Podcast episodes
Every conversation from the Advocate Insurance Desk, backed by our market data.
Showing 9 of 21 episodes
Jul 8, 2026 · Episode 21 · 24 min
The Engine Behind the Platform: Inside the World Insurance Model
What if the most accurate way to run an insurance compliance check is to stop the AI from thinking? Katie sits down with David, who built Advocate's World Insurance Model (WIM): a deterministic engine that roughly doubles coverage-gap accuracy while token cost stays flat.
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Jun 24, 2026 · Episode 20 · 21 min
New York Wants Florida's Results. Can Prior Approval Deliver Them?
Florida mailed $1 billion back to 830,000 policyholders. New York's new bill (A11298) bets law can force the same. But live terminal data shows property is already correcting on its own, while liability runs a 6.9x spread the bill never reaches. Katie and Grace on the line the bill missed
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Jun 18, 2026 · Episode 19 · 39 min
Insuring the Data Center Boom with Rachel Nixon
Property and liability are moving in opposite directions. So how do you insure the asset class that everyone is suddenly chasing? Ashwin Agarwal joins co-host Katie Dowson for a conversation with Rachel Nixon of IMA, who has been placing data center coverage for more than 20 years, long before it became the story everyone is chasing, and who recently helped structure a $4 billion placement.
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Jun 10, 2026 · Episode 18 · 33 min
The K-Shaped Insurance Market with Joe Zuk
Property rates are down, so why aren't owners feeling it? Ashwin Agarwal takes the host chair with Joe Zuk (Altamont Capital, Accelerant) to unpack the K-shaped insurance market: the top thrives, the bottom gets automated, and the middle, most of the market, gets left behind.
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Jun 4, 2026 · Episode 17 · 16 min
$150M in Flood Penalties. The Rules Didn't Change, the Banks Didn't Learn.
The flood rules didn't change, but banks keep failing them. The FDIC just tied $150M in penalties to flood violations. Katie and Grace break it down, then pull the Advocate app: a 4x flood pricing spread, $1.47 to $5.91, same Florida building. Cleared placement data, not commentary.
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May 27, 2026 · Episode 16 · 18 min
The Strait of Hormuz Shows Up in Your Premium
The Strait of Hormuz closed. Oil hit $113 a barrel. Habitation liability rates spiked at the same moment. We break down why these two markets are moving together and what that means for anyone renewing right now.
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May 20, 2026 · Episode 15 · 16 min
Polymarket vs Premiums: Same Math, Different Wrapper
Polymarket and parametric insurance are doing the same thing at the math layer. Pricing the probability of a future event. The wrapper around it is the only thing that's different. This episode is about where those two worlds are starting to overlap and what it means for CRE insurance.
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May 13, 2026 · Episode 14 · 18 min
How Multifamily Operators Are Restructuring Risk in 2026
Property is finally softening after 28 consecutive quarters of hardening. But liability is up 42% since January 1st and there's no bottom in sight. This episode is about why operators are turning to captives and parametric coverage, and what the realistic move is at every portfolio scale.
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May 6, 2026 · Episode 13 · 26 min
AI Just Got Quietly Excluded From Your CGL Policy.
AI exclusions are quietly reshaping commercial liability coverage. Katie and Grace break down new AI carve-outs approved for major carriers, what the latest ISO endorsements exclude, and why this mirrors the early cyber market. Plus, practical guidance on AI risk, governance, and renewals.
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