Adapting Commercial Auto Insurance to Platform-Based Work

On this episode of the Insure Tech Geek Podcast, we explore how commercial auto insurance is evolving with Dan Bratchbis, co-founder and CEO of Insure. Tech Geek Podcast is all about technology that's transforming and disrupting the insurance world. We'll be interviewing guests and doing deep dives into specific tech we see changing the industry. We're taking you on a journey through insurance tech. So enjoy the ride and geek out.

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And we are back for another episode uh recording in early 2026 of the Enter Tech Geek podcast. I am your Solo host today, Rob Galbreth, typically the co-pilot, but unfortunately James is uh not available to join us for this fantastic conversation with Dan Bradsbist. uh from ensure. But Dan, we're happy to have you on board and look forward to a fantastic conversation today.

Uh as we noted, I am wearing a nice t-shirt here in uh it's not sunny San Antonio, but it is warm. You are a bit bundled up in New York City. So how are you doing, Dan? Welcome to the show and uh tell us a little bit about the weather. Thanks Rob. Thanks for having me on. Uh yeah, uh I'm a little bit jealous of your t shirt. It's definitely a a bit colder in New York. Uh but yeah, doing great today. Looking forward to this conversation.

Fantastic. Well we're thrilled to have you on board. You are one of the the OGs of this kind of insured of movement and we'll get into you and your career. Uh, but first, uh tell us a little bit about yourself. Where were you born and raised? And uh I don't know if you had a career aspiration to Start uh a successful in ShirTe uh as as you uh were growing up. I'm guessing not, and you might have had some other early ideas uh as Um, okay, let's see. So I was born in uh the Soviet Union in Moscow.

Um I came to the US as a as a kid, uh, with my family. Um and I I sort of grew up in uh central New Jersey, around the New York City area. So that's I've been aro I've been around the New York City um kind of metro area for most of my life. Uh when I was a uh when I was a kid, my grandfather was actually a pilot uh for Aeroflot, uh Russia's largest uh airline. I always wanted to be a pilot, uh, but that didn't happen, so uh I I chose insurance instead.

Now, did you ever take any lessons or or you just that was a dream and never that was just the childhood thing, yeah. Well, if you ever wanna live out those dreams through uh James Benham, I'm sure he can tell you all about his uh flying adventures and I believe his uh family was into flying as well and kind of passed that down. Um, so kind of uh interesting. I'm very happy to just uh ride along in the back and uh put on my AirPods and uh not worry too much about uh where this thing is going.

Hopefully you get to get there on time. Um, so uh I see that you went to uh Cornell. Um this is actually where my father went. And I don't know if you're familiar with um the character of uh Andy Dwyer in the office that uh is a proud Cornell alum and uh teased for that quite a bit. Uh so how did you find your time at Cornell? It was amazing. Um, still have a lot of friends. I met my wife there. Um, you know, we've been back several times. Um, my kids have been back there.

Um actually my my nephew goes there now as well. So it's um it's a great place. It's kind of in the middle of nowhere. At the time I didn't appreciate it much, but I certainly do now, so it was a great environment. Yeah, that area of upstate New York is very beautiful. I've got some family up there. Uh in addition to my father graduating from Cornell, my uh grandfather was the dean of engineering for many years at Syracuse University. So we would go

Uh visit them in the summer months typically. Um and uh had been to Ithaca a couple of times and it is a an absolutely gorgeous. That's your neat t shirt, dude. Ithaca's gorgeous. I don't know if you've ever seen that, but there's there's a lot of gorges and waterfalls in in Ithaca. So there there's a green Ithaca's gorgeous shirt. Maybe I'll get that for you.

Oh, that would be fantastic. Yeah, that would be fantastic. So um yeah. It and it was fun walking around with my fairly stoic father uh on campus and him kind of represent uh reminiscing about some of his uh college age uh hijigs. Uh so that was uh quite fun. I think there was something about sledding on some of the uh cafeteria trade. That was definitely a tradition. Yeah. Yeah. Uh so after that, uh you um started kind of in the financial services industry, uh

with uh Merrill Lynch. Um and then you went to uh TFG Limited uh Flywheel, spent a year and then uh in February two thousand you started Insure. So maybe you can just kind of walk us through your career prior to Ensure. You know, what did you learn? What skills did you gain? And how did you kind of end up as the co-founder of Ensure? Sure. Yeah, so uh started my career on Wall Street, um uh at the time in in technology, uh, and um spent a bit of time at different different areas around

Uh, equities trading. So um it was actually kind of an interesting time because w when I joined, um, you know, human traders were still very much at the heart of the New York Stock Exchange, trading, throwing tickets around. Um And when I left, uh, it was very much kind of algorithmic trading and and high frequency kind of hedge funds, uh, trying to co locate as quickly as close as possible to

to the exchanges. So definitely saw like a disruption and an evolution of an industry that I think is analogous to what we're seeing in insurance now as well. Um So yeah, I spent um a number of years there. We were eventually acquired by Bank of America. Um and then I sort of got into insurance uh by accident. Um as I mentioned, I come from an immigrant background. A lot of my family has

kind of uh done menial jobs and, you know, driven a cab for uh to to get to the American dream. And um someone in my family invested in a insurance agency in New York that catered to uh four higher transportation risks. Um, and I came just to sort of evaluate like what what what insurance was all about and could technology sort of uh make make a difference here? And my eyes were sort of open to just how big the insurance industry was.

um how much I think technology has sort of uh passed it by over the last like 10 years or so and just how big the opportunity was. Um and so Um the idea behind uh co-founding and sure was, you know, there was this immigrant class of taxi and and Uber and Lyft drivers there. uh a a new type of risk emerging. Um

A lot of them were millennials, a lot of them were looking for digital experience and what we what the market had to offer at the time was very much, you know, analog, paper based. Um and so my co founder and I decided to do something about that. Um and that was that was really the impetus of of ensure we wanted to give transparency around

the process, the pricing, uh, there was a lot of distrust between a lot of these immigrants and uh the the brokers. Um, and so that's what we were looking to achieve. Um, my career fli I spent a couple of years at Flywheel, which was uh at the time uh sort of competitor to Uber. Um so got a got a taste of the startup bug uh before um before starting insure. Um and so yeah, that's that's that's how the the the initial idea kind of sparked.

So uh I know uh in talking with a lot of uh founders and innovators. Um, sometimes it can be relatively easy, and I don't want to underestimate that, but to to identify a a problem, right? Or to identify like there's a But uh whatever the initial solution that folks come up with is usually wrong. And it takes kind of several iterations, right? And there's kind of this race before you, you know, run out of money, you run out of ideas.

And even if the the the technology piece is good, right? The the the distribution part, the the market.

is at the core, right? But um so maybe you can talk a little bit about, you know, what was your initial um idea and then how did you have to iterate or evolve ensure um over time in those early years? Yeah, it's a great point. So I like initially I think our hypothesis was, hey, we'll build, you know, the Sixpedia search engine that allowed these uh newer um

uh rideshare drivers in New York to get a quote by a policy. We'll go out there, we'll make partnerships with all these different insurance companies. We'll collect our commission. Uh the customers will be happy. Um, and what we actually learned is it was it was very difficult to partner with traditional insurance companies. uh very difficult to kind of get the pricing and underwriting uh to align with this like digital experience.

Um, and ultimately it was very difficult to acquire customers. Um, you know, there's there's a couple of funny anecdotes I could share with you. Uh, in the early days we launched the app and we thought, Okay, amazing, like we're gonna have thousands of sign ups and you just like you're waiting day in, day out, you're like and it's crickets, right? So I remember

Um, I don't know if you remember um Uber and Lyft were having promotions where they'd give you like, I don't know, twenty dollars worth of free rides. Um, and one of the things my

my co founder and I would do is like try to talk to these customers and identify what their pain points were in insurance. It was kind of tough to find these folks, right? And so what we do is we get burner phones sign up with uh with Uber and Lyft, get a couple of free rides and like just go around the block talking to these uh rideshare drivers just to try to understand what um you know what pain they sort of felt and understand their their kind of sentiment as well.

Um but uh y you're absolutely right. Like I think there the initial vision of like, hey, this, you know, Expedia Kayak broker aggregator model it would turned out to be completely uh untenable and we we had to pivot and become an MGA and we learned what a claim was, what underwriting it was, what, you know, making a underwriting profit was. Um and so it's uh definitely um a roller coaster ride of of learning.

And I know um, you know, one key point I think that you wanted to to make for our audience is that technology is kind of how you deliver the insurance, but the insurance is still the the product and still the Um success of any of the Yeah, absolutely. I mean, I think um at the end of the day, all insurance X are distributing, you know, a contract, a piece of paper that promises to pay a claim.

Um, and you know, I think the insurance industry has been at the forefront of uh a lot of innovation when it comes to uh pricing and underwriting and distribution and uh claims management as well. And I think uh, you know, technology is an enabler to do do things differently, do things better. Uh, we're excited about, you know, embedding our products into different partners and making things more flexible to the use of usage based tech than telematic.

But at the end of the day, like I think the the core business really is around understanding the uh the nuts and bolts of of what the insurance industry's really been about for the last hundred years. Uh so um talked about the early days of insure like how have you uh grown and expanded over time maybe you can kind of um catch our audience up to speed with um those early days to where you are currently.

Yeah, sure. So started in New York, that was our initial market. Um, as I mentioned, we sort of pivoted from this kayak model to become an MGA. Um so we learned uh we learned what, you know, become an MGA is all about, getting the trust of uh your capacity partners, uh being um uh l learning how to price an underwrite and and distribute products uh yourself. So that that was something we developed in twenty eighteen. Um we

Uh, we started to partner with platforms and that that is now kind of at the at the core of our distribution strategy. So Uber's been an important uh uh partner for us on the distribution side. Uh we then expanded to um the UK market. So we launched the uh Roger commercial auto product for uh for rapid share drivers in the London market and the rest of the UK as well. Um and that's now a big big part of the business. Um and Ibrus helped us uh distribute that as well.

Um we learned at you know, in the very early days we learned that claims is kind of at the heart of Of insurance, right? It's sort of like uh the w ha the way I like to d describe it is It's kind of like the guts of insurance. Um uh sorry the you know, how the sausage is made in insurance, like no one really wants to understand how it's made, but it's actually like that is the product that that we're offering is

you know, when something bad happens, we we make sure that we make it right. And so we um we decided to build our own claims uh organization because we found that working with TPAs was pretty painful. Um, and that's that's a pretty big part of the business now. We have uh TPA businesses on both sides of the Atlantic. Um, and so eventually we also expanded into uh uh mainland Europe as well.

COVID hit. I don't know if you remember what what COVID was like, but nobody was taking rideshare rides. And so our our business uh literally went off a cliff in in a matter of months. Um and what we started to notice is a lot of our customers were doing other types of uh sharing economy work. uh doing deliveries, uh food and parcel. We uh launched the last mile delivery product. Um ended up being a blessing in disguise, but at the time it was super um super stressful. Um so that's uh

We now have partnerships with uh the likes of uh Amazon and Doordash on on the delivery side. Um and then it's several years back we actually acquired another MGA business in California, giving us access to the rest of the US. Um and so we now have uh fifty state uh product when it comes to passenger transportation. Um we also have uh products around the the car share industry. So folks that work with platforms like

uh Turo and others to rent out their vehicles. We have a pretty interesting product. To dig into. Um, so yeah, the business today is about sixty percent uh US focused, uh 40% Europe. Claims, as I mentioned, is a big part of the the business. And the way we like to distribute our products is by partnering with platforms such as uh Uber and Amazon and Doordash and others.

uh really embedding our products into their onboarding journey. Um we get access to a lot of alternative data. We use that data to price it under new ways. Uh the platforms get uh uh benefits as well. We we provide to them proof of coverage in real time. Um, and it's kind of a symbiotic uh r relationship because we we help drive down some of the frictions that their customers may face when procuring insurance. They get the peace of mind that the coverage is there when they need it.

Um, we like to make our products as flexible as possible. We have a lot of usage-based products, pay as you go. Um, we have products that are paid by the minute, paid by the delivery, and things like that. Um and then the the you know underpinning all of that is our our claims organization. So we have Komodo Claims. uh based out of actually not too far from you. Our headquarters is in uh in Texas it for the US and we have um

We also have a great team out in the UK settling claims not only for ourselves but uh now third parties as well. And we're excited about uh leveraging a lot of new technologies when it comes to AI and and things like that to make our adjusters much more efficient and um That that's the that's the company today, about two hundred folks, um, split mostly between US and the UK.

Yeah, that's an amazing uh story. Thank you for walking us through uh your journey. I'm sure a lot of twists and turns and particularly as you you mentioned COVID, that was definitely kind of where my mind went of how did they make it through? But um yeah. And it sounds like you came out on the other side much stronger, even though I'm sure those are very trying times. What doesn't kill you makes you stronger.

Uh so I'd be remiss if um we didn't talk on the ensure tech geek podcast a little bit about the technology side. So maybe you can talk a little bit. Obviously you've you articulated that initial vision, right? Kind of this app, this experience, this this kind. Yeah, later pivoted toward M G A business model. becoming, you know, more of an embedded play with some of the the platform. So um maybe you can walk us through and in particular when you talk about having the claims in-house versus TPAs.

I'm thinking, well, that means you got to design your own claim system unless you're buying something off the shelf or whatnot. So maybe you can walk us through in parallel to what you did from some of the business twists and turns, some of the big forks in the road. Yeah, sure. So I think um the first big decision we sort of need needed to make was decide like what would be our policy.

uh you know, at the today there's actually a lot of great sort of companies that help uh up and coming startups uh kind of launch products quickly. Um, when we started like your options were sort of like GuideWire and Duck Creek and we certainly couldn't afford that. So the decision was sort of made for us and we decided to build our our Core system ourselves.

Um, I would say that uh it it turned out to be a lot more complex uh than we had envisioned. Um, especially when it comes to um satisfying the requirements not only for the US business uh but Europe as well, making it sort of global from the get go, multi currency, multi tenancy.

uh multi carrier um and then the added complexity of being able to embed those products, partner with platforms, um, expose APIs and transact uh uh business that way.

Uh and making it super simple, right? So in insurance is y you know, you're selling this hundred page contract with a lot of legalese in it, but uh how do you mo most people never read that piece of paper, right? So how do you How do you um make it as simple and easy for the customer to understand, you know, what the coverage options are? uh what it is that uh they buy, uh what what it is they need to buy and uh what happens in in the case of a claim.

You know, th those are all been areas that we've invested in. Um something a little bit like newer after COVID we developed. Um uh we focused a lot on on uh flexibility. A lot of our customers are um uh you know immigrants a lot of them are living paycheck to paycheck and so affordability and flexibility is definitely something that we try to solve for. And so we developed a usage based wallet.

um that embeds with our our partners and we can price insurance by any number of exposures. So we pr we could price by the minute, we could price by the delivery, by the ride. Um and so um that is um that that's another area that we've invested in and uh we'll we'll continue to roll out those types of products.

Um actually, you know, having developed the technology, it's the the regulatory side that's really been uh kind of the challenge of You know, in the US we're dealing with fifty states and um You know, not every state is open to a lot of these uh flexible products. So Um, we've been we've been experimenting with uh Circle Slines products. Um, and that's been uh that's allowed us to be uh a lot more creative in in some of the products that we've distributed today.

And did some of those regulatory challenges um lead you to kind of uh you know, you mentioned kind of the initial start around the the New York City area. Um but then you talked about going to the UK and then later making this acquisition of the California company that gave you the the full fifty states. Um I think a lot of people might find that kind of an interesting choice, right, to kind of branch out to to Europe and internationally before a full

Yeah, it's definitely uh I would say untraditional, but I think everything we do is sort of that traditional. Um Really it came out of uh wanting to solve the needs of our customers and our partners. And so, um, there was an opportunity working with with Uber in the London market and it's uh

We had uh capacity lined up at the time with the global reinsure and so it it sort of made sense for us to expand across the Atlantic. A lot of our engineering talent now sits in the UK, so it made things a little bit easier for us as well. Um, but yeah, as as you said, it was a non traditional path, but uh we are we are a global company from the get go.

Yeah, and then I think about right London I think of London and New York City as being somewhat similar city. I mean both have their own their own charm and their own beauty, right? But um just in terms of being large cities, um with like strong financial and insurance markets and a place that most people don't necessarily own their own car, right? Uh just because of the the cost of uh having to to to to store it to ensure that the payment

seem like those are two markets that have um some of the greatest needs. And particularly you talk about Um, so I I'm just curious, Dan, like you know, you kind of describe your marketplace and I'm thinking that a lot of these workers aren't working a traditional nine to five, right? And so um it's not just that, okay, I've got some type of So, how did maybe you know thinking about um not just the the needs but the the rhythms of

work itself and and you know how people are gonna interact with you, when they're gonna act with you. How did that maybe uh change your thinking about it how insurance should be designed and delivered?

Yeah, it's a great question. I think um, you know, the the the on-demand economy uh kind of spans personal and commercial uh exposure and um you know most of the products that you see uh in the market today are one or the other and what we what we've been trying to do is kind of meld those two uh products together.

Um and so we try to design all of our insurance products to work with customers and so I'll I'll give you a couple of examples of how we've been able to do that. Um so in the case of like the car share industry, um a lot of uh a lot of folks have you know, uh acquired one car and then they buy a second car or a third car and then they uh kind of uh rent out those assets uh on on platform on car sharing platforms.

And um, you know, most personal auto insurance, you know, w when you call up Geika and you say I'd like to add my tenth vehicle, typically they'll ask like, Hey, what what's going on here? And so their options are really to buy like a uh commercial rental car insurance uh policy, which is super expensive. And the other thing to keep in mind is when those vehicles are rented out uh to the end consumer.

A lot of times there's already commercial coverage that the the platform already provides. And so what we've done is we designed a product that basically covers them for the all-frontal portion of uh the before they actually rent out the vehicle. Um, super flexible, super inexpensive. Um, and uh it allows them to kind of get the coverage that they need before it's rented out so that they could do maintenance, you know.

repair work, uh oil changes, things like that. Um, that's one example. We have um other products that are kind of like the inverse of that. So as an example in the UK if you are a um delivery driver for, you know, platforms such as Amazon Flex, which is their kind of bring your own vehicle and do delivery work part time.

Um, you know, you typically have a personal auto policy, but you're missing that commercial coverage. And so we we sell an insurance policy that's the if the inverse of that. So we cover you just when you're doing the delivery work. uh we price that product based on how many deliveries you've done and the the hours that you've worked and it's it covers you for the commercial portion of that um of that exposure rather than the personal lines product that you probably have from somewhere else.

So everything that we do tries to kind of like uh get the product to work with the customer's way of life. Um, Dan, I'm thinking, you know, the obviously um I think a lot of people are familiar with with ride sharing, with card sharing uh car car sharing. Um

more the the shared economies you mentioned. Some people c call it the gig economy. And I'm thinking that there's a lot of other platforms out there, not limited to simply right vehicles um that are out there that probably have their own insurance challenges, their own unique insurance challenges. So I'm just kind of

Curious, like do you do you see opportunity there? Have you have you explored it? Have you had conversations with other folks in the space? Obviously, um, I think that traditional kind of nine to five, forty hours a week. You know, we see it in the healthcare industry, right? More Maybe there's some broader shifts in the economy that you're seeing that may lead to opportunities.

Yeah, I mean absolutely I think um, you know, I I would say wheels is kind of uh our expertise, our team's expertise and you know, a lot of the products and systems that we've designed are around wheels, commercial wheels.

Uh but our ambition is really to go much wider than that. And I think there's a ton of opportunity when it comes to like Uh if if you're a food delivery company, you're pro it's a two-sided marketplace and you have, you know, restaurants that you're doing business with as well that are um offering, you know, meals to folks. So there's certainly an opportunity to expand into other product lines. Um Uh, same with, you know, uh the retail kind of platforms doing delivery work as well.

And um and then we have like the up and coming autonomous revolution that that's coming as well that presents a lot of uh new opportunities when it comes to embedded products, usage based products, leveraging uh data in in new ways. Um, so we're excited by that as well. So where are we with those autonomous vehicles, Dan? I know we're a lot of hype probably ten years ago about the time Insure started and uh I know we have some out on the road, but it's still kind of more of a

something that folks read about today. But um you've probably been following the the develops and the the twists and turns in the road if I used a a poor metaphor. Um so yeah just curious maybe we can share with our audience kind of what's the state of play today.

Well, first of all, like the the product itself is uh developing at an incredible pace. I I don't know if you've you've taken a couple of these uh vehicles, but it's it's incredible. Um I own a Tesla, I love it. I fi I rarely ever drive anymore. Um, and so it's definitely coming and I think the insurance industry needs to um be prepared for it because these things don't get into accidents nearly as much as humans do. Um, they don't text and drive, they don't get distracted. Um

You know, do they make mistakes today? Yeah. But what I what I find in interesting is like the the industry is developing in uh different ways. And so you have some companies that are kind of developing dual use vehicles where, you know, perhaps you will drive it some portion of the time and then, you know, uh the system will take over uh fully autonomous. Uh, then there are uh platforms that are planning just for commercial kind of like rod share use a as well.

Um, and there are new opportunities that uh I think the insurance industry needs to think about. There's um, you know, these vehicles, even the ones that are fully autonomous and need and are taking passengers from point A to point B at the end of the day, they still need to be uh maintained, repaired, cleaned, car wash, uh and things like that. And so

Um, there are a number of these companies that are now um i in that space and they need new insurance products that frankly don't exist yet. And I think the insurance industry hasn't. um ha hasn't really like moved quick enough to to develop those products and that's something that we're working on as well. Um and so it's gonna be certainly an interesting space. Um I think uh auto's one of the largest lines of premium generations for

for the globe, uh, for the insurance industry. And I think that's that's about to change because the frequency and the severity. Severity may may go up, but frequency certainly will go down. Um, and so I'm excited to see what uh we're able to come up with for this uh uppercoping industry.

Yeah, I'm excited to hear that you're on top of this and thinking about this because I know I was kinda Theorizing several years ago and and wrote it uh a little bit about it in my book, The End of Insurance As We Know It, about um, you know, if you think about most of the expenses, right, that have been built up over time through right, most of the the leaders in the auto insurance.

uh industry space, particularly personal auto, I'm more familiar with than commercial auto, but I imagine it's similar, you know, they've been around for decades, right? And the basis of the model hasn't changed very much. You've got this requirement, you've got to have auto insurance. Of course you have losses and those can vary. uh you probably have some lae that varies as as well but most of the other expenses you know are covering right

commissions or or salaries or technology, you know, they're they're they're more fixed expenses. Um and so if your revenue drops by 50% because this this huge drop in in frequencies you kind of mentioned, right? What does this do for your bottle if you're typically running at a

twenty five percent expense ratio, you know, that may not they that may spike if you don't do anything from the expense side to to change your operations. And I I think radical you know, downsizing or or or streamlining or whatever folks have to do, they're gonna be very challenging. Yeah, a hundred percent. I think again this is where technology and AI can

can be a force of good, right? It it can um get efficiencies that you otherwise wouldn't be able to get from just, you know, human based talent. And that's something that, you know, we at Insure have been uh very excited about investing a lot into as well.

Uh so Dan, let's wrap up with uh a little bit of that future uh uh vision on uh where technology is is headed. I know it's probably enabled more flexible, more data driven insurance models. Obviously Uh uh we've talked on this podcast about the ability to actually fully leverage unstructured data in a way that just wasn't So how do you kind of see the the commercial auto? And I don't want to even limit it to that, but but start there evolving over the next.

Yeah, absolutely. So I think like it all starts with we think the world is on demand. We get food on demand, rides on demand, packages, uh, services. Soon we're gonna get autonomous vehicles on demand and we're actually getting it today as well. And insurance is a really big part of protecting this this new new economy. And so we're excited to build flexible, affordable, uh

data led insurance products that work with our customers' needs. And we're going to continue doing that across all of our markets and all of our product lines. And we're excited about where this industry goes next.

Yeah, that's exciting. Uh I don't know, Dan, if you've ever heard about the the ten ten rule, but this idea that it kind of takes ten years to kind of get started to to stabilize and then another ten kind of for the exponential growth phase. And so Uh I hope that might be in your future, knowing that you're hitting, as we we're in 2026, rapidly approaching your 10 year anniversary at a time

Yeah, I appreciate it. Thanks for uh thanks for that. Um and thanks for having me on. This has been uh an amazing conversation.

Fantastic. Well, uh a big thank you today to our guest, Dan Bratchbis from Ensure. Uh glad to have you on the program. It was uh a pleasure to uh hear your story and your journey. Um No thanks to James because he didn't show for this uh episode, but of course he'll be back uh shortly as we record future episodes and thank you most important our loyal audience for tuning in. today to geek out for our interview with Dan Bradbis from Insure.

The Insert Tech Geek Podcast is all about technology that's transforming and disrupting the insurance world. Hosted by James Benham at JamesBenham.com with co-host Rob Galbraith at Endofinsurance.com. The show takes listeners on a journey through insurance tech. So enjoy the ride and get