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Apple Podcasts Rate and Review for SpotOn Manuel San Miguel is the Co-Founder and CEO of Ignatica, a core insurance platform that aims to help insurers grow their markets, boost profits, and digitally serve consumers. Their goal is to help their clients penetrate new markets in a more seamless manner - despite different or heavy regulatory systems. As CEO, Manuel is skilled in software development, digital strategy, and risk management. Before founding Ignatica in January 2019, he worked with Manulife for over nine years as Chief of Technology, Architecture, and Digital Engineering. Manuel joins us to share how Ignatica seeks to address the problem of digital transition in the industry. He discusses how their company makes use of AI and Blockchain to create a fully digitized insurance platform. He describes how his passion for martial arts influenced the path he took professionally and explains what digital transformation really means for a consumer. Manuel also shares why legacy thinking should be obsoleted in an ever-changing market and his insight on what insurance professionals should learn from the 2020 coronavirus pandemic.  "Life has a way of happening and doors have a way of opening." - Manuel San Miguel Today on Spot On Insurance: The goal of Ignatica and the gaps it seeks to fill in the financial industry. How they incorporate AI and Blockchain technology. Why Manuel set his sights on the Asian market. How martial arts influenced Manuel's professional career. What Manuel noticed with distribution platforms and digitization. The definition of digital transformation from a consumer perspective. What 2020 has taught the insurance industry. Why legacy thinking is no longer applicable today. The difference between the way the Asian and US markets are handling digitization. Key Takeaways: ‘Digital’ is not just “I was able to do something online.” Many startups in developing countries have great ideas, but are hampered by overhead cost. Relying on legacy systems should no longer be a focus in a world where disruptions can happen at any moment. Connect with Manuel San Miguel: Ignatica LinkedIn Email: info@ignatica.io This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn Tim Christ is the Vice President of Growth at Claimatic, a SaaS insurance claims app that streamlines claims distribution in real-time through proprietary algorithms. Claimatic provides claim assignment services, end-user empowered rules optimization, advanced mapping, and workforce management among other services. He has over 20 years of experience in executive leadership, management consulting, and business development roles. Tim is also the author of Outgrowing QuickBooks, where he discusses how business owners can redesign and re-engineer their small business into a medium-sized business. Tim joins us to discuss the problems Claimatic intends to solve with their advanced algorithms and data-driven streamlining platform. He describes how a small business can scale without losing efficiency or money. He explains the difference in management between a small and medium-sized company. Tim also shares how the pandemic of 2020 has altered the way claims are processed and discusses the risks of relying on spreadsheets to track your finances.       "Your business is part of the reflection of what you feel is your self-worth." - Tim Christ Today on Spot On Insurance: Tim's opinions on the average American's financial status. The problems Claimatic wants to solve and how they plan to solve them. When you should let your team manage your business for you. Why we should learn how to manage our pennies. How to avoid business inefficiency as you scale. What can happen to your business if you don't have a strategic plan. Internal controls and why small businesses don't have them. How hiring a CFO can benefit a growing business. Why Tim doesn't believe the claims industry has a talent gap. How the pandemic has changed the process for claims. Solving the reassignments problem and its immediate effects on a business' finances. Why businesses should stop relying on spreadsheets. Key Takeaways: 2%-7% of a business's money is often wasted on process inefficiencies annually. 90% of small businesses don't have a strategic plan annually that's written on paper. Resources Mentioned: The Great Game of Business, Expanded and Updated: The Only Sensible Way to Run a Company Connect with Tim Christ: Claimatic LinkedIn Email: tchrist@claimatic.com Phone: (210) 632-4571 Outgrowing QuickBooks: Engineering Real Profit (ERP) in Companies with $10 Million-$50 Million Annual Revenue This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn Will Marzolf is the Founder of Grafico Analytics, an insurtech company that aims to innovate the way insurance companies visualize, communicate, and compare their various insurance and reinsurance programs. They created a restructuring platform that allows clients to visualize what their insurance product looks like to understand them better. Will’s entrepreneurial spirit also led him to complete more than 30 different courses such as behavioral finance, business statistics, algorithm development, and corporate finance.  Will joins us to share why the industry needs to revamp the way it presents insurance products to clients and how Grafico can help them do it seamlessly and instantly. He describes what it was like starting this company amidst the pandemic and the tools he used to get his company going. He explains why he pursued a career in reinsurance despite it being such a niche market, how clients can use their platform, and what they can expect to find. Will also shares what keeps him motivated despite the tumultuous time we’re currently experiencing. "We can use financial products to save our society or protect it in the event that Mother Nature is causing a catastrophic event to occur." - Will Marzolf Today on Spot On Insurance: Who Will Marzolf is and why he chose a career in reinsurance. How the pandemic may alter the way insurance covers financial risk. The terms and lingo used in reinsurance compared to other industries. Why Will created Grafico and the problems they want to address. How Grafico helps visualize data and insurance products. Future projects to watch for. Why they suggest taking their training services to use their platform. Languages and computer languages - and how to be good in both. What it was like starting a company in the middle of a pandemic. What keeps Will motivated during these hard times? Key Takeaways: Ease of use is one of the most important factors when it comes to online platforms. Insurance companies are now looking into coverage for events like a pandemic. Connect with Will Marzolf: Grafico Analytics LinkedIn Company Email: contact@graficoanalytics.com Personal Email: will.marzolf@graficoanalytics.com This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn Natalie Siston is an inspirational speaker, leadership coach, and author of Let Her Out, a book that introduces the story of her life, journey, and the moments that inspired her to become a coach. Natalie’s unique style of coaching stems from her experience growing up in a town of 600 people, where everyone knew each other by name and helped each other in life. When she’s not coaching, she also teaches and mentors at The Ohio State University, her two-time alma mater. Natalie joins us to discuss her coaching experience and what sets her apart from other coaches in the industry. She describes the events that led her to insurance and what it was like quitting a stable job in the middle of a pandemic to focus on entrepreneurship. She explains what readers can expect from her book and its contents. Natalie also shares advice for those who want to test the deep waters of entrepreneurship in 2021. "Who quits her job in the middle of a pandemic? Someone whose dreams are bigger than her fears." - Natalie Siston Today on Spot On Insurance: Natalie's childhood dreams and why she wanted to be in politics. What inspired Natalie to join the insurance industry? How Natalie decided to leave her 9-5 to become an entrepreneur in 2020. The classes aspiring entrepreneurs can take now to help propel their career in 2021. Defining your role in the company and the role for yourself. What red barns symbolize, her memories of them, and why she used them in her book. What she offers clients as a coach and what readers can learn from her book. How Natalie presented her own keynote and why she turned it into a book. Key Takeaways: Coaches need coaches too. Even a small role in a company can have a big impact on its growth. Connect with Natalie Siston: Small Town Leadership Let Her Out Instagram LinkedIn Facebook This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn Adedamola “Damola” Oloko is the co-host of the InsurTech Business Series podcast, the leading insurance podcast in Nigeria where they have in-depth discussion and reviews about trends, opportunities, and industry challenges. He holds a Masters degree in Mass Communications with over five years of sales experience in the insurance industry. Damola’s passion for tech and insurance has made him develop an innovative mindset that ultimately led to him starting the podcast following insurtech trends. Damola joins us to discuss the potential market in Africa and how large companies can penetrate their economy. He describes what a typical Millennial African’s life is like and their mindset towards adaptability and technology. He shares where he discovered his passion to work in insurance and how Spot On Insurance inspired him to start his own podcast. He explains what audiences can expect from their upcoming InsurTech Business Series event. Damola also describes how he manages to see the silver linings despite all that happened this year. “Insurance should be taught as a subject, not as a topic under another subject.” - Damola Oloko Today on Spot On Insurance: How Damola learned about the Spot on Insurance podcast. What it's like being a Millennial in Africa. How Damola found himself working in the insurance industry. The insurtech trends in the African market. How companies can penetrate the African market better. How the typical African looks at retirement and insurance. Why Damola started his insurtech podcast and the knowledge gap he wants to fill. What to expect from the Insurtech Business Series conference. How Damola has been keeping himself optimistic in 2020. Key Takeaways: Generally, the penetration of insurance in Africa is just 3%. Companies should engage in conversations with those who follow them. Succession planning is still too early for the African market. Connect with Damola Oloko: InsurTech Business Series podcast LinkedIn This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn Brian Ahearn is a coach, consultant, keynote speaker, and the Chief Influence Officer of InfluencePEOPLE, a company that teaches businesses and corporate executives how to boost sales through the art and science of persuasion. He is one of only 20 people all over the world who holds the prestigious Cialdini Method Certified Trainer (CMCT) designation. Brian is also the author of Influence PEOPLE: Powerful Everyday Opportunities to Persuade that are Lasting and Ethical, a book that helps readers understand how to ethically influence others.  Brian joins us today to discuss the art and science of persuasion, his definition of ethical influence, and how to relate to your customers better. He shares his experience with traveling across the US during his childhood, his passion for fitness, and how he ultimately realized he fulfilled his youthful dreams of owning his own gym. He explains why many people view the concept of “influencing others’ as a negative connotation and describes the key differences between influencing and manipulating. Brian also explains how he has adjusted his business strategy and methods to be as virtual as possible, while also improving the learning experience for his audience. "Selling is the process of persuading a person." - Brian Ahearn Today on Spot On Insurance: Defining what ethical influence is and how to make it effective. Why "influencing others" has gathered a negative connotation. The difference between influencing and manipulating. The people who inspired Brian to drive his career forward. How seeing a simple sticky note can make you want to reciprocate quickly. How Brian adjusted his business to the pandemic. Brian's advice on how to get people to like you and say yes to you. What reciprocity is and how it changes depending on the positivity or negativity of the response. How Brian prepares for 2021 and what he learned in 2020. Key Takeaways: Get a plan, work it consistently, and good things happen. Social media should be social and treated as a way to have a little bit of back and forth. Building rapport is still the best way to convince someone to say yes to your proposal. Connect with Brian Ahearn: InfluencePEOPLE LinkedIn Influence PEOPLE: Powerful Everyday Opportunities to Persuade that are Lasting and Ethical This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn Wade Millward is the Founder of rikor, a next-generation digital insurtech company that integrates insurance requirements directly to their platform to offer real-time insurance policy monitoring services. His goal in founding the company was to simply reduce the risk for franchisors through instant insurance verification. He believes certificates of insurance are risky, can be easily manipulated, and offer zero security for the franchisor, and decided to design a system that helps bypass all of these problems. Wade also represents Millward Agency, an insurance company started by his grandfather and is currently led by his father. Wade joins us today to share how rikor helps mitigate risks with the use of real-time technology and other innovations. He shares his experience with serving in an LDS mission, the lessons he learned from that experience, and the idea that led to founding his company. He discusses the security problems associated with certificates of insurance and why he believes these certificates are practically useless. He explains why he started the company amidst the pandemic and how you can be a good leader in a tumultuous time. Wade also describes his thoughts on technology in the industry, especially with how it manages risk. "One of the most important things in leading a team is empowering people to make mistakes for the pursuit of innovation." - Wade Millward Today on Spot On Insurance: Wade’s time serving in an LDS mission and the culture and lessons he learned. Why we constantly compare ourselves to other people. How Wade found himself joining the insurance industry. Why Wade believes launching a business in the middle of a pandemic was the best decision he has made. How to focus on long term objectives over short term distractions. How rikor helps reassure procedural transparency. Why the certificate of insurance is a false sense of security. Wade's thoughts on technology and how it's changing the way we finance and manage risk. What it means to think beyond the box and how we can connect different boxes. How to lead a team going into 2021. Key Takeaways: The hardest thing about starting a company is making a name. Don’t let a pandemic stop you from making your dreams a reality. When we put people in boxes, they stop thinking. Connect with Wade Millward: rikor LinkedIn Email: wade@rikor.io  This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

  Apple Podcasts Rate and Review for SpotOn Alan Ringvald is the CEO of Relativity6, a machine learning platform that lets agencies predict customer behavior accurately. They are also an insurtech company that believes agencies can never be replaced by chatbots. Alan founded the company based on his and his co-founders' graduate thesis research at MIT. Their goal is to provide clients with a comprehensive AI-backed system that lets companies know what their customers need from them. Alan joins us to share the idea that Relativity6 represents and what motivated him to pursue this type of business. He discusses the power of AI, the current applications of machine learning, and why some companies can’t fit AI learning systems into their business. He explains the reasons he named it Relativity6 and shares his entrepreneurial journey and how MIT helped him get a good start on his business. Alan also describes the technologies that can shake up the insurance industry and how augmented reality and VR can impact the podcasting industry. "If you’re not really understanding a lot about your customer, you’ll never be able to grow that customer.." - Alan Ringvald Today on Spot On Insurance: Alan's connection with the New England Patriots. Being the son of immigrants and growing up not having English as the first language. The company Alan started in college and what inspired him. The name behind Relativity 6 and the services they offer. How having an MIT email helped him gather data for his company. Alan's transition from retail to insurance. Why machine learning doesn't work with every company. The kind of technology that can change the industry forever. How augmented reality and virtual reality can change how virtual conferences are set up. Key Takeaways: Machine learning gets better over time. It calibrates from its mistakes, making it a self-improving system. AR and VR can let people do their virtual conferences anywhere in the world or outside of it. Connect with Alan Ringvald: Relativity6 Email: alan@relativity6.com This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn Eric Ummel is the General Manager of Mobilitas Insurance, a recently launched insurance company that aims to adapt to the emerging needs of the ridesharing economy. Their services include an app that allows users to manage their policies easily, an emergency help hotline, as well as other unique privileges for their partners. As General Manager, Eric’s responsible for overseeing mutually beneficial partnerships that will translate to better overall coverage and customer service. Eric joins us to share what Mobilitas Insurance represents, their products and services, and what sets them apart from traditional auto insurance companies. He describes how he joined the insurance industry and his role as General Manager. He explains how insurance is an industry that allows innovation to foster in any country. Eric also discusses what he expects to see in the industry in the near future. "Insurance allows innovation in a broader economy." - Eric Ummel Today on Spot On Insurance: Eric's thoughts on sports and the physical aspect of it. How Eric found his way in insurance and why he stayed. The problem their company solves and how they are different from their competition. How their company applies creativity and innovation in the insurance industry. What the true consumer expectation is with every insurance company. The business growth opportunities in the industry that Eric expects to see. How the driver insurance rates are determined. Key Takeaways: Insurance promotes tech and service innovations. At the end of the day, consumers just want their claims as fast as possible. Insurance education can lead to safer driving habits. Connect with Eric Ummel: Mobilitas Insurance Facebook Instagram Twitter LinkedIn This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn David Wald is the CEO and Co-Founder of Aclaimant, an InsurTech company that provides risk management services. They cater to commercial construction, industrial staffing, real estate, and hospitality industries. As CEO, his responsibilities include spearheading the company’s focus on emerging risks, especially those that came to light with the pandemic of 2020. David strives to fully digitize any company’s entire risk management processes, citing how many new businesses are tackling AI, machine learning, drones, and IOT.  David joins us to discuss how Aclaimant can help clients visualize their company’s risk management data into a single platform. He shares his journey to realizing he wanted to be his own boss and how he stumbled onto the world of insurance. He explains the risks that have revealed themselves in light of COVID-19 and how businesses are all trying to make their workplaces safe for their employees. David also describes what he thinks the future of risk management will be and what newcomers to the industry should do to find success. "The more different ways you can help people think about the things they can do to get better without being overwhelming, the better off they’ll be." - David Wald Today on Spot On Insurance: How David discovered he wanted to become an entrepreneur. How David stumbled into the insurance industry? The inspiration behind their company and the services they offer. What it means for a company to have a risk-intelligent culture. How David's business supports organizations in creating a risk-intelligent culture. The measures businesses can implement to gain their employees' trust to come back to work again. What the Covid-19 pandemic has taught businesses and employees. The future of risk management and how insurtech can innovate towards it. Key Takeaways: Tools should be used to help make good things better instead of preventing bad things from getting worse. Data, as it relays more input and predictability, is the future of risk management. Connect with David Wald: Aclaimant LinkedIn Email: david@aclaimant.com This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn Kate Erickson is a Creator, Engager, and implementer at Entrepreneurs on Fire, an award-winning podcast that interviews inspiring entrepreneurs with a purpose of helping listeners along their entrepreneurial journey. Their company also offers podcasting services and provides online training courses as well as a few freebies to help new members get started. Kate also hosts the DItch Busy podcast, dedicated to helping listeners with their time management skills. Kate joins us to discuss how exciting the podcast industry is and what newcomers should consider before getting started. She describes how she discovered a career as a podcast host and what it was like after she left the corporate world. She explains what her podcast setup looks like and why she barely changed it over the years in this industry. Kate also explains how their group, Podcasters Paradise, can help both seasoned and new podcasters grow their shows and shares with actionable tips for those who want to start their own podcast today. "Starting a podcast does not have to be difficult." - Kate Erickson Today on Spot On Insurance: The fears Kate had when leaving the corporate world to dive into entrepreneurship. Why podcasting is growing at such a rapid rate. Debunking the myths regarding starting a podcast. Why being consistent can translate to more clicks and listening time. Investing on a podcast and how you can generate revenue. What we enjoy about hosting a podcast. What people should expect if they want to start a podcast. Examples of unique podcasters. Podcasters Paradise and the support their company provides. Types of podcasts that may get a lot of attention today. Key Takeaways: Starting your own podcast doesn’t have to involve spending money on high-end equipment. Being a niche show in this industry will separate you from those that try to be everything. Podcasting will introduce you to so many people which you can learn from beyond hosting podcasts. Connect with Kate Erickson: Entrepreneurs on Fire Podcasters on Fire Ditch Busy podcast The Podcast Journal Free Podcast Course LinkedIn This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn JoAnn Del Gatto is the Vice President of Education and Compliance at The Surplus Lines Association of California, and Joyce King is ILSA’s Special Project Administrator. Joyce King has worked with ILSA since 2005, specializing in surplus lines tax filing requirements. JoAnn also serves as a Regulatory Risk and Compliance Consultant with Custom Compliance Solutions, a company based in the Greater New York City region, helping businesses with everything from reporting and filing services and identifying automation opportunities to developing best practices and mergers and acquisitions. Joyce and JoAnn join us again today to share how you can properly vet your staff to determine if they are a good fit to be part of your organization. They discuss the questions you should ask during the interview, some of the notable traits to watch for on their first day, and how you can help them with the onboarding process. Joyce explains how ILSA handles the onboarding process and JoAnn discusses the importance of knowing the money expected by the applicant. They also share advice for professionals on what they can do to have an edge this year. "Make sure you are on the same page with salary. If you're not, it's probably not going to be a good fit." - JoAnn Del Gatto Today on Spot On Insurance: Why they incorporated a culture of fitness into their work setting. The projects ILSA has been busy with this year. Their qualifications and how they interview for staff and management positions. What JoAnn believes interviewers should have prepared before interviewing applicants. The onboarding process at ILSA and the ILSA Bootcamp. JoAnn's formula for bringing in a new member who may be familiar with how the company runs. Why note-taking can determine if a newcomer will last in the company. The growth programs companies can offer employees to retain them. Companies that are bolstering their focus on having a diverse organization. JoAnn’s and Joyce's advice for professionals who want to improve their skills before the year ends. Key Takeaways: Networking will be the best thing you can do before the year ends. For the beginning of the year in surplus lines, get ready. Because that's when all those reports are due. For new hires, note-taking can be the difference between becoming a regular and being sent home. Connect with Joyce King: ILSA LinkedIn Email: j.king@ilsainc.com (254) 729-6127 Connect with Jo Ann Del Gatto: The Surplus Line Association of California LinkedIn Email: jdelgatto@slacal.org This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn Joyce King is ILSA’s Special Project Administrator, and Jo Ann Del Gatto is the Vice President of Education and Compliance at The Surplus Lines Association of California. Joyce has been with ILSA since 2005 and specializes in surplus lines tax filing requirements. Jo Ann is described as someone who is solutions-focused, an expert in strategic planning, and comes with plenty of experience in regulatory risks and compliance standards in both financial and insurance industries.  Joyce and Jo Ann join us today to discuss the guidelines businesses and agencies need to know before they consider an acquisition. They discuss the compliance and regulations that govern acquisitions as well as how penalties differ by state. They explain the importance of performing a compliance review before buying another agency, and why buyers will also inherit the administrative actions. Joyce and Jo Ann also share some of the more uplifting news they realized for the industry despite the effects of the COVID-19 pandemic. "Every acquisition is a little bit different than the one before." - Jo Ann Del Gatto Today on Spot On Insurance: Jo Ann's childhood and how we met her. Why Jo Ann believes the insurance industry is much more stable than other industries. What an affiliation is and how it relates to insurance producers. The complexities of acquisitions, licenses, and what you should consider as a business entity. Administrative actions and what the acquiring company should be watching for. How the compliance review program began for ILSA. What you can expect from our compliance courses. The most uplifting things to note in the industry in light of 2020. Key Takeaways: It's imperative to have an acquisition checklist. Always perform a compliance review prior to putting your agency on the market and before buying another agency. Connect with Joyce King: ILSA LinkedIn Email: j.king@ilsainc.com (254) 729-8002 Connect with Jo Ann Del Gatto: The Surplus Line Association of California LinkedIn Email: jdelgatto@slacal.org This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn Lorene Phillips is the Founder of Clarendon Wallace, a professional coaching service equipped with services for soft skill training for high performing professionals. She is an experienced Executive Coach with a long history of working in the insurance industry in Bermuda, London, and the United States. On top of leadership coaching, their company also provides etiquette coaching as well as stress management. Lorene is also a finance professional, having earned a BA in Economics from Acadia University. Lorene joins us to discuss the importance of having a strong network of mentors as well as peers who can learn from you. She shares the challenges she encountered on her way to the top and the way she perceived these hurdles. She explains the origin story of Clarendon Wallace and the gap they intend to fill in the corporate world. She discusses the idea of being a Learn-It-All as opposed to being a Know-It-All. Lorene also describes how newcomers in the industry can jumpstart their careers through mentorship and networking. "Build your network. Build it strategically, build it wide, and build it deep." - Lorene Phillips Today on Spot On Insurance: The three types of challenges Lorene dealt with in her professional career. How Lorene viewed the challenges she faced in the industry. The economical effects the pandemic has had on Bermuda. What inspired Lorene to join the insurance industry. Why Lorene started Clarendon Wallace and how she came up with the name. How their company's programs help those who feel burned out or stuck in their careers. Why coaching lets you talk about the important things in your life. What it means to be a learn-it-all and how it relates to networking. The importance of finding the right mentors and becoming a mentor to others. Key Takeaways: Coaching allows you to put aside time to create a lifeline for yourself. Setting aside time for your personal growth is important to help you take your career a step further. Connect with Lorene Phillips: Clarendon Wallace LinkedIn This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn Tripp Wagner is the Director of Fire Forensics at Jensen Hughes, a company that provides safety, security, and risk-based consulting and engineering. He has over 16 years of experience in explosion and fire forensic investigations. Some of the duties he’s had with the company include investigation and analysis to pinpoint origin and cause of fire accidents and the technicalities in-between. Before becoming part of Jensen Hughes, Tripp spent 11 years as Deputy Fire Marshall of the State of Delaware. Tripp joins us today to discuss why he’s always wanted a career involving fire and where his passion for the industry came from. He explains what Jensen Hughes does and how they investigate scenes and provide evidence in court. He shares how the pandemic has affected their response rate, especially with regards to fire accidents that happen inside people’s homes or apartments. He describes how 3D printing and virtual visits enabled them to work better despite the pandemic. Tripp also describes the kind of tech he wants to see built specifically for forensic engineering. "PPE in our world before COVID was designed to protect us. Now, we’re like everybody else: PPE is designed to protect each other." - Tripp Wagner Today on Spot On Insurance: The services Tripp's company offers regarding insurance and what they cover. When Tripp found his passion involved the fire industry. Common compounds that cause explosions and fires and how they influenced usage regulations. Why it can be tricky to determine whether a fire claim is legitimate. How the pandemic has affected the way they conduct on-site work. The social changes Tripp expects to see post COVID-19. Court procedures now in the time of the pandemic. Why taking a video of a scene can be tricky, especially during a trial. How 3D scanners have aided forensic engineering investigations. The kind of tech Tripp wants to see in their industry in the next few years. Key Takeaways: The most disruptive thing the pandemic has done is delay every process in any job. We will be more efficient as the year goes by, but we will not be going back to the days before. Resources Mentioned: Matterport Connect with Tripp Wagner: Jensen Hughes Email: twagner@jensenhughes.com Tripp Wagner on LinkedIn This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn Caroline Thompson is the Head of Underwriting at Cowbell Cyber, an AI-powered cyber security insurance for small and medium businesses. The company provides 24/7 risk analysis, individual coverage level, and underwriting services done in minutes. Beyond her position at Cowbell Cyber, Caroline is also one of the main authors of their company’s blogs. She covers topics on new state laws and regulations and the different coverages their company offers. Caroline joins us to share how Cowbell Cyber works to determine a company’s risk for cyber attacks before it even happens. She describes how she wound up working in New York and explains the concept of microinsurance. She explains why cybersecurity policies are almost constantly updating and how their company leverages the Dark Web for possible attacks and risks. She shares what Silent Cyber Risks and Standalone Insurance mean in the context of a cybersecurity risk management company. Caroline also discusses what their company often recommends to improve the cybersecurity of their clients. "A lot of packaged policies end up covering a little bit of cyber - but not the entire extent." - Caroline Thompson Today on Spot On Insurance: Caroline's work experience in New York and why she felt at home. What microinsurance is and why Caroline made a senior thesis based on that topic. The life decisions Caroline would have made differently in hindsight. The best time to step away from a good, but stressful job. The reason behind the company being named Cowbell. The newer types of cyber attacks and how the insurance industry keeps up. When insurers have to pay for claims for cyber losses for policies not designed for them. Defining Silent Cyber Risks and Standalone Insurance. Why companies should always opt for a standalone insurance for cyber security. The changes Caroline sees in the industry regarding how they guard against cyber risks. The security recommendations Caroline and their company provide to clients. Key Takeaways: If it's been six months and you've been unhappy with whatever it is you're doing, it's time to change. A standalone insurance is ideal for covering all forms of cyber losses. Customers need standalone insurance in order to clarify everything. Connect with Caroline Thompson: Cowbell Cyber Cowbell Cyber on LinkedIn Cowbell Cyber on Facebook Cowbell Cyber on Twitter Caroline Thompson on LinkedIn This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn Margaret Spence is the Founder and CEO of C. Douglas & Associates, a risk management company that provides affordable injury management solutions and services to clients struggling with complex claims management. Some of the claims they handle include HR Compliance, Disability Management, Workers Compensation, and OSHA Compliance. Margaret is also the founder of The Employee to CEO Project, a coaching company that caters to women who want to advance their careers to C-Suite roles. Margaret is the author of the book Leadership Self-Transformation: 52 Career-Defining Questions Every High-Achieving Woman Must Answer, a career management model for women who aspire for higher positions in any industry. Margaret joins us today to share what inspired her passion for risk management and her thoughts on the female role in today’s corporate America. She describes her childhood experience while growing up in the Bronx, what it was like to move to Jamaica as a high school student, and why she returned to the US for higher education. She describes what her day-to-day was like when she ran her company while still being an employee. Margaret also discusses what her company can do for organizations that have complex risk management problems and shares how the pandemic has made their job more relevant. "Learn everything. Don't get caught up in the job title; get caught up in the skills." - Margaret Spence Today on Spot On Insurance: Margaret's childhood experience in the Bronx and the different schools she went to. How the pandemic affected Margaret's personal life and her business. Margaret's time in Jamaica as a student and why she returned to the US. The various skills Margaret garnered throughout her career in the insurance industry. How Margaret started and ran her company while she was still employed. The wisdom Margaret received from working with different brokers. Winning clients by providing services in the form of professional advice. Mitigating the company's risks starting with the time someone is hired. The services and functions their company offers the industry. How they help hospital systems retool and reinvent their workers’ compensation program. How obese patients cause injuries to hospital workers within their stay. The difference between ‘the human’ and ‘the risk’ part of risk management. How the pandemic enabled C. Douglas & Associatesto promote TeleMed better. Key Takeaways: You don’t always have to use data efficiently, but you always have to have it regardless. Don’t get blinded by what your job title says and focus more on what you can learn from your responsibilities. You have to look at both the human and risk parts of risk management. Connect with Margaret Spence: C.Douglas & Associates WorkComp Seminars Employee To CEO Project Book: Leadership Self-Transformation: 52 Career-Defining Questions Every High-Achieving Woman Must Answer Book: From Workers' Comp Claimant to Valued Employee - Employers' Guide to Implementing a Proactive Return to Work Program Twitter LinkedIn This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!

Apple Podcasts Rate and Review for SpotOn Gregory Offner Jr. is a public speaker, career development coach, and expert content marketer. He regularly held public speaking and coaching events in front of professionals and students until the pandemic hit this year. He then took on the mantle of a Virtual Event Emcee, a position born out of the need to present to an audience in this time of uncertainty. Greg is also fond of music, citing his love for the piano and performing in front of an audience as a stepping stone to where he is today. Greg joins us today to share how he turned his passion for music into a professional speaking career. He describes his childhood, how recession affected the way he was schooled, and how music kept him going as a professional. He discusses the time he was told he would lose his voice, the anxiety of losing one of his motivators in life, and his realization when he was unable to speak for long periods during treatment. He explains how disruptions happen and why companies are either disrupting or being disrupted. Greg also describes why companies, like people, are always changing and never in maintenance mode. "You can either choose to disrupt or be disrupted, but there is no ‘maintain.’ No company is ever in maintenance mode." - Gregory Offner Today on Spot On Insurance: Gregory’s passion for music. Greg's reflections on the moment the doctor told him he would lose his voice. Greg's life as a pianist and his experience performing in front of people. How Greg's predicament with his voice changed his perception of injury. The kind of excuse COVID-19 provided many company executives. The many services Greg offers companies to help them keep up with disruption. Why no company is ever in maintenance mode and how it relates to people. What sets disruption apart from everything else in business? Why every performance he does for companies is his favorite. Greg's advice for those who want to continuously change for the better. Key Takeaways: COVID-19 was the perfect excuse for companies to get creative. If we build on our successes, we're going to be so much more successful than if we constantly spotlight our failures. In any industry, things happen because they have insurance. Resources Mentioned: Tony Robbins Connect with Gregory Offner: Official Website LinkedIn Instagram Twitter This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!  

Apple Podcasts Rate and Review for SpotOn Matt Grossberg is Chief Executive Officer at Integrated Specialty Coverages (ISC). ISC is an insurance company that makes use of data & analytics to revolutionize the way complex programs are operated and underwritten. They specialize in Commercial Habitational Property & General Liability, construction, transportation, hospitality, and Miscellaneous E&O. Matt founded ISC in 2016 with the intent to bring strong management teams and profitable programs to their carrier and reinsurance partners. Before founding ISC, he was the former CEO of NII Brokerage from 2007 to 2011. Matt joins us to describe his passion to work in the insurance industry and what inspired him to launch his company. He explains the need for insurance to adjust to an evolving market, especially with the new inventions and innovations reaching the market. He shares the challenges of being an entrepreneur in the insurance industry, how his father set the tone when he was still a young boy, and the lessons he’s learned about becoming a successful entrepreneur. Matt also discusses what young professionals should do if they want to be successful in any industry, particularly if they want to become tomorrow’s business leaders. "The most important thing you can learn in life is you’re going to fail over and over again” - Matt Grossberg Today on Spot On Insurance: The challenges Matt encountered because his father was part of the insurance industry. How Matt learned to become a successful entrepreneur. Why ILSA has a perfect business model. How Matt built their company around AI and the latest technology. The companies they worked with that helped their company scale faster. When you should branch out and diversify in your careers. Matt's thoughts on young professionals who want to become entrepreneurs. How the insurance industry will adjust to autonomous driving systems and vehicles. What makes the insurance industry a different beast compared to the consumer industry. Key Takeaways: The insurance industry will eventually have to tackle the problems with regards to self-driving vehicles. Getting your company up to speed with the latest in AI and insurtech will guarantee longevity and scalability in the industry. Connect with Matt Grossberg: Integrated Specialty Coverages LinkedIn Facebook Email: mattgrossberg@iscmga.com This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!  

Apple Podcasts Rate and Review for SpotOn Dan Faggella is the CEO and Head of Research at Emerj, a tech company that utilizes artificial intelligence (AI) to help businesses and organizations develop winning strategies and profitable decisions. An avid fan of AI, he is known as someone who has an unbiased voice regarding the applications and implications of artificial intelligence algorithms in any industry and throughout our society. When he’s not running Emerj, Dan is hosting not one, but two podcasts: The AI in Business podcast and the AI in Financial Services podcast Dan joins us to share how artificial intelligence can change the way leaders plan their marketing strategies and the AI services Emerj offers. He describes who he is and how he became interested in the business of AI. He explains the pros and cons of using AI-generated realities and simulations while citing real world examples. He discusses how the pandemic has affected their business and why it’s not all negative. Dan also describes the potential that AI can unlock for the insurance and healthcare industries. "AI was a very personally curious initiative, but it turned out to be a business advantage for enterprises who want to allocate money intelligently." - Dan Faggella Today on Spot On Insurance: What OECD is and its purpose. Why Dan ventured into the business of artificial intelligence. When AI became a popular topic in multiple industries. How Covid-19 has helped and challenged Dan’s business model. Deepfake technology, its dangers, and its business potential. Using AI to generate ideas for marketing, planning, and other aspects of business management. What we can expect once artificial intelligence becomes part of commercial media. How AI is currently being used in healthcare. Should patients fear how AI can be used to determine insurance coverage? What Emerj is, how it got started, and the solutions it provides to businesses and organizations. The potential benefits of artificial intelligence in the insurance industry. How to get the youth to be excited to work in insurance. Key Takeaways: When deepfake tech becomes the norm, there's going to be a multi-front battle for the nature of reality. We’re still far from fearing AI manipulation of our insurance coverage. The future of marketing and politics will be spearheaded by AI-generated people who don’t exist. Connect with Dan Faggella: Emerj AI in Business podcast AI in Financial Services podcast Lotus Eaters vs World Eaters blog This episode was brought to you by….. Insurance Licensing Services of America (ILSA), America’s Premier Insurance Compliance and Licensing experts. To learn more about ILSA and their services, visit ILSAinc.com. Connect, Learn, Share Thank you for joining us on this week’s episode of Spot On Insurance. For more resources and episodes, visit SpotOnInsurance.com. Subscribe so you never miss an episode. Love what you’re learning, Spot Light your review on Apple Podcasts Rate and Review For SpotOn and share your favorite episodes with friends and colleagues!