Dawg","startTime":1141.163,"endTime":1143.363,"body":"though in the U."},{"speaker":"Chris Harris, Safety Dawg","startTime":1143.363,"endTime":1143.573,"body":"S."},{"speaker":"Chris Harris, Safety Dawg","startTime":1143.898,"endTime":1146.568,"body":"That will pay out more"},{"speaker":"Chris Harris, Safety Dawg","startTime":1143.898,"endTime":1146.568,"body":"than other jurisdictions."},{"speaker":"Chris Harris, Safety Dawg","startTime":1147.118,"endTime":1147.248,"body":"Oh,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1147.248,"endTime":1147.528,"body":"yeah."},{"speaker":"Chris Harris, Safety Dawg","startTime":1147.668,"endTime":1151.338,"body":"Montana is"},{"speaker":"Chris Harris, Safety Dawg","startTime":1147.668,"endTime":1151.338,"body":"a little more calm when it's compared"},{"speaker":"Chris Harris, Safety Dawg","startTime":1151.338,"endTime":1159.408,"body":"to Chicago, for example, or Texas,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1151.338,"endTime":1159.408,"body":"I think, Texas, New York, Florida,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1159.488,"endTime":1164.498,"body":"damn, billion dollar claim in Florida,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1159.488,"endTime":1164.498,"body":"paid out a couple of years back."},{"speaker":"Chris Harris, Safety Dawg","startTime":1164.498,"endTime":1165.428,"body":"Yeah."},{"speaker":"Chris Harris, Safety Dawg","startTime":1165.428,"endTime":1165.788,"body":"Yeah."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1165.908,"endTime":1167.658,"body":"And it usually involves with those"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1167.708,"endTime":1172.868,"body":"Bigger, metropolitan areas, where"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1167.708,"endTime":1172.868,"body":"it's more condensed, there's more"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1173.668,"endTime":1178.458,"body":"risk of an accident to happen,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1173.668,"endTime":1178.458,"body":"regardless if it's pertaining to the"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1178.458,"endTime":1181.448,"body":"cargo or, unfortunately, another car,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1181.498,"endTime":1184.498,"body":"what type of"},{"speaker":"Chris Harris, Safety Dawg","startTime":1181.498,"endTime":1184.498,"body":"risk are you looking for specifically?"},{"speaker":"Chris Harris, Safety Dawg","startTime":1184.498,"endTime":1190.678,"body":"Like when you say you insure trucking,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1184.498,"endTime":1190.678,"body":"you insure ocean freight and all that."},{"speaker":"Chris Harris, Safety Dawg","startTime":1191.148,"endTime":1195.638,"body":"What is it that you would like,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1191.148,"endTime":1195.638,"body":"what's your ideal client look like?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1196.958,"endTime":1198.608,"body":"My ideal client is basically,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1198.628,"endTime":1201.498,"body":"pretty generic, but the safest"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1198.628,"endTime":1201.498,"body":"risk, everyone wants that."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1201.608,"endTime":1205.598,"body":"Are you transporting new general"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1201.608,"endTime":1205.598,"body":"merchandise that is just basic"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1205.598,"endTime":1210.558,"body":"stuff, you're going point A to"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1205.598,"endTime":1210.558,"body":"point B, maybe less than 300 miles,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1210.658,"endTime":1211.128,"body":"and."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1211.418,"endTime":1213.288,"body":"This is what you do on a daily basis,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1213.308,"endTime":1218.288,"body":"you're in contact with more of a"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1213.308,"endTime":1218.288,"body":"direct shipper that does this on a"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1218.288,"endTime":1222.848,"body":"daily basis and he's contracted your"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1218.288,"endTime":1222.848,"body":"trucking company and you guys have"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1222.848,"endTime":1227.188,"body":"that relationship and it's warehouse"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1222.848,"endTime":1227.188,"body":"to the final destination and back."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1227.198,"endTime":1235.388,"body":"And that's more of the safer risk not,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1227.198,"endTime":1235.388,"body":"I like to see that, but I'm more of a,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1235.908,"endTime":1239.468,"body":"on the creative mindset where it's let's"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1235.908,"endTime":1239.468,"body":"help you with something a little bit more"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1239.468,"endTime":1244.518,"body":"challenging in my view, which is what I"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1239.468,"endTime":1244.518,"body":"like, let's see where this ocean shipment"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1244.528,"endTime":1248.868,"body":"is going to take you from, you know,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1244.528,"endTime":1248.868,"body":"from point A to point B, and now you've"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1248.878,"endTime":1255.128,"body":"got to contract a trucking agency and"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1248.878,"endTime":1255.128,"body":"merge the two transportations, together"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1255.358,"endTime":1257.058,"body":"so it could reach its final destination."},{"speaker":"Chris Harris, Safety Dawg","startTime":1258.458,"endTime":1261.958,"body":"Yeah,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1258.458,"endTime":1261.958,"body":"so your possible client might"},{"speaker":"Chris Harris, Safety Dawg","startTime":1261.958,"endTime":1266.248,"body":"be arranging the shipment from"},{"speaker":"Chris Harris, Safety Dawg","startTime":1261.958,"endTime":1266.248,"body":"Japan, for example, container"},{"speaker":"Chris Harris, Safety Dawg","startTime":1266.248,"endTime":1268.008,"body":"freight all the way over to the U."},{"speaker":"Chris Harris, Safety Dawg","startTime":1268.008,"endTime":1273.868,"body":"S., offloaded onto a truck, and then"},{"speaker":"Chris Harris, Safety Dawg","startTime":1268.008,"endTime":1273.868,"body":"delivered to its final destination."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1274.698,"endTime":1275.078,"body":"Correct."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1275.078,"endTime":1275.358,"body":"Yeah."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1276.358,"endTime":1276.638,"body":"Yeah."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1277.618,"endTime":1280.878,"body":"So that's a risk that we we"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1277.618,"endTime":1280.878,"body":"love, we don't shy away from."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1281.548,"endTime":1286.548,"body":"And it's a constant movement and, everyone"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1281.548,"endTime":1286.548,"body":"is happy at the day, and everyone needs"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1286.548,"endTime":1291.288,"body":"that, that type of insurance instead"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1286.548,"endTime":1291.288,"body":"of just inland transit all the time,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1291.418,"endTime":1295.818,"body":"people think of insurance as just, Oh,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1291.418,"endTime":1295.818,"body":"it's just, inland transit on a truck,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1295.818,"endTime":1297.383,"body":"we're, Where'd those goods come from?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1297.383,"endTime":1301.453,"body":"Those goods probably came from overseas"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1297.383,"endTime":1301.453,"body":"and then onto a truck and now the"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1301.463,"endTime":1302.963,"body":"truck's onto its final destination."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1302.963,"endTime":1305.823,"body":"So that those are the moving"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1302.963,"endTime":1305.823,"body":"parts that we look at."},{"speaker":"Chris Harris, Safety Dawg","startTime":1306.903,"endTime":1307.613,"body":"Yeah, absolutely."},{"speaker":"Chris Harris, Safety Dawg","startTime":1307.713,"endTime":1308.553,"body":"And that's huge."},{"speaker":"Chris Harris, Safety Dawg","startTime":1308.603,"endTime":1314.203,"body":"You look at any container port and"},{"speaker":"Chris Harris, Safety Dawg","startTime":1308.603,"endTime":1314.203,"body":"there are thousands of containers at any"},{"speaker":"Chris Harris, Safety Dawg","startTime":1314.233,"endTime":1319.933,"body":"point in each port and there's multiple"},{"speaker":"Chris Harris, Safety Dawg","startTime":1314.233,"endTime":1319.933,"body":"ports in North America because a lot"},{"speaker":"Chris Harris, Safety Dawg","startTime":1319.933,"endTime":1322.073,"body":"of stuff hits Vancouver or Halifax."},{"speaker":"Chris Harris, Safety Dawg","startTime":1322.518,"endTime":1326.848,"body":"And then we truck it, Canadians truck"},{"speaker":"Chris Harris, Safety Dawg","startTime":1322.518,"endTime":1326.848,"body":"it to the south below the 49th parallel."},{"speaker":"Chris Harris, Safety Dawg","startTime":1327.348,"endTime":1331.098,"body":"It's just, there's a lot of movement"},{"speaker":"Chris Harris, Safety Dawg","startTime":1327.348,"endTime":1331.098,"body":"there and I'm not aware that there's"},{"speaker":"Chris Harris, Safety Dawg","startTime":1331.098,"endTime":1336.558,"body":"a huge number of companies looking"},{"speaker":"Chris Harris, Safety Dawg","startTime":1331.098,"endTime":1336.558,"body":"to sh To insure a product from the"},{"speaker":"Chris Harris, Safety Dawg","startTime":1336.558,"endTime":1340.498,"body":"beginning of its trip all the way"},{"speaker":"Chris Harris, Safety Dawg","startTime":1336.558,"endTime":1340.498,"body":"through to the final stages of it."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1342.148,"endTime":1345.258,"body":"Yeah, that's not a lot of companies do"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1345.258,"endTime":1349.808,"body":"that and then you could take it a step"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1345.258,"endTime":1349.808,"body":"further and there's insurance policies"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1349.808,"endTime":1354.228,"body":"called stock put throughs where not only"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1349.808,"endTime":1354.228,"body":"we're taking it from an ocean shipment"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1354.228,"endTime":1359.238,"body":"all the way to the final destination"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1354.228,"endTime":1359.238,"body":"to the warehouse, but also You know,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1359.238,"endTime":1362.558,"body":"stock put through is we're taking,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1359.238,"endTime":1362.558,"body":"we're ensuring the raw material itself."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1362.578,"endTime":1367.178,"body":"Just say like coal, refining"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1362.578,"endTime":1367.178,"body":"it, gas, oil and gas as well."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1367.278,"endTime":1372.458,"body":"And going through those steps of, um,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1367.278,"endTime":1372.458,"body":"what you call upstream, midstream and"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1372.458,"endTime":1375.668,"body":"downstream of the oil refinery process."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1376.178,"endTime":1379.188,"body":"And until it's a final product"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1376.178,"endTime":1379.188,"body":"and ready to be sold onto"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1379.188,"endTime":1380.468,"body":"the barrels and shipped out."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1380.468,"endTime":1384.508,"body":"So those are also insured"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1380.468,"endTime":1384.508,"body":"insurance products that insurance"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1384.508,"endTime":1386.108,"body":"carriers also offer as well."},{"speaker":"Chris Harris, Safety Dawg","startTime":1389.003,"endTime":1389.343,"body":"Cool."},{"speaker":"Chris Harris, Safety Dawg","startTime":1390.513,"endTime":1393.283,"body":"I'm not very well versed in ocean freight."},{"speaker":"Chris Harris, Safety Dawg","startTime":1393.293,"endTime":1396.093,"body":"My background is all trucking."},{"speaker":"Chris Harris, Safety Dawg","startTime":1396.173,"endTime":1401.283,"body":"We move containers, but damn, I didn't"},{"speaker":"Chris Harris, Safety Dawg","startTime":1396.173,"endTime":1401.283,"body":"have to move it from Japan over here"},{"speaker":"Chris Harris, Safety Dawg","startTime":1401.283,"endTime":1404.363,"body":"or Korea or where China, wherever."},{"speaker":"Chris Harris, Safety Dawg","startTime":1404.903,"endTime":1409.333,"body":"What are some of the practical"},{"speaker":"Chris Harris, Safety Dawg","startTime":1404.903,"endTime":1409.333,"body":"implementation approaches that"},{"speaker":"Chris Harris, Safety Dawg","startTime":1409.333,"endTime":1414.953,"body":"you might find for regulatory"},{"speaker":"Chris Harris, Safety Dawg","startTime":1409.333,"endTime":1414.953,"body":"compliance and strategies like that?"},{"speaker":"Chris Harris, Safety Dawg","startTime":1415.953,"endTime":1416.983,"body":"How in the hell are we going to?"},{"speaker":"Chris Harris, Safety Dawg","startTime":1417.818,"endTime":1419.308,"body":"Trucking companies, it's hard."},{"speaker":"Chris Harris, Safety Dawg","startTime":1419.588,"endTime":1423.258,"body":"You mentioned HOS as one of the things."},{"speaker":"Chris Harris, Safety Dawg","startTime":1423.628,"endTime":1426.718,"body":"John and I have seen the HOS compliance."},{"speaker":"Chris Harris, Safety Dawg","startTime":1427.248,"endTime":1429.998,"body":"The number of violations now have shrunk."},{"speaker":"Chris Harris, Safety Dawg","startTime":1432.053,"endTime":1435.803,"body":"But the scores remain high because"},{"speaker":"Chris Harris, Safety Dawg","startTime":1432.053,"endTime":1435.803,"body":"it's nothing but a comparison."},{"speaker":"Chris Harris, Safety Dawg","startTime":1436.203,"endTime":1438.153,"body":"How do you see all these regulations?"},{"speaker":"Chris Harris, Safety Dawg","startTime":1438.163,"endTime":1441.423,"body":"What's the greatest challenge"},{"speaker":"Chris Harris, Safety Dawg","startTime":1438.163,"endTime":1441.423,"body":"in meeting these things?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1441.923,"endTime":1443.103,"body":"The greatest challenge is just"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1443.113,"endTime":1449.253,"body":"comparing them to the other like seven"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1443.113,"endTime":1449.253,"body":"basic CSAs in my opinion, and that's"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1449.653,"endTime":1455.123,"body":"Basically, the unsafe driving the"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1449.653,"endTime":1455.123,"body":"driver fitness, the controlled substance"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1455.123,"endTime":1460.373,"body":"and alcohol violations the crash"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1455.123,"endTime":1460.373,"body":"indicators history, and stuff like that."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1460.923,"endTime":1466.813,"body":"That's like a big challenge, and Also,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1460.923,"endTime":1466.813,"body":"just prioritizing areas of immediate"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1466.833,"endTime":1471.943,"body":"attention for the risk levels, just"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1466.833,"endTime":1471.943,"body":"as such as challenges and regulations,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1471.963,"endTime":1476.193,"body":"natural disasters, and a big one is"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1471.963,"endTime":1476.193,"body":"shortage of skilled workers and drivers."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1476.283,"endTime":1478.273,"body":"There's really not that much out there."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1478.283,"endTime":1481.773,"body":"And, the last thing you want to do"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1478.283,"endTime":1481.773,"body":"is hire an experienced driver and"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1482.063,"endTime":1483.743,"body":"have a violation and stuff like that."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1484.328,"endTime":1488.548,"body":"And it just, one, one bad apple could"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1484.328,"endTime":1488.548,"body":"ruin your policy and kind of your,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1488.668,"endTime":1491.668,"body":"not only that, like your workflow"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1488.668,"endTime":1491.668,"body":"within the company, I assume Johnny."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1491.788,"endTime":1491.908,"body":"Sure."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1491.908,"endTime":1493.078,"body":"I dunno if you could share on that."},{"speaker":"Chris Harris, Safety Dawg","startTime":1494.988,"endTime":1495.888,"body":"Go ahead Johnny."},{"speaker":"Chris Harris, Safety Dawg","startTime":1495.888,"endTime":1496.278,"body":"You're gonna say"},{"speaker":"John Farquhar, Gallager GGB","startTime":1496.523,"endTime":1499.903,"body":"I was gonna"},{"speaker":"John Farquhar, Gallager GGB","startTime":1496.523,"endTime":1499.903,"body":"say most definitely it, there's no I in"},{"speaker":"John Farquhar, Gallager GGB","startTime":1499.903,"endTime":1504.803,"body":"team as we know, but we also know that"},{"speaker":"John Farquhar, Gallager GGB","startTime":1499.903,"endTime":1504.803,"body":"if we don't control things as we should,"},{"speaker":"John Farquhar, Gallager GGB","startTime":1505.043,"endTime":1507.803,"body":"it, it doesn't take much for one driver."},{"speaker":"John Farquhar, Gallager GGB","startTime":1508.258,"endTime":1512.138,"body":"To take down a whole corporation,"},{"speaker":"John Farquhar, Gallager GGB","startTime":1508.258,"endTime":1512.138,"body":"due to negligent control."},{"speaker":"John Farquhar, Gallager GGB","startTime":1512.498,"endTime":1516.528,"body":"Like Chris was saying earlier, nuclear"},{"speaker":"John Farquhar, Gallager GGB","startTime":1512.498,"endTime":1516.528,"body":"verdicts all it takes is one driver,"},{"speaker":"John Farquhar, Gallager GGB","startTime":1516.568,"endTime":1520.898,"body":"bad behavior behind the wheel, make"},{"speaker":"John Farquhar, Gallager GGB","startTime":1516.568,"endTime":1520.898,"body":"a bad decision lack of training,"},{"speaker":"John Farquhar, Gallager GGB","startTime":1520.908,"endTime":1523.018,"body":"inexperience is huge right now."},{"speaker":"John Farquhar, Gallager GGB","startTime":1523.398,"endTime":1526.528,"body":"And it, before you know it you're now"},{"speaker":"John Farquhar, Gallager GGB","startTime":1523.398,"endTime":1526.528,"body":"seeing that you have to pay out this"},{"speaker":"John Farquhar, Gallager GGB","startTime":1526.528,"endTime":1531.168,"body":"large reward for something that you"},{"speaker":"John Farquhar, Gallager GGB","startTime":1526.528,"endTime":1531.168,"body":"thought, I didn't think it was that bad."},{"speaker":"John Farquhar, Gallager GGB","startTime":1531.353,"endTime":1534.493,"body":"But it's companies need"},{"speaker":"John Farquhar, Gallager GGB","startTime":1531.353,"endTime":1534.493,"body":"to really pay attention."},{"speaker":"John Farquhar, Gallager GGB","startTime":1534.493,"endTime":1536.833,"body":"And one of their biggest"},{"speaker":"John Farquhar, Gallager GGB","startTime":1534.493,"endTime":1536.833,"body":"things is their people."},{"speaker":"John Farquhar, Gallager GGB","startTime":1537.043,"endTime":1539.293,"body":"You need to pay attention to"},{"speaker":"John Farquhar, Gallager GGB","startTime":1537.043,"endTime":1539.293,"body":"your people, who you're hiring."},{"speaker":"Chris Harris, Safety Dawg","startTime":1542.013,"endTime":1544.663,"body":"You really"},{"speaker":"Chris Harris, Safety Dawg","startTime":1542.013,"endTime":1544.663,"body":"need to be training those people too."},{"speaker":"Chris Harris, Safety Dawg","startTime":1545.503,"endTime":1551.163,"body":"I'm involved in a court case right now"},{"speaker":"Chris Harris, Safety Dawg","startTime":1545.503,"endTime":1551.163,"body":"where the new hires, they both testified"},{"speaker":"Chris Harris, Safety Dawg","startTime":1551.663,"endTime":1555.353,"body":"that basically they were brought on"},{"speaker":"Chris Harris, Safety Dawg","startTime":1551.663,"endTime":1555.353,"body":"board and given the keys to the truck."},{"speaker":"Chris Harris, Safety Dawg","startTime":1557.293,"endTime":1560.163,"body":"I'm sure as an underwriter, that's"},{"speaker":"Chris Harris, Safety Dawg","startTime":1557.293,"endTime":1560.163,"body":"not what you wanted to hear."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1560.518,"endTime":1560.948,"body":"No."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1561.068,"endTime":1562.988,"body":"And that's why as an"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1561.068,"endTime":1562.988,"body":"underwriter it is important."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1563.048,"endTime":1568.858,"body":"And I do tend to ask Hey, is there"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1563.048,"endTime":1568.858,"body":"like a training procedure in place?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1568.858,"endTime":1570.258,"body":"Do you guys have that?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1570.418,"endTime":1571.768,"body":"Can you send me a copy?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1572.018,"endTime":1574.498,"body":"Just so I know how serious is this agency?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1574.548,"endTime":1578.978,"body":"Do they, is this just, I don't like to"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1574.548,"endTime":1578.978,"body":"say this, is this kind of a cash grab?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1578.978,"endTime":1582.128,"body":"Is, do you think it's just, it's just"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1578.978,"endTime":1582.128,"body":"so transactional for you that you're"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1582.128,"endTime":1583.628,"body":"just making money and not really?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1583.768,"endTime":1588.738,"body":"Doing your end of the, your part of"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1583.768,"endTime":1588.738,"body":"just making sure you're in compliance"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1588.738,"endTime":1592.858,"body":"and making sure everyone's safe"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1588.738,"endTime":1592.858,"body":"once again within the industry."},{"speaker":"Chris Harris, Safety Dawg","startTime":1593.938,"endTime":1596.058,"body":"Hey Cornell from Vivace."},{"speaker":"Chris Harris, Safety Dawg","startTime":1596.828,"endTime":1597.668,"body":"Wine thanks."},{"speaker":"Chris Harris, Safety Dawg","startTime":1597.768,"endTime":1601.188,"body":"I gotta, I live in southern Ontario."},{"speaker":"Chris Harris, Safety Dawg","startTime":1601.188,"endTime":1603.778,"body":"We're 30 minutes away."},{"speaker":"Chris Harris, Safety Dawg","startTime":1604.268,"endTime":1607.748,"body":"We have 120 or so wineries."},{"speaker":"Chris Harris, Safety Dawg","startTime":1608.248,"endTime":1611.378,"body":"A lot of people don't think of"},{"speaker":"Chris Harris, Safety Dawg","startTime":1608.248,"endTime":1611.378,"body":"Ontario as having a lot of wine."},{"speaker":"Chris Harris, Safety Dawg","startTime":1611.638,"endTime":1613.808,"body":"Think of California like where you are."},{"speaker":"Chris Harris, Safety Dawg","startTime":1613.938,"endTime":1618.558,"body":"But believe it or not, Ontario"},{"speaker":"Chris Harris, Safety Dawg","startTime":1613.938,"endTime":1618.558,"body":"has hundreds of wineries."},{"speaker":"Chris Harris, Safety Dawg","startTime":1618.858,"endTime":1621.308,"body":"And not 30 minutes away is the first one."},{"speaker":"Chris Harris, Safety Dawg","startTime":1621.728,"endTime":1624.348,"body":"And there's over, well over a hundred."},{"speaker":"Chris Harris, Safety Dawg","startTime":1624.633,"endTime":1628.628,"body":"Within a 40 minute drive of my"},{"speaker":"Chris Harris, Safety Dawg","startTime":1624.633,"endTime":1628.628,"body":"house of different wineries."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1628.628,"endTime":1631.923,"body":"So you've got some shipments of wine"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1631.923,"endTime":1633.993,"body":"then, every now and then, that you see?"},{"speaker":"Chris Harris, Safety Dawg","startTime":1634.433,"endTime":1635.063,"body":"Oh yeah."},{"speaker":"Chris Harris, Safety Dawg","startTime":1635.583,"endTime":1638.743,"body":"There are trucking companies"},{"speaker":"Chris Harris, Safety Dawg","startTime":1635.583,"endTime":1638.743,"body":"that do nothing but move wine."},{"speaker":"Chris Harris, Safety Dawg","startTime":1640.143,"endTime":1641.233,"body":"Because there's that many."},{"speaker":"Chris Harris, Safety Dawg","startTime":1641.573,"endTime":1646.063,"body":"And out near Johnny's place, John"},{"speaker":"Chris Harris, Safety Dawg","startTime":1641.573,"endTime":1646.063,"body":"lives an hour or so west of me."},{"speaker":"Chris Harris, Safety Dawg","startTime":1646.673,"endTime":1651.443,"body":"And there's a lot of wineries there on"},{"speaker":"Chris Harris, Safety Dawg","startTime":1646.673,"endTime":1651.443,"body":"the north shore of Lake Erie, right?"},{"speaker":"Chris Harris, Safety Dawg","startTime":1651.443,"endTime":1657.813,"body":"And of course, now we're way"},{"speaker":"Chris Harris, Safety Dawg","startTime":1651.443,"endTime":1657.813,"body":"off topic, but I love wine."},{"speaker":"Chris Harris, Safety Dawg","startTime":1658.363,"endTime":1663.183,"body":"But hey, I just want to say, Cordell,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1658.363,"endTime":1663.183,"body":"thanks for coming on to the show."},{"speaker":"Chris Harris, Safety Dawg","startTime":1663.463,"endTime":1664.353,"body":"It's been great."},{"speaker":"Chris Harris, Safety Dawg","startTime":1664.403,"endTime":1671.273,"body":"And again, for our viewers and listeners"},{"speaker":"Chris Harris, Safety Dawg","startTime":1664.403,"endTime":1671.273,"body":"Vivace, they are looking or writing ocean"},{"speaker":"Chris Harris, Safety Dawg","startTime":1671.273,"endTime":1674.413,"body":"transport, logistics, and transportation."},{"speaker":"Chris Harris, Safety Dawg","startTime":1674.413,"endTime":1676.153,"body":"Those are the three categories."},{"speaker":"Chris Harris, Safety Dawg","startTime":1676.558,"endTime":1682.988,"body":"That they're actively looking for"},{"speaker":"Chris Harris, Safety Dawg","startTime":1676.558,"endTime":1682.988,"body":"business, and Cordell's contact"},{"speaker":"Chris Harris, Safety Dawg","startTime":1682.988,"endTime":1684.898,"body":"info is down in the show notes."},{"speaker":"Chris Harris, Safety Dawg","startTime":1684.908,"endTime":1685.958,"body":"Reach out to Cordell."},{"speaker":"Chris Harris, Safety Dawg","startTime":1686.308,"endTime":1689.458,"body":"Hey, can you write Canadian,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1686.308,"endTime":1689.458,"body":"or is it strictly American?"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1690.403,"endTime":1692.493,"body":"No, we could write in Canada as well."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1692.813,"endTime":1696.363,"body":"Um, Canada is a strong"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1692.813,"endTime":1696.363,"body":"partner within the U."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1696.363,"endTime":1696.753,"body":"S."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1696.793,"endTime":1698.443,"body":"We work together as best as we can."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1698.973,"endTime":1701.863,"body":"And the FMCSA, includes Canada as well."},{"speaker":"Chris Harris, Safety Dawg","startTime":1702.193,"endTime":1702.453,"body":"Yep."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1703.233,"endTime":1706.043,"body":"In their guidelines and compliances."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1706.583,"endTime":1708.783,"body":"Yeah we include Canada as well."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1708.783,"endTime":1710.863,"body":"And I know Canada has their own bonds."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1710.863,"endTime":1710.913,"body":"Thanks."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1711.173,"endTime":1715.713,"body":"And that's something that we could help"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1711.173,"endTime":1715.713,"body":"educate our clients on obtaining as well."},{"speaker":"Chris Harris, Safety Dawg","startTime":1716.383,"endTime":1719.863,"body":"The majority"},{"speaker":"Chris Harris, Safety Dawg","startTime":1716.383,"endTime":1719.863,"body":"of our listeners and viewers are American."},{"speaker":"Chris Harris, Safety Dawg","startTime":1719.953,"endTime":1725.378,"body":"But we have a, it's about 30 to 40%"},{"speaker":"Chris Harris, Safety Dawg","startTime":1719.953,"endTime":1725.378,"body":"Of our viewers are Canadian as well,"},{"speaker":"Chris Harris, Safety Dawg","startTime":1725.378,"endTime":1728.888,"body":"so I just wanted to make sure the"},{"speaker":"Chris Harris, Safety Dawg","startTime":1725.378,"endTime":1728.888,"body":"Canadians knew that they could reach"},{"speaker":"Chris Harris, Safety Dawg","startTime":1728.888,"endTime":1734.988,"body":"out to Cardell as well to see if there's"},{"speaker":"Chris Harris, Safety Dawg","startTime":1728.888,"endTime":1734.988,"body":"any services that may be available."},{"speaker":"Chris Harris, Safety Dawg","startTime":1735.168,"endTime":1737.238,"body":"So thank you so much"},{"speaker":"Chris Harris, Safety Dawg","startTime":1735.168,"endTime":1737.238,"body":"for coming on the show."},{"speaker":"Chris Harris, Safety Dawg","startTime":1738.198,"endTime":1738.798,"body":"Yes, thank you."},{"speaker":"Chris Harris, Safety Dawg","startTime":1739.068,"endTime":1739.998,"body":"Tongue tied there."},{"speaker":"Chris Harris, Safety Dawg","startTime":1740.208,"endTime":1741.138,"body":"Thanks, Cardell."},{"speaker":"Chris Harris, Safety Dawg","startTime":1741.138,"endTime":1741.228,"body":"You're"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1742.228,"endTime":1742.648,"body":"welcome."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1742.648,"endTime":1745.288,"body":"Thank you so much for having me,"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1742.648,"endTime":1745.288,"body":"and I'm looking forward for the next"},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1745.288,"endTime":1747.028,"body":"one, hopefully in the near future."},{"speaker":"Cordell Fenig, Vivace Insurance Partners","startTime":1747.028,"endTime":1747.118,"body":"Cool."},{"speaker":"Chris Harris, Safety Dawg","startTime":1747.678,"endTime":1748.188,"body":"Perfect."}]}