Insurance Hour with Karl Susman

In this episode of "Insurance Hour," host Karl Susman dives into the complexities of the California insurance market with special guest Benjamin McKay, CEO and Executive Director of the Surplus Lines Association of California. The discussion covers the distinction between admitted and non-admitted (surplus lines) insurance, the challenges faced by insurers due to regulatory processes like Prop 103, and the current crisis in the California insurance market exacerbated by wildfires and rising costs. McKay explains how surplus lines provide flexibility in underwriting unique and high-risk policies that standard insurers avoid. They also touch on the Leslie list, which ensures the financial stability of surplus lines insurers, and the importance of managing California's forests to mitigate wildfire risks.Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY 1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, Ca THURSDAY 0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY 0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY 0800-0900 | KLZN | 1490 AM / 99.3 FM | Susanville, Ca0800-0900 | KRAC | 1370 AM | Red Bluff, Ca0900-1000 | KKXX | 930 AM / 103.9 FM | Bakersfield, Ca1800-1900 | KERI | 1410 AM | Bakersfield, CaSUNDAY0600-0700 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca In addition to traditional radio, Insurance Hour is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience. Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app. For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com Support the show: https://insurancehour.com/See omnystudio.com/listener for privacy information.

In this episode of Insurance Hour, host Karl Susman dives into the complexities of the California insurance market, focusing on the challenges and changes facing homeowners. He begins by addressing the difficulty Californians face in obtaining homeowners insurance due to the state's high-risk environment and lack of competition among insurance providers. Karl introduces the California Sustainable Insurance Strategy proposed by Insurance Commissioner Ricardo Lara, which aims to modernize and expedite the insurance approval process. The strategy includes creating a more efficient checklist for insurance carriers, allowing for reinsurance costs in rate calculations, and implementing catastrophe modeling for better risk assessment. Karl emphasizes the importance of these changes in fostering a competitive market and lowering insurance premiums. He also discusses misinformation surrounding these regulations and stresses the need for accurate information to make informed decisions.Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY 1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, Ca THURSDAY 0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY 0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY 0800-0900 | KLZN | 1490 AM / 99.3 FM | Susanville, Ca0800-0900 | KRAC | 1370 AM | Red Bluff, Ca0900-1000 | KKXX | 930 AM / 103.9 FM | Bakersfield, Ca1800-1900 | KERI | 1410 AM | Bakersfield, CaSUNDAY0600-0700 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca In addition to traditional radio, Insurance Hour is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience. Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app. For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com Support the show: https://insurancehour.com/See omnystudio.com/listener for privacy information.

In this episode of "Insurance Hour," host Karl Susman delves into the history and impact of Proposition 103 on California's insurance industry. He begins by setting the scene in the 1980s, discussing the economic and social climate that led to the creation of this landmark regulation. Susman explains the initial goals of Proposition 103, which included reducing insurance premiums and increasing oversight of the industry. He provides a detailed analysis of the proposition's key provisions, including the mandatory 20% rate reduction and the establishment of an elected insurance commissioner.The show also explores the broader implications of Proposition 103, including its effects on the insurance market, such as the exodus of some insurance carriers from California and the challenges of maintaining profitability under the new regulations. Susman highlights the ongoing amendments and changes to the proposition over the years, illustrating how it has evolved to address new challenges and clarify initial ambiguities. He concludes with a discussion on the current state of the insurance industry in California and the potential future of Proposition 103, emphasizing the need for a balance between consumer protection and a healthy, competitive insurance market.Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY 1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, Ca THURSDAY 0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY 0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY 0800-0900 | KLZN | 1490 AM / 99.3 FM | Susanville, Ca0800-0900 | KRAC | 1370 AM | Red Bluff, Ca0900-1000 | KKXX | 930 AM / 103.9 FM | Bakersfield, Ca1800-1900 | KERI | 1410 AM | Bakersfield, CaSUNDAY0600-0700 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca In addition to traditional radio, Insurance Hour is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience. Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app. For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.com Support the show: https://insurancehour.com/See omnystudio.com/listener for privacy information.

In this episode of "Insurance Hour," host Karl Susman dives into the intricacies of a new trailer bill proposed by Governor Gavin Newsom, which aims to address the chaos in California's insurance industry. The bill is part of the Sustainable Insurance Strategy, designed to update outdated regulations and strengthen consumer protections. Karl discusses the bill's implications, debunks misinformation from certain consumer groups, and emphasizes the urgent need for regulatory reform to stabilize the insurance market in California. Additionally, he highlights the challenges and opportunities in the current insurance landscape and encourages public participation in the ongoing dialogue.Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca In addition to traditional radio, Insurance Hour is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience. Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app. For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insura...Support the show: https://insurancehour.com/See omnystudio.com/listener for privacy information.

Show SummaryIn this episode of “Insurance Hour,” host Karl Susman delves into the intricacies of how insurance works, exploring the foundational concepts and modern practices of the industry. Karl discusses the importance of diversification, investment strategies, and reinsurance to ensure insurance companies have enough funds to cover claims. He explains the historical roots of insurance, using Abraham Lincoln’s log cabin as an example, and provides insights into how companies manage risks and prevent losses. The episode also covers the role of state-run programs for high-risk insurance and the importance of loss prevention for both insurers and consumers.Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca In addition to traditional radio, Insurance Hour is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience. Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app. For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insura...Support the show: https://insurancehour.com/See omnystudio.com/listener for privacy information.

In this episode of "Insurance Hour," host Karl Susman sits down with Dennis Beaver, an experienced civil litigation attorney, to discuss the intersection of law and insurance. They delve into the common pitfalls consumers face when dealing with personal injury claims and the importance of selecting the right attorney. Beaver highlights the dangers of "personal injury mills," law firms that prioritize quick settlements over client welfare, often leading to inflated medical bills and abandoned cases. The discussion emphasizes the value of hiring local, reputable lawyers and avoiding firms with aggressive advertising tactics. Additionally, they touch on the broader impact of frivolous claims on insurance premiums and the critical importance of honesty in insurance claims.Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: TUESDAY1200-1300 | KZSB | 1290 AM | Santa Barbara, Ca1900-2000 | KZSB | 1290 AM | Santa Barbara, CaWEDNESDAY0952-1000 | KZSB | 1290 AM | Santa Barbara, CaTHURSDAY0700-0800 | KCAA | 1050 AM / 106.5 FM | Redlands, CaFRIDAY0900-1000 | KMET | 1490 AM / 98.1 FM | Banning, CaSATURDAY0700-0800 | KTRB | 860 AM | San Francisco, Ca1200-1300 | KEIB | 1150 AM | Los Angeles, CaKION | 1460AM | Salinas, Ca1300-1400 | KCBQ | 1170 AM / 96.1 FM | San Diego, Ca1600-1700 | KEIB | 1150 AM | Los Angeles, CaSUNDAY1700-1800 | KFBK | 1530 AM / 93.1 FM | Sacramento, Ca In addition to traditional radio, Insurance Hour is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience. Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app. For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insura...Support the show: https://insurancehour.com/See omnystudio.com/listener for privacy information.

In this episode of "Insurance Hour," host Karl Susman delves into a wide range of insurance-related topics through listener calls and emails. The show focuses primarily on common concerns and misconceptions about various types of insurance policies, including home, auto, and health insurance. Karl addresses specific listener questions about insurance terminology, coverage details, and policy comparisons, providing clarifications and advice. Additionally, he discusses the broader insurance landscape in California, highlighting challenges like regulation updates and market constraints. The episode is informative and interactive, with Karl responding directly to the audience's real-time inquiries.Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: Friday 9-10am -- KMET AM1490 – Inland Empire (LIVE BROADCAST) Saturday 7-8am -- KTRB AM860 – San Francisco Saturday 12-1pm -- KION AM1460 — Salinas KEIB AM1150 – Los Angeles Saturday 1-2pm -- KCBQ AM1170 – San Diego Sunday 5-6pm -- KFBK AM1530 – Sacramento Tuesday 12-1pm -- KZSB AM1290 - Santa Barbara Tuesday 7-8pm -- KZSB AM1290 - Santa Barbara Wednesday 9:52am -- KZSB AM1290 - Santa Barbara Thursday 7-8am -- KCAA AM1050 – Riverside In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience. Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app. For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.comSupport the show: https://insurancehour.com/See omnystudio.com/listener for privacy information.

In this episode of "Insurance Hour," host Karl Susman explores innovative insurance solutions with special guest Valkyrie Holmes, co-founder of Faura. Faura is a pioneering company that uses data analytics to help homeowners and insurance agencies mitigate risks associated with natural disasters like wildfires and hurricanes. The platform allows users to conduct property assessments using their smartphones to evaluate risk factors and improve resilience. This technology is especially beneficial in areas prone to natural disasters and helps in obtaining better insurance policies and potentially lowering premiums. The show delves into the functionality of the Faura platform, the future of home insurance, and the broader impact of technology on the insurance industry.Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: Friday 9-10am -- KMET AM1490 – Inland Empire Saturday 7-8am -- KTRB AM860 – San Francisco Saturday 12-1pm -- KION AM1460 — Salinas KEIB AM1150 – Los Angeles KCBQ AM1170 – San Diego Sunday 5-6pm -- KFBK AM1530 – Sacramento Tuesday 12-1pm -- KZSB AM1290 - Santa Barbara Tuesday 7-8pm -- KZSB AM1290 - Santa Barbara Wednesday 9:52am -- KZSB AM1290 - Santa Barbara Thursday 7-8am -- KCAA AM1050 – Riverside In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience. Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app. For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.comSupport the show: https://insurancehour.com/See omnystudio.com/listener for privacy information.

In this engaging episode of "Insurance Hour," host Karl Susman focuses on demystifying auto insurance for Californians. He tackles common concerns and questions about why auto insurance rates continue to rise despite aging vehicles and increasing driving experience. Karl breaks down the impact of vehicle types, including EVs and SUVs, on insurance costs and offers practical tips on how to reduce personal auto insurance premiums. He explains the importance of comparing insurance rates, bundling policies, and maximizing discounts through proactive measures like defensive driving courses. The episode is rich with advice aimed at helping listeners navigate their insurance options more effectively and economically.Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS, Spectrum, The CW and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: Friday 9-10am -- KMET AM1490 – Inland Empire Saturday 7-8am -- KTRB AM860 – San Francisco Saturday 12-1pm -- KION AM1460 — Salinas KEIB AM1150 – Los Angeles KCBQ AM1170 – San Diego Sunday 5-6pm -- KFBK AM1530 – Sacramento Tuesday 12-1pm -- KZSB AM1290 - Santa Barbara Tuesday 7-8pm -- KZSB AM1290 - Santa Barbara Wednesday 9:52am -- KZSB AM1290 - Santa Barbara Thursday 7-8am -- KCAA AM1050 – Riverside In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience. Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app. For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.comSupport the show: https://insurancehour.com/See omnystudio.com/listener for privacy information.

The episode focuses on the insurance technology sector, particularly on how financial technology can improve efficiencies in insurance transactions. The guest, Cody Eddings, co-founder of SnapRefund, discusses the origins and mission of his company, which aims to revolutionize insurance payouts and agency billing through two main products: ClaimSnap and AgentSnap. The discussion details the challenges and solutions in deploying modern financial services to enhance the speed and reliability of insurance-related financial transactions, aiming to benefit both consumers and providers by integrating advanced payment technologies.Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: KMET AM1490 – Inland Empire – Friday 8-9am KTRB AM860 – San Francisco – Saturday 7-8amKEIB AM1150 – Los Angeles – Saturday 12-1pmKCBQ AM1170 – San Diego – Saturday 1-2pmKFBK AM1530 – Sacramento – Sunday 5-6pmKZSB AM1290 – Santa Barbara – Wednesday 9:52amKCAA AM1050 – Riverside – Thursday 7-8am In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience. Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app. For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.comSupport the show: https://insurancehour.com/See omnystudio.com/listener for privacy information.

The episode primarily focuses on insurance-related challenges in California, featuring Karl Susman as the host and Michael Soller, Deputy Insurance Commissioner, as the guest. The discussion highlights the current state of the insurance market in California, particularly addressing the non-renewal of policies by major providers like State Farm, and the broader impact on consumers. They delve into the role of the California Department of Insurance, initiatives to stabilize the market, and efforts to enhance consumer protections and understanding. The challenges faced by the California FAIR Plan, which provides last-resort insurance, are also explored.Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: KMET AM1490 – Inland Empire – Friday 8-9am KTRB AM860 – San Francisco – Saturday 7-8amKEIB AM1150 – Los Angeles – Saturday 12-1pmKCBQ AM1170 – San Diego – Saturday 1-2pmKFBK AM1530 – Sacramento – Sunday 5-6pmKZSB AM1290 – Santa Barbara – Wednesday 9:52amKCAA AM1050 – Riverside – Thursday 7-8am In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience. Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app. For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.comSupport the show: https://insurancehour.com/See omnystudio.com/listener for privacy information.

This episode of "Insurance Hour" with Karl Susman unpacks the tumultuous state of California's insurance industry, spotlighting the strategic withdrawal of major insurers and the mounting strain on the California Fair Plan Association. Amidst a backdrop of regulatory rigidity and climatic volatility, the episode articulates a critical juncture for the industry, advocating for a recalibrated approach to insurance that is both forward-looking and consumer-informed.Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: KMET AM1490 – Inland Empire – Friday 8-9am KTRB AM860 – San Francisco – Saturday 7-8amKEIB AM1150 – Los Angeles – Saturday 12-1pmKCBQ AM1170 – San Diego – Saturday 1-2pmKFBK AM1530 – Sacramento – Sunday 5-6pmKZSB AM1290 – Santa Barbara – Wednesday 9:52amKCAA AM1050 – Riverside – Thursday 7-8am In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience. Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app. For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.comSupport the show: https://insurancehour.com/See omnystudio.com/listener for privacy information.

In this episode of "The Insurance Hour," host Karl Susman delves into the complexities of insurance, aiming to demystify policies for Californians. The show covers a broad spectrum of insurance-related topics, including maximizing benefits, saving money, handling claims, and the nuances of interacting with agents, brokers, and insurance companies. A significant portion of the discussion focuses on the inherent frustration many people feel towards insurance due to its mandatory nature, particularly concerning property and auto insurance. Karl also addresses common misconceptions and challenges policyholders face, such as understanding coverage limits, the importance of maintaining proper insurance, and strategies for minimizing risk and avoiding claims. Through engaging stories and expert advice, Karl seeks to educate listeners, making the daunting world of insurance more accessible and less intimidating.Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: KMET AM1490 – Inland Empire – Friday 8-9am KTRB AM860 – San Francisco – Saturday 7-8amKEIB AM1150 – Los Angeles – Saturday 12-1pmKCBQ AM1170 – San Diego – Saturday 1-2pmKFBK AM1530 – Sacramento – Sunday 5-6pmKZSB AM1290 – Santa Barbara – Wednesday 9:52amKCAA AM1050 – Riverside – Thursday 7-8am In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience. Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app. For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.comSupport the show: https://insurancehour.com/See omnystudio.com/listener for privacy information.

The episode covers a discussion on the insurance industry between host Karl Susman and guest Randel Bennett. They analyze issues facing property and casualty insurance, focusing on rising reinsurance costs and reduced availability driving rate increases. Details are provided on reinsurance concepts and trends, including reduced capacity, requirement for more insurer capital contributions, and layering costs from multiple reinsurers. They also discuss Florida's insurance crisis with insolvent private carriers. The talk covers InsureTech startups aiming to innovate with technology but facing high failure rates recently. Main takeaways are increasing reinsurance expenses, reduced affordability, and need for consumer education on insurance as a safety net rather than savings.Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: KMET AM1490 – Inland Empire – Friday 8-9am KTRB AM860 – San Francisco – Saturday 7-8amKEIB AM1150 – Los Angeles – Saturday 12-1pmKCBQ AM1170 – San Diego – Saturday 1-2pmKFBK AM1530 – Sacramento – Sunday 5-6pmKZSB AM1290 – Santa Barbara – Wednesday 9:52amKCAA AM1050 – Riverside – Thursday 7-8am In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience. Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app. For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.comSupport the show: https://insurancehour.com/See omnystudio.com/listener for privacy information.

In this engaging episode of "The Insurance Hour," host Karl Susman welcomes Das Williams, the esteemed County Supervisor for the Santa Barbara area, for an in-depth discussion. The conversation covers a wide range of topics, from Das Williams' key initiatives and achievements in office to how local policies can impact insurance rates and community safety. Listeners will gain valuable insights into the intersection of local governance, community development, and the insurance industry, all while being entertained by the dynamic interaction between Karl and his guest. This episode not only informs and educates but also provides a unique perspective on the importance of local government in everyday life.Introduction to the Episode - A brief overview of what listeners can expect, including the introduction of special guest Das Williams.Das Williams: Background and Role - An exploration of Das Williams' background, role as County Supervisor, and his initiatives for Santa Barbara.Impact of Local Governance on Insurance - Discussion on how local governance and policies affect the insurance industry and rates.Community Development and Safety - Insights into community development efforts and safety measures in Santa Barbara.Q&A with Das Williams - A segment dedicated to questions from the host or audience, providing deeper insights into Williams' views and plans.Conclusion and Takeaways - Summarizing the key points discussed in the episode and closing remarks from the host and guest.Insurance Hour is hosted by renowned insurance expert Karl Susman. Karl is a frequent guest on television stations such as ABC, CBS and FOX, and now his popular radio program is syndicated TO OVER 30 MILLION LISTENERS throughout California. Listeners can now tune in to Insurance Hour on: KMET AM1490 – Inland Empire – Friday 8-9am KTRB AM860 – San Francisco – Saturday 7-8amKEIB AM1150 – Los Angeles – Saturday 12-1pmKCBQ AM1170 – San Diego – Saturday 1-2pmKFBK AM1530 – Sacramento – Sunday 5-6pmKZSB AM1290 – Santa Barbara – Wednesday 9:52amKCAA AM1050 – Riverside – Thursday 7-8am In addition to traditional radio, Insurance Hour has embraced the digital age. The program is available on several popular streaming platforms, ensuring that listeners can access the show at their convenience. Audiences worldwide can now enjoy Insurance Hour at InsuranceHour.com, on YouTube, Amazon Music, Tuneln, Alexa, Apple Podcasts, and the iHeartRadio app. For more information about "Insurance Hour" and its programming, please contact Lara Starr at pr@insurancehour.comSupport the show: https://insurancehour.com/See omnystudio.com/listener for privacy information.