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This is The Power Producers Podcast where we are refining and redefining the sales game. A place where sales professionals can come to learn from other sales professionals and thought leaders who have mastered their craft. As well as their peers who are still striving for perfection to achieve their “why”. Real sales professionals. Real stories. Real results. Are you ready to feel the power?
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Mark Suski, SET, CFPS, and Associate Director at Jensen Hughes. Mark talks about his knowledge and experience in risk engineering, and the hazards of dust.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Miles Merwin, the Founder and President of Advisors Insurance Agency, LLC. Miles talks about his transition from working in an agency to running an agency and the structure of their program.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck talk about why people should sell value not expenses, and how to effectively represent somebody’s business.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Matt Masiello, the CEO of SIAA. Matt talks about his career in the insurance industry, the services they provide at SIAA and gives a little background about his book entitled, Insurance Agency 4.0.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Stephen Sedlak, CIC, CWCA, the President of Workcompology. Stephen talks about how ADP has helped him and gives a little insight into his book entitled, The Work Comp Control Effect: 7 Steps to Increase Profits Through Your Work Comp Program.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck talk about the significance of being prepared on appointments and asking open-ended questions.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Aaron Gordon, the Vice President of Gordon Companies Insurance Services. Aaron talks about how he became the bridge between old school service and new age technology and his niche focus on the commercial business.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Charles Specht, the President & CEO of ConstructiveRisk.com. Charles talks about understanding the Broker Of Record letter and booking appointments.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck discuss the three old types of sales tactics that are still utilized.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Richard Stein Jr, the Founder and COO of Wellhouse Company. Richard talks about the history of their agency and understanding investment banking.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Brandon Smith, the Managing Partner at Glidewell Investments & Insurance Group. Brandon talks about his knowledge in the insurance industry and the significance of building a good relationship with a client.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck talk about the number one mistake that producers make.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Jeff Roy, the CEO of Excalibur Insurance Group. Jeff discusses everything we need to know about his company and his interest in having a virtual assistant.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interviews Jack Wingate, the Founder and President of ALLCHOICE Insurance. Jack talks about his expertise in automation and the systems they use in the agency.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck talk about telemarketing and the machine that they’re building inside Florida Risk Partners.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Preston Schmidli, Chief Product Officer at Better Agency and the Co-Founder of Good Vibe Squad Marketing. Preston talks about his approach in the insurance industry and what he likes about Better Agency.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Danielle Willetts, the Owner of Little Dog Social Media. Danielle talks about the approach of their company in the insurance world and the significance for companies to have an online presence.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck talk about their experience when dealing with difficult clients.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Patty Lares, the Owner of AA Lares Insurance Services. Patty talks about her career in the insurance industry and what she does to help their community.
In this episode of The Power Producers Podcast, David Carothers and co-host Kyle Houck interview Mike Stromsoe, the President at Stromsoe Insurance Agency and the Founder of The Unstoppable Profit Program. Mike talks about his approach in the insurance industry and the programs that they have in the agency.
The commercial insurance industry is in the middle of a quiet evolution.
While most conversations still revolve around premiums, deductibles, limits, and carrier appetite, a different category of risk transfer has been gaining traction beneath the surface—parametric insurance. It is not new, but it is finally becoming accessible, relevant, and actionable for middle market producers who are willing to think differently about risk.
In a recent episode of the Power Producers Podcast, I sat down with Brian Thompson from Descartes Underwriting to unpack what parametric insurance actually is, what it is not, and why producers who ignore it may be leaving their clients—and themselves—exposed.
This article breaks that conversation down into practical, producer-friendly language and shows how parametric insurance fits into modern middle market risk management.
The last several years have reshaped the landscape of property insurance across the country. While most national carriers have retreated from coastal states, wildfire zones, and other catastrophe-exposed regions, a handful of disciplined players have taken the opposite path—leaning into difficult markets with a strategic, data-driven approach.
For most entrepreneurs, the decision to start a business is rooted in the promise of freedom. Freedom from a boss, freedom to control income, and freedom to build something meaningful. Yet for many business owners, particularly in service-based industries and middle-market companies, that freedom slowly erodes. What begins as ownership eventually turns into obligation, where the business demands constant attention and the owner becomes the single point of failure.
The insurance industry is full of shortcuts. Some producers look for ways to streamline the quoting process, others avoid hard conversations with clients, and many rely on endorsements or extensions because they are “easier” than diving into the details. Nowhere is this more dangerous than in the world of cyber insurance.
Too many agents assume that a cyber endorsement on a BOP or commercial package policy is “good enough.” It isn’t. In fact, treating a BOP cyber extension as a replacement for a standalone cyber policy leaves clients dangerously exposed, puts producers at risk of losing accounts, and opens the door to costly errors and omissions (E&O) claims.
Cyber threats evolve faster than any other area of risk, and endorsements simply can’t keep up. If producers want to protect their clients and themselves, it’s time to understand why standalone cyber insurance is non-negotiable.
In the middle market, producers don’t lose because the competition has better pricing.
They lose because the competition understands people better—their motivations, their fears, their priorities, and what makes them say yes.
The cyber insurance market has softened in recent years. Requirements that were once rigid — like mandatory multi-factor authentication (MFA) or endpoint detection and response (EDR) tools — have been relaxed by many carriers. But here’s the danger: just because carriers aren’t demanding these safeguards today doesn’t mean businesses can afford to ignore them.
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