Andy, Josh, and I discuss commercial truck driver pay, training, turnover, and costs. Truck driver pay, highest states, lowest states.Article #1: https://nstschool.com/blog/10-highest-truck-driver-salaries-by-state-in-2020Costs to hire a truck

Episode 31: We are making a shift!!!

Jun 17th, 2021 27m 9s

We are making our shift from just general insurance to transportation. We also introduce a new member to our team, Josh Tucker. We plan to touch on important stories and topics that we get involved in everyday. Here is our initial conversation.

Episode 30: COVID BI Judgement for Policyholder. Did that happen?

Jun 9th, 2021 29m 52s

Sorry for the abbreviated intro today!!! In this episode Andy and I go over the court case in PA where a tavern won a case against Erie. Insurance Exchange. Very weird facts. Article: Penn. Court Says Tavern Entitled to Business Income Coverage

Episode 28: Legislature wants driver monitoring and the avoidable $2.7 million GEICO loss

May 12th, 2021 29m 11s

In this episode Any and I explore the amazing story of how GEICO got pulled into paying a $2.7 million claim, when it was originally asked to pay $30,000. We also explore another article on driver motoring which is short but interesting. Check

Episode 23: The Pro Act.... Welcome to Gov't Controlled Business

Apr 14th, 2021 53m 40s

In this episode we discuss only one story, the National Law Review's article which spells out the ten elements of The Pro Act. A legislative piece of work. If you are not familiar with this Act, take notice now, because it could transform our c

Episode 23: COVID Biz Interruption and Uber Drivers. It Never Ends

Feb 5th, 2021 39m 46s

In this episode we discuss two Insurance Journal articles. The first article discusses the NY state supreme court decision against Uber. The second article is about a reinsurance perspective on COVID losses and reserving.Article 1:https://www.i

Episode 22: London BI Pressure, the Quasi Catastrophe Interview, and 3 QBs

Jan 27th, 2021 32m 21s

In this latest episode Andy and I tackle a few topics, that continue too relevant. Property exposures and the losses from a pandemic migrate the discussion to London. We then dig into what could be an interview piece with AON on catastrophes, a

Episode 21: Insurance Scoring, Your Credit, and Why It Matters To You

Jan 13th, 2021 35m 39s

In this episode Andy and I dive into the use of insurance scores in the rating of personal auto & homeowners policies. Proposed legislation is being introduced again in 2021 to ban the use of credit in insurance rating.Article #1https://www.iii

Episode 19: Changes Coming To Lloyds & COVID Lawsuits

Dec 28th, 2020 37m 40s

In this episode, Hear Me out's Andy Engardio and Kevin Rettberg discuss two stories that continue our previous conversations. The first article comes from Bloomburg.com, covering the upcoming changes to Lloyds, mainly not insuring fossil fuels

Episode 18: COVID, and the ramifications of the GIG Economy on worker status

Nov 23rd, 2020 28m 43s

In this episode Andy I dive back into the gig economy and the ramifications of Proposition 22 in CA, as well as the fight for contractor status across the USA. We also dive in GM's decision to get back into offering insurance. Two good stories!

Episode 16: More COVID business income and a captive story

Nov 6th, 2020 34m 23s

In this episode we talk about a topic we continue to deal with: COVID-19. This story we discuss the continued litigation regarding damage from the pandemic. We also get into a commercial auto captive in Vermont that went under due to weird and

Episode 15: More Cyber and Business Income Issues

Oct 14th, 2020 32m 34s

In this episode we discuss two articles on topics we continue to see in the industry: cyber liability and business income lawsuits from COVID-19.Business Interruption Lawsuit Updates:https://www.insurancejournal.com/news/national/2020/10/05/585

Episode 14: A dive into D&O liability, market conditions, and the impact of Coronavirus.

Sep 4th, 2020 36m 2s

In this episode we take a look into Directors and Officers Liability coverage. We discuss the current market condition, the hardening of rates and coverage, as well as the impact of the coronavirus. Articles:Insurance Business America https://w

Episode 12: Reinsurance, Social Inflation, and COVID-19 Impact

Jul 28th, 2020 31m 10s

In this episode we discuss two stories, the first regarding top reinsurance executives discussing the impact social inflation is having on insurance industry. We then dive into our second story on Swiss Re thoughts on the impact of COVID-19.1.

Episode 11: COVID claims, lawsuits, and the start of class action status

Jul 15th, 2020 30m 32s

In this episode we discuss the ongoing business interruption claims and lawsuits that are being started. We specifically hit one 2 articles based on Michigan actions. We theorize the rationale for some actions, as well as explain why some suits

Episode 10: Social Inflation

Jul 15th, 2020 41m 2s

In our first double digit episode we discuss the concept of social inflation. What it might be, our definition, and stories that involve this topic.ArticlesDefine or qualify ‘Social inflation.’ Story #1- impact on insurance via Acadia Insurance

Episode #9- Tesla and the disappearing D&O coverage, and other stories

Jul 6th, 2020 43m 50s

In this episode we take a dive into the story that Elon Musk decided against renewing Tesla's D&O insurance policy, only to provide coverage himself. We then hit on two other stories; Commercial auto losses, and MLB suing for business income.Te

Episode 8: The never ending fight over business interruption coverage

Jun 17th, 2020 42m 6s

In this episode we discuss the concepts of indemnity and betterment, as well as the differences between them using examples. We then discuss two articles:1. IL regulators forcing BI payments: https://www.insurancejournal.com/blogs/big-i-insight

Episode 7: Is the Twitter Trump duel a blow to liability insurance, or was that click bait?

Jun 10th, 2020 27m 32s

In this episode we discuss two stories. The first is the feud between POTUS and Twitter. We also discuss the Lemonade IPO that is about to take place. Articles:1. Business Insurance article -Twitter Trump https://www.businessinsurance.com/artic

Episode 6: Coverage for vandalism in a time of unrest.

Jun 10th, 2020 6m 13s

In this episode we get into various topics relating to insurance; most notably, issues surrounding coverage for vandalism, riots, and more.

Episode 5: We swerve from Auto Accidents to Warren Buffet to TRIA/PRIA

May 26th, 2020 35m 31s

In today's episode we discuss the uptick in highway fatalities. We then dive into why insurance is not the end all for your company in a crisis. We pivot to the question: Is Warren Buffet listening to our podcast? Is there a new federal program

Episode 4: Cyber Liability - A COVID-19 Update

May 18th, 2020 31m 47s

In this episode we break down some of the recent developments in cyber crime, stats, and stories. Andy kicks it off discussing crime types, followed by Gallop and SlackHQ polling on the 'work from home' workforce. Kevin dives in FBI stats, as w

Episode #3- Ecomonic impact of COVID-19 in America

May 15th, 2020 39m 52s

In this episode we discuss some of the economic statistics that could be related to COVID-19, such as Unemployment, bankruptcies, retail revenues, and more. Here are the sources of our data:1. https://usafacts.org/articles/covid-19-impact-econo

Episode #2- The Pandemic of Business Interruption Insurance

Mar 30th, 2020 30m 35s

In this episode we discuss the main insurance talking point of COVID-19, Business Interruption insurance. We dive into the history of business interruption insurance coverage, as well as recent applications in Ebola breakout of 2014. Finally, u

Coronavirus- The basics and some insurance talk.

Mar 22nd, 2020 40m 19s

In this episode of Hear Me Out, Kevin and Andy discuss what they have learned about the Coronavirus as of 3/22/20. With all of the noise that exists out there, it seems like people might want to know the basics, from a regular person perspectiv

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