Today In 5 Minutes Or Less (TLDR):

• 🔒 Turning Wildfire Risk Into Opportunity,

• How Tech Is Rescuing Agencies🔒

• From Catastrophes to Innovation

• Around The Web 🌎

🔒 Turning Wildfire Risk Into Opportunity,

How Tech Is Rescuing Agencies🔒

Dear Insurance Champions,

Let’s get brutally honest for a second, how many of you are still spending time quoting home insurance you KNOW will get non-renewed next year because of wildfire risk? Or worse, how many “good” clients have you lost thanks to the parade of non-renewal letters?

You’re not alone. Kevin Stein, a Stanford-trained engineer turned agency owner, joined us to break down how the insurance industry’s tech gap around catastrophe risk (especially wildfire) is where agencies are getting hammered, and where the opportunity is hiding.

HOOK:

Most carriers are running for the hills on wildfire. Kevin Stein and team built a patent-pending risk model (think: AI & satellite data on steroids) that’s beating the market, 95% accuracy during the most volatile 3-year wildfire stretch in California.

VALUE:

Here’s the deal, half the homes being rejected for coverage in wildfire areas are wrongly labeled “high risk.” That’s lost revenue, lost renewal float, and lost trust with your clients.

Instead of licensing his model to big carriers, Kevin Stein built Delos as an MGA and is stacking carrier capacity (Lloyd’s syndicates, Arch, Canopius) to actually WRITE this business.

He’s not just talking risk score, he’s updating underwriting, pricing, and portfolio selection monthly based on LIVE data, not stale, 60-year rolling averages.

ACTION FOR AGENTS:

• If you’re in a non-renewal madhouse, stop thinking "no one will write these, period." Technology can separate the truly risky from the marketable.

• Delos is rolling out distribution partnerships for captive agents. If you’ve been losing retention and cross-sell on home/umbrella because your carrier’s exit left you stranded, this is a lifeline.

• Don’t ignore new tools and partners because they “sound complicated.” Would you rather quote a $3k CPS home that sticks, or spend your team’s time spinning off every 12 months?

Big lesson:

“Here’s the deal, matching real exposure with modern underwriting is the ONLY way you fix this. And if you can niche into a market everyone else is fleeing, your renewal base gets stronger, not weaker.”, Kevin Stein

Craig Pretzinger and Jason Feltman

The Insurance Dudes! 🚀

From Catastrophes to Innovation

That cycle of scrambling to hire because someone suddenly left, it’s brutal. I’ve felt it myself. Someone resigns, or worse, just stops showing up, and now you’re desperate. When you’re in that spot, it’s easy to rush. You grab the next “available” person, just to fill the seat. But deep down, you know you’re taking a risk. More often than not, it backfires. Maybe they don’t fit your values. Maybe they start tearing at your team culture, quietly or not so quietly, and suddenly that one quick fix becomes its own big problem. But what do you do? You keep them, because there’s no one else in line. That’s when it really starts to unravel.

The best thing I ever learned was to always be recruiting. Not just when there’s an open seat, but every single week. Set time aside to interview. Even if you don’t need someone, even if it feels redundant, keep doing it. You’d be surprised how often unpredictability strikes, someone goes to lunch and never comes back. If you wait for that moment to start looking, you’re already behind.

Here’s the reality: our teams, our agencies, they live and die by the people in them. When we hold off on recruiting until our backs are against the wall, we put ourselves in a position to make decisions we later regret. We settle for a “warm body,” and it’s not just about productivity, it’s about the tone and feel of the whole agency. The culture gets hit, morale takes a dive, and sometimes good people leave just because someone wrong was allowed to stay too long.

So, make interviewing and networking a routine, not a reaction. Build a bench of talent, even if it feels like overkill. The hires you make before you “need” them are often your best, because you chose them with intention, not desperation. You’re in control, not the chaos. Even if it takes time, forming that habit is what keeps your agency sturdy, your culture healthy, and your stress levels in check. In the long run, that steady approach wins every time.

Around The Web 🌎

The YouTube 🎥

Today, we dive into a significant challenge faced by many business owners: frustration and how it impedes growth. Having been there myself, I share my journey from feeling stuck and penny-pinching to discovering a transformative six-step framework. Through this approach, I flipped my business dynamics, focusing on the actions and numbers necessary to achieve desired results, rather than just emotive responses. Join us as I reveal these six crucial steps that not only unlocked growth and brought back the joy of business ownership but also fostered a productive and harmonious team environment. Let's jump right in and learn how to remove frustration and unlock growth in your business.

This Week On The Podcast 🎧

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