Podcast episodes
Every conversation from the Advocate Insurance Desk, backed by our market data.
Showing 9 of 30 episodes
Oct 1, 2026 · Episode 31 · 12 min
Same Building, Double the Price: The Multifamily Property Insurance Gap
Two identical multifamily buildings price within 3% at one carrier and about 2x apart across carriers. The gap is widest inland: St. Louis hits 6.92x, 557 miles from the coast. Katie breaks down trailing twelve months of Advocate Market Terminal data on where carriers disagree and why.
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Sep 17, 2026 · Episode 29 · 15 min
The Riskiest Property Market in America Is Getting Cheaper
Storm losses are soaring. Commercial property rates are falling. So why? In this episode, we break down how reinsurance capital, carrier retentions, and market competition are driving pricing, even as severe convective storm losses top $35B.
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Sep 2, 2026 · Episode 28 · 16 min
What Florida's Excess Layer Actually Costs: Multifamily Liability
Everyone benchmarks primary. But in Florida multifamily liability, roughly 90% of the state’s excess cost sits above it, in the layer almost nobody benchmarks. Katie Dowson and Grace Schmidt break down the data, carrier mix, and 4-year crossover in this week’s Data Pulse.
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Aug 20, 2026 · Episode 27 · 14 min
What California's Last Resort Actually Costs: Multifamily Property
Katie Dowson and Grace Schmidt go carrier by carrier through California multifamily property: who is writing the volume, why the gap between the residual market and the surplus lines market is not a like-for-like comparison, what the 2024 to 2026 trend actually shows, and why the Farmers filing reported by Insurance Journal on August 3rd looks more like a pilot than a re-entry.
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Aug 12, 2026 · Episode 26 · 44 min
AI Adoption at a 1,500 Person Agency with Ryan Deeds
Ryan Deeds runs AI across a 1,500 person agency. His read: stalled rollouts are almost never a technology problem. Sally asks you to build for her workflow, Mark does the same job differently, and now you're deciding who has the standing to say which one is right. That's the actual work.
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Aug 5, 2026 · Episode 25 · 30 min
Building AI Software You Can Benchmark with David Haddad
AI did not just speed engineering up, it moved the work. David Haddad on writing far less code, evals replacing unit tests, why picking a model is the easy part, and what building an AI product actually consists of: specs, pipelines, and deciding what a model is allowed to do.
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Jul 29, 2026 · Episode 24 · 18 min
Inside an MGA Program: The Carrier Isn't Who You Think
The carrier name on your policy may not be who is actually holding your risk. Katie Dowson and Grace Schmidt unpack MGAs, fronting carriers, and the reinsurers behind program business, plus the three questions every buyer should ask before renewal: whose name, whose rating, who holds the capacity.
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Jul 22, 2026 · Episode 23 · 12 min
How the Small Shop Finally Sees the Whole Market
The property market is softening, and clients suddenly have options. So how does a small shop compete with a national brokerage? Katie and Grace break down five data driven moves an independent broker can run in the Advocate app: read carrier appetite, shop smart, negotiate beyond price, protect revenue, and use tech to sharpen judgment.
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Jul 15, 2026 · Episode 22 · 11 min
The Hard Market Ended. Liability Never Got the Memo.
Three headlines that moved commercial insurance: the hard market ended for property but never left liability, data centers are outgrowing insurable capacity, and the industry bought AI only to find the real problem was always the data underneath.
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