Latest / Thanks For Visiting / 435. Short-Term Rental Insurance 101 with Proper Insurance

Transcript

435. Short-Term Rental Insurance 101 with Proper Insurance · Thanks For Visiting

• 0:58
  Sarah Karakaian: Hello,
• 0:58
  Sarah Karakaian: welcome
• 0:58
  Sarah Karakaian: back
• 0:59
  Sarah Karakaian: for
• 0:59
  Sarah Karakaian: another
• 0:59
  Sarah Karakaian: great
• 0:59
  Sarah Karakaian: episode.
• 1:00
  Sarah Karakaian: My
• 1:00
  Sarah Karakaian: name
• 1:00
  Sarah Karakaian: is
• 1:00
  Sarah Karakaian: Sarah
• 1:01
  Sarah Karakaian: Karakaian.
• 1:01
  Annette Grant: I'm
• 1:01
  Annette Grant: Annette
• 1:02
  Annette Grant: Grant,
• 1:02
  Annette Grant: and
• 1:02
  Annette Grant: together
• 1:02
  Annette Grant: we
• 1:03
  Annette Grant: are
• 1:03
  Annette Grant: Thanks
• 1:04
  Annette Grant: for
• 1:04
  Annette Grant: Visiting!
• 1:04
  Sarah Karakaian: Let's
• 1:05
  Sarah Karakaian: kick
• 1:05
  Sarah Karakaian: off
• 1:05
  Sarah Karakaian: this
• 1:05
  Sarah Karakaian: episode
• 1:05
  Sarah Karakaian: like
• 1:06
  Sarah Karakaian: we
• 1:06
  Sarah Karakaian: do
• 1:06
  Sarah Karakaian: each
• 1:06
  Sarah Karakaian: and
• 1:06
  Sarah Karakaian: every
• 1:06
  Sarah Karakaian: week,
• 1:07
  Sarah Karakaian: and
• 1:07
  Sarah Karakaian: that's
• 1:07
  Sarah Karakaian: featuring
• 1:07
  Sarah Karakaian: one
• 1:07
  Sarah Karakaian: of
• 1:07
  Sarah Karakaian: you,
• 1:08
  Sarah Karakaian: our
• 1:08
  Sarah Karakaian: incredible
• 1:08
  Sarah Karakaian: listeners
• 1:09
  Sarah Karakaian: who's
• 1:09
  Sarah Karakaian: going
• 1:09
  Sarah Karakaian: to
• 1:09
  Sarah Karakaian: strshare.com,
• 1:11
  Sarah Karakaian: sharing
• 1:12
  Sarah Karakaian: everything
• 1:12
  Sarah Karakaian: you
• 1:12
  Sarah Karakaian: can
• 1:12
  Sarah Karakaian: about
• 1:13
  Sarah Karakaian: your
• 1:13
  Sarah Karakaian: short-term
• 1:14
  Sarah Karakaian: rental,
• 1:14
  Sarah Karakaian: so
• 1:14
  Sarah Karakaian: we
• 1:14
  Sarah Karakaian: can
• 1:15
  Sarah Karakaian: share
• 1:15
  Sarah Karakaian: you
• 1:15
  Sarah Karakaian: here
• 1:15
  Sarah Karakaian: on
• 1:15
  Sarah Karakaian: the
• 1:16
  Sarah Karakaian: podcast,
• 1:16
  Sarah Karakaian: on
• 1:16
  Sarah Karakaian: our
• 1:16
  Sarah Karakaian: Instagram
• 1:17
  Sarah Karakaian: on
• 1:17
  Sarah Karakaian: Sundays.
• 1:18
  Sarah Karakaian: Annette,
• 1:18
  Sarah Karakaian: who
• 1:19
  Sarah Karakaian: are
• 1:19
  Sarah Karakaian: we
• 1:19
  Sarah Karakaian: sharing
• 1:19
  Sarah Karakaian: this
• 1:19
  Sarah Karakaian: week?
• 1:20
  Annette Grant: This
• 1:20
  Annette Grant: week
• 1:20
  Annette Grant: we
• 1:21
  Annette Grant: are
• 1:21
  Annette Grant: sharing
• 1:22
  Annette Grant: DeLonga
• 1:22
  Annette Grant: Estate.
• 1:23
  Annette Grant: And
• 1:23
  Annette Grant: wow,
• 1:24
  Annette Grant: it
• 1:24
  Annette Grant: is
• 1:24
  Annette Grant: a
• 1:24
  Annette Grant: showstopper
• 1:25
  Annette Grant: property.
• 1:26
  Annette Grant: They
• 1:26
  Annette Grant: are
• 1:26
  Annette Grant: on
• 1:26
  Annette Grant: 13
• 1:27
  Annette Grant: acres.
• 1:29
  Annette Grant: Private
• 1:29
  Annette Grant: acres.
• 1:30
  Annette Grant: Love
• 1:30
  Annette Grant: it.
• 1:31
  Annette Grant: One
• 1:31
  Annette Grant: thing
• 1:31
  Annette Grant: that
• 1:31
  Annette Grant: really
• 1:32
  Annette Grant: sticks
• 1:32
  Annette Grant: out,
• 1:32
  Annette Grant: and
• 1:32
  Annette Grant: I
• 1:32
  Annette Grant: want
• 1:33
  Annette Grant: to
• 1:33
  Annette Grant: share
• 1:33
  Annette Grant: this
• 1:33
  Annette Grant: with
• 1:33
  Annette Grant: everybody,
• 1:34
  Annette Grant: Sarah
• 1:34
  Annette Grant: and
• 1:34
  Annette Grant: I
• 1:34
  Annette Grant: both,
• 1:35
  Annette Grant: Like,
• 1:35
  Annette Grant: saw
• 1:36
  Annette Grant: this
• 1:36
  Annette Grant: and
• 1:36
  Annette Grant: said
• 1:37
  Annette Grant: it
• 1:37
  Annette Grant: at
• 1:37
  Annette Grant: the
• 1:37
  Annette Grant: same
• 1:37
  Annette Grant: time.
• 1:38
  Annette Grant: They
• 1:38
  Annette Grant: have
• 1:38
  Annette Grant: six
• 1:39
  Annette Grant: bedrooms
• 1:40
  Annette Grant: and
• 1:40
  Annette Grant: five
• 1:40
  Annette Grant: and
• 1:40
  Annette Grant: a
• 1:40
  Annette Grant: half
• 1:41
  Annette Grant: bathrooms.
• 1:41
  Annette Grant: Love
• 1:42
  Annette Grant: that
• 1:42
  Annette Grant: ratio.
• 1:42
  Annette Grant: And
• 1:43
  Annette Grant: we
• 1:43
  Annette Grant: just
• 1:43
  Annette Grant: want
• 1:44
  Annette Grant: to
• 1:44
  Annette Grant: share
• 1:44
  Annette Grant: that
• 1:45
  Annette Grant: if
• 1:45
  Annette Grant: you
• 1:45
  Annette Grant: are
• 1:45
  Annette Grant: building
• 1:46
  Annette Grant: out
• 1:47
  Annette Grant: a
• 1:47
  Annette Grant: home,
• 1:48
  Annette Grant: please
• 1:48
  Annette Grant: make
• 1:49
  Annette Grant: sure
• 1:49
  Annette Grant: your
• 1:49
  Annette Grant: bedroom
• 1:50
  Annette Grant: bathroom
• 1:50
  Annette Grant: count
• 1:51
  Annette Grant: makes
• 1:52
  Annette Grant: sense.
• 1:52
  Annette Grant: We
• 1:52
  Annette Grant: see
• 1:52
  Annette Grant: so
• 1:53
  Annette Grant: many
• 1:53
  Annette Grant: five
• 1:54
  Annette Grant: bedrooms,
• 1:54
  Annette Grant: 1.
• 1:54
  Annette Grant: 5
• 1:55
  Annette Grant: baths.
• 1:56
  Annette Grant: And
• 1:56
  Annette Grant: that
• 1:56
  Annette Grant: math
• 1:56
  Annette Grant: ain't
• 1:57
  Annette Grant: mathin
• 1:57
  Annette Grant: for
• 1:57
  Annette Grant: me.
• 1:58
  Annette Grant: That
• 1:58
  Annette Grant: toilet
• 1:58
  Annette Grant: time
• 1:59
  Annette Grant: math
• 1:59
  Annette Grant: is
• 1:59
  Annette Grant: not
• 1:59
  Annette Grant: mathin
• 2:00
  Annette Grant: Shower
• 2:01
  Annette Grant: time.
• 2:01
  Annette Grant: It's
• 2:02
  Annette Grant: just
• 2:02
  Annette Grant: a,
• 2:02
  Annette Grant: it's
• 2:03
  Annette Grant: not
• 2:03
  Annette Grant: working.
• 2:04
  Annette Grant: So
• 2:04
  Annette Grant: I
• 2:04
  Annette Grant: want
• 2:04
  Annette Grant: to
• 2:04
  Annette Grant: say
• 2:05
  Annette Grant: they've
• 2:05
  Annette Grant: done
• 2:05
  Annette Grant: an
• 2:05
  Annette Grant: excellent
• 2:06
  Annette Grant: job.
• 2:06
  Annette Grant: The
• 2:06
  Annette Grant: other
• 2:06
  Annette Grant: thing
• 2:07
  Annette Grant: I
• 2:07
  Annette Grant: saw
• 2:07
  Annette Grant: that
• 2:07
  Annette Grant: they
• 2:08
  Annette Grant: recently,
• 2:08
  Annette Grant: um,
• 2:09
  Annette Grant: They,
• 2:10
  Annette Grant: they
• 2:10
  Annette Grant: have
• 2:10
  Annette Grant: a
• 2:10
  Annette Grant: pretty
• 2:11
  Annette Grant: extensive,
• 2:12
  Annette Grant: like,
• 2:12
  Annette Grant: amazing,
• 2:13
  Annette Grant: uh,
• 2:14
  Annette Grant: basement
• 2:15
  Annette Grant: that
• 2:15
  Annette Grant: they
• 2:15
  Annette Grant: put
• 2:16
  Annette Grant: a
• 2:16
  Annette Grant: lot
• 2:16
  Annette Grant: of
• 2:16
  Annette Grant: hard
• 2:17
  Annette Grant: work
• 2:17
  Annette Grant: in,
• 2:17
  Annette Grant: like,
• 2:17
  Annette Grant: after
• 2:18
  Annette Grant: they
• 2:18
  Annette Grant: built
• 2:18
  Annette Grant: it.
• 2:18
  Annette Grant: And
• 2:18
  Annette Grant: it
• 2:18
  Annette Grant: is
• 2:19
  Annette Grant: a
• 2:19
  Annette Grant: showstopper,
• 2:20
  Annette Grant: um,
• 2:21
  Annette Grant: and
• 2:21
  Annette Grant: it
• 2:21
  Annette Grant: is,
• 2:22
  Annette Grant: Just
• 2:23
  Annette Grant: a
• 2:23
  Annette Grant: wow
• 2:23
  Annette Grant: factor.
• 2:24
  Annette Grant: That's
• 2:24
  Annette Grant: where
• 2:24
  Annette Grant: they
• 2:25
  Annette Grant: kind
• 2:25
  Annette Grant: of
• 2:25
  Annette Grant: put
• 2:25
  Annette Grant: their
• 2:25
  Annette Grant: gaming
• 2:26
  Annette Grant: room.
• 2:26
  Annette Grant: They
• 2:26
  Annette Grant: put
• 2:26
  Annette Grant: some
• 2:26
  Annette Grant: rooms,
• 2:27
  Annette Grant: um,
• 2:27
  Annette Grant: some
• 2:28
  Annette Grant: extra
• 2:28
  Annette Grant: bedrooms
• 2:28
  Annette Grant: down
• 2:29
  Annette Grant: there,
• 2:29
  Annette Grant: but
• 2:29
  Annette Grant: do
• 2:30
  Annette Grant: not
• 2:30
  Annette Grant: discount,
• 2:31
  Annette Grant: you
• 2:31
  Annette Grant: know,
• 2:31
  Annette Grant: a
• 2:31
  Annette Grant: walkout
• 2:32
  Annette Grant: basement
• 2:32
  Annette Grant: and
• 2:32
  Annette Grant: how
• 2:32
  Annette Grant: much
• 2:32
  Annette Grant: that
• 2:33
  Annette Grant: can
• 2:33
  Annette Grant: bring
• 2:34
  Annette Grant: to
• 2:34
  Annette Grant: your
• 2:34
  Annette Grant: site,
• 2:35
  Annette Grant: um,
• 2:35
  Annette Grant: to,
• 2:36
  Annette Grant: to
• 2:36
  Annette Grant: your
• 2:36
  Annette Grant: property.
• 2:37
  Annette Grant: I
• 2:37
  Annette Grant: think
• 2:37
  Annette Grant: they'd
• 2:37
  Annette Grant: probably
• 2:37
  Annette Grant: be
• 2:38
  Annette Grant: a,
• 2:38
  Annette Grant: ripe
• 2:39
  Annette Grant: for
• 2:39
  Annette Grant: a
• 2:39
  Annette Grant: parent
• 2:39
  Annette Grant: child
• 2:40
  Annette Grant: listing.
• 2:41
  Annette Grant: If
• 2:41
  Annette Grant: you
• 2:41
  Annette Grant: don't
• 2:41
  Annette Grant: do
• 2:41
  Annette Grant: a
• 2:41
  Annette Grant: parent
• 2:42
  Annette Grant: child
• 2:42
  Annette Grant: listing,
• 2:42
  Annette Grant: everybody,
• 2:43
  Annette Grant: what
• 2:43
  Annette Grant: are
• 2:43
  Annette Grant: you
• 2:44
  Annette Grant: even
• 2:44
  Annette Grant: doing?
• 2:44
  Annette Grant: But
• 2:45
  Annette Grant: well
• 2:45
  Annette Grant: done.
• 2:46
  Annette Grant: Check
• 2:46
  Annette Grant: out
• 2:46
  Annette Grant: their,
• 2:47
  Annette Grant: um,
• 2:47
  Annette Grant: check
• 2:47
  Annette Grant: out
• 2:48
  Annette Grant: their
• 2:48
  Annette Grant: use
• 2:48
  Annette Grant: of
• 2:49
  Annette Grant: video
• 2:49
  Annette Grant: throughout
• 2:49
  Annette Grant: their
• 2:50
  Annette Grant: Instagram
• 2:50
  Annette Grant: too.
• 2:51
  Annette Grant: They
• 2:51
  Annette Grant: use
• 2:51
  Annette Grant: a
• 2:51
  Annette Grant: lot
• 2:52
  Annette Grant: of
• 2:52
  Annette Grant: just
• 2:53
  Annette Grant: video
• 2:53
  Annette Grant: so
• 2:53
  Annette Grant: you
• 2:53
  Annette Grant: really
• 2:54
  Annette Grant: get
• 2:54
  Annette Grant: a
• 2:54
  Annette Grant: feel
• 2:54
  Annette Grant: because
• 2:54
  Annette Grant: the
• 2:54
  Annette Grant: home
• 2:55
  Annette Grant: is
• 2:55
  Annette Grant: amazing.
• 2:56
  Annette Grant: Well
• 2:56
  Annette Grant: done.
• 2:56
  Annette Grant: Thanks
• 2:57
  Annette Grant: for
• 2:57
  Annette Grant: going
• 2:57
  Annette Grant: to
• 2:58
  Annette Grant: STR
• 2:58
  Annette Grant: Share.
• 3:00
  Annette Grant: Sarah.
• 3:01
  Annette Grant: Okay.
• 3:01
  Annette Grant: Today.
• 3:02
  Annette Grant: Oh,
• 3:02
  Annette Grant: listen.
• 3:02
  Annette Grant: Let's
• 3:02
  Annette Grant: get,
• 3:03
  Annette Grant: let's
• 3:03
  Annette Grant: get
• 3:03
  Annette Grant: to
• 3:04
  Annette Grant: today's
• 3:04
  Annette Grant: episode.
• 3:05
  Sarah Karakaian: It's,
• 3:05
  Sarah Karakaian: it's,
• 3:06
  Sarah Karakaian: it's
• 3:06
  Sarah Karakaian: a,
• 3:06
  Sarah Karakaian: first
• 3:06
  Sarah Karakaian: of
• 3:06
  Sarah Karakaian: all,
• 3:07
  Sarah Karakaian: it's,
• 3:07
  Sarah Karakaian: it's
• 3:07
  Sarah Karakaian: on
• 3:07
  Sarah Karakaian: the
• 3:07
  Sarah Karakaian: longer
• 3:08
  Sarah Karakaian: side
• 3:08
  Sarah Karakaian: listeners.
• 3:08
  Annette Grant: It's
• 3:09
  Annette Grant: important.
• 3:09
  Sarah Karakaian: But
• 3:09
  Sarah Karakaian: it's
• 3:10
  Sarah Karakaian: important
• 3:11
  Sarah Karakaian: and
• 3:12
  Sarah Karakaian: it's
• 3:12
  Sarah Karakaian: with
• 3:12
  Sarah Karakaian: proper
• 3:13
  Sarah Karakaian: insurance.
• 3:14
  Sarah Karakaian: We
• 3:14
  Sarah Karakaian: are
• 3:14
  Sarah Karakaian: a
• 3:15
  Sarah Karakaian: customer
• 3:15
  Sarah Karakaian: of
• 3:15
  Sarah Karakaian: proper
• 3:15
  Sarah Karakaian: insurance
• 3:16
  Sarah Karakaian: and
• 3:16
  Sarah Karakaian: have
• 3:16
  Sarah Karakaian: been
• 3:16
  Sarah Karakaian: for
• 3:17
  Sarah Karakaian: years
• 3:17
  Sarah Karakaian: and
• 3:17
  Sarah Karakaian: years.
• 3:18
  Sarah Karakaian: And
• 3:19
  Sarah Karakaian: they
• 3:20
  Sarah Karakaian: continue
• 3:20
  Sarah Karakaian: to
• 3:20
  Sarah Karakaian: be
• 3:20
  Sarah Karakaian: one
• 3:21
  Sarah Karakaian: of
• 3:21
  Sarah Karakaian: the
• 3:21
  Sarah Karakaian: most
• 3:21
  Sarah Karakaian: transparent
• 3:22
  Sarah Karakaian: partners
• 3:23
  Sarah Karakaian: that
• 3:23
  Sarah Karakaian: we've
• 3:24
  Sarah Karakaian: had
• 3:24
  Sarah Karakaian: as
• 3:24
  Sarah Karakaian: operators
• 3:26
  Sarah Karakaian: and
• 3:26
  Sarah Karakaian: they
• 3:26
  Sarah Karakaian: don't
• 3:26
  Sarah Karakaian: sugarcoat
• 3:27
  Sarah Karakaian: things.
• 3:28
  Sarah Karakaian: They
• 3:28
  Sarah Karakaian: don't
• 3:28
  Sarah Karakaian: lie
• 3:28
  Sarah Karakaian: that
• 3:29
  Sarah Karakaian: they
• 3:29
  Sarah Karakaian: are
• 3:29
  Sarah Karakaian: one
• 3:29
  Sarah Karakaian: of
• 3:29
  Sarah Karakaian: the
• 3:30
  Sarah Karakaian: more
• 3:30
  Sarah Karakaian: expensive
• 3:30
  Sarah Karakaian: options
• 3:31
  Sarah Karakaian: out
• 3:31
  Sarah Karakaian: there
• 3:31
  Sarah Karakaian: for
• 3:31
  Sarah Karakaian: short
• 3:32
  Sarah Karakaian: term
• 3:32
  Sarah Karakaian: rental
• 3:32
  Sarah Karakaian: coverage,
• 3:33
  Sarah Karakaian: but
• 3:33
  Sarah Karakaian: they
• 3:33
  Sarah Karakaian: know
• 3:33
  Sarah Karakaian: their
• 3:34
  Sarah Karakaian: stuff.
• 3:34
  Sarah Karakaian: They
• 3:34
  Sarah Karakaian: see
• 3:34
  Sarah Karakaian: a
• 3:34
  Sarah Karakaian: lot
• 3:35
  Sarah Karakaian: of
• 3:35
  Sarah Karakaian: stuff.
• 3:35
  Sarah Karakaian: And
• 3:36
  Sarah Karakaian: today
• 3:36
  Sarah Karakaian: we
• 3:36
  Sarah Karakaian: have
• 3:36
  Sarah Karakaian: on
• 3:36
  Sarah Karakaian: the
• 3:36
  Sarah Karakaian: show,
• 3:37
  Sarah Karakaian: Nick
• 3:37
  Sarah Karakaian: Massey,
• 3:38
  Sarah Karakaian: who's
• 3:38
  Sarah Karakaian: the
• 3:38
  Sarah Karakaian: chief
• 3:38
  Sarah Karakaian: sales
• 3:38
  Sarah Karakaian: officer
• 3:39
  Sarah Karakaian: at
• 3:39
  Sarah Karakaian: Proper
• 3:39
  Sarah Karakaian: Insurance
• 3:40
  Sarah Karakaian: and
• 3:40
  Sarah Karakaian: is
• 3:40
  Sarah Karakaian: considered
• 3:41
  Sarah Karakaian: an
• 3:41
  Sarah Karakaian: insurance
• 3:41
  Sarah Karakaian: expert
• 3:42
  Sarah Karakaian: with
• 3:42
  Sarah Karakaian: over
• 3:42
  Sarah Karakaian: eight
• 3:42
  Sarah Karakaian: years
• 3:43
  Sarah Karakaian: in
• 3:43
  Sarah Karakaian: the
• 3:43
  Sarah Karakaian: industry.
• 3:44
  Sarah Karakaian: And
• 3:45
  Sarah Karakaian: Nick
• 3:46
  Sarah Karakaian: does
• 3:46
  Sarah Karakaian: not
• 3:46
  Sarah Karakaian: shy
• 3:46
  Sarah Karakaian: away
• 3:47
  Sarah Karakaian: from
• 3:47
  Sarah Karakaian: educating
• 3:47
  Sarah Karakaian: you,
• 3:48
  Sarah Karakaian: whether
• 3:48
  Sarah Karakaian: you
• 3:48
  Sarah Karakaian: ever
• 3:48
  Sarah Karakaian: become
• 3:49
  Sarah Karakaian: a
• 3:49
  Sarah Karakaian: client
• 3:50
  Sarah Karakaian: of
• 3:50
  Sarah Karakaian: proper
• 3:50
  Sarah Karakaian: insurance
• 3:51
  Sarah Karakaian: or
• 3:51
  Sarah Karakaian: not.
• 3:52
  Sarah Karakaian: Obviously,
• 3:52
  Sarah Karakaian: I
• 3:52
  Sarah Karakaian: don't
• 3:53
  Sarah Karakaian: say
• 3:53
  Sarah Karakaian: it
• 3:53
  Sarah Karakaian: doesn't
• 3:53
  Sarah Karakaian: matter
• 3:53
  Sarah Karakaian: to
• 3:53
  Sarah Karakaian: him.
• 3:53
  Sarah Karakaian: It
• 3:53
  Sarah Karakaian: does
• 3:54
  Sarah Karakaian: matter
• 3:54
  Sarah Karakaian: to
• 3:54
  Sarah Karakaian: him,
• 3:54
  Sarah Karakaian: but
• 3:55
  Sarah Karakaian: what
• 3:55
  Sarah Karakaian: he
• 3:55
  Sarah Karakaian: wants,
• 3:55
  Sarah Karakaian: what
• 3:55
  Sarah Karakaian: he
• 3:55
  Sarah Karakaian: cares
• 3:56
  Sarah Karakaian: more
• 3:56
  Sarah Karakaian: about
• 3:57
  Sarah Karakaian: is
• 3:57
  Sarah Karakaian: educating
• 3:58
  Sarah Karakaian: hosts,
• 3:58
  Sarah Karakaian: whether
• 3:59
  Sarah Karakaian: you're
• 3:59
  Sarah Karakaian: an
• 3:59
  Sarah Karakaian: owner,
• 4:00
  Sarah Karakaian: a
• 4:00
  Sarah Karakaian: co
• 4:00
  Sarah Karakaian: host,
• 4:01
  Sarah Karakaian: an
• 4:01
  Sarah Karakaian: arbitrager,
• 4:02
  Sarah Karakaian: does
• 4:02
  Sarah Karakaian: not
• 4:02
  Sarah Karakaian: discriminate.
• 4:03
  Sarah Karakaian: And
• 4:03
  Sarah Karakaian: there's
• 4:03
  Sarah Karakaian: things
• 4:04
  Sarah Karakaian: that
• 4:04
  Sarah Karakaian: you're
• 4:04
  Sarah Karakaian: going
• 4:04
  Sarah Karakaian: to
• 4:04
  Sarah Karakaian: learn
• 4:04
  Sarah Karakaian: in
• 4:04
  Sarah Karakaian: today's
• 4:04
  Sarah Karakaian: episode
• 4:05
  Sarah Karakaian: that
• 4:05
  Sarah Karakaian: are
• 4:06
  Sarah Karakaian: going
• 4:06
  Sarah Karakaian: to
• 4:06
  Sarah Karakaian: make
• 4:06
  Sarah Karakaian: you
• 4:06
  Sarah Karakaian: a
• 4:07
  Sarah Karakaian: more
• 4:07
  Sarah Karakaian: thoughtful,
• 4:08
  Sarah Karakaian: risk
• 4:09
  Sarah Karakaian: manager
• 4:10
  Sarah Karakaian: of
• 4:11
  Sarah Karakaian: your
• 4:11
  Sarah Karakaian: short
• 4:11
  Sarah Karakaian: term
• 4:11
  Sarah Karakaian: rental
• 4:12
  Sarah Karakaian: business,
• 4:12
  Sarah Karakaian: whatever
• 4:13
  Sarah Karakaian: that
• 4:13
  Sarah Karakaian: might
• 4:14
  Sarah Karakaian: be.
• 4:14
  Sarah Karakaian: And
• 4:15
  Sarah Karakaian: wait
• 4:15
  Sarah Karakaian: till
• 4:15
  Sarah Karakaian: you
• 4:16
  Sarah Karakaian: hear
• 4:16
  Sarah Karakaian: just
• 4:17
  Sarah Karakaian: some
• 4:17
  Sarah Karakaian: of
• 4:17
  Sarah Karakaian: the
• 4:17
  Sarah Karakaian: stories
• 4:18
  Sarah Karakaian: that
• 4:18
  Sarah Karakaian: Nick
• 4:18
  Sarah Karakaian: has
• 4:19
  Sarah Karakaian: working
• 4:19
  Sarah Karakaian: at
• 4:19
  Sarah Karakaian: Proper
• 4:20
  Sarah Karakaian: over
• 4:20
  Sarah Karakaian: the
• 4:20
  Sarah Karakaian: years
• 4:21
  Sarah Karakaian: of
• 4:21
  Sarah Karakaian: people
• 4:21
  Sarah Karakaian: that
• 4:21
  Sarah Karakaian: are
• 4:21
  Sarah Karakaian: underinsured,
• 4:23
  Sarah Karakaian: of
• 4:23
  Sarah Karakaian: people
• 4:23
  Sarah Karakaian: that
• 4:23
  Sarah Karakaian: just
• 4:24
  Sarah Karakaian: count
• 4:24
  Sarah Karakaian: on
• 4:24
  Sarah Karakaian: air
• 4:24
  Sarah Karakaian: cover,
• 4:25
  Sarah Karakaian: and
• 4:25
  Sarah Karakaian: what
• 4:25
  Sarah Karakaian: happens
• 4:25
  Sarah Karakaian: when
• 4:26
  Sarah Karakaian: air
• 4:26
  Sarah Karakaian: cover
• 4:27
  Sarah Karakaian: denies
• 4:27
  Sarah Karakaian: you
• 4:27
  Sarah Karakaian: because
• 4:28
  Sarah Karakaian: they
• 4:28
  Sarah Karakaian: don't
• 4:28
  Sarah Karakaian: have
• 4:28
  Sarah Karakaian: to
• 4:29
  Sarah Karakaian: protect
• 4:30
  Sarah Karakaian: you.
• 4:30
  Sarah Karakaian: It's
• 4:30
  Sarah Karakaian: eye
• 4:31
  Sarah Karakaian: opening.
• 4:32
  Sarah Karakaian: It's
• 4:33
  Sarah Karakaian: educational.
• 4:35
  Sarah Karakaian: Let's
• 4:35
  Sarah Karakaian: get
• 4:35
  Sarah Karakaian: to
• 4:35
  Sarah Karakaian: it.
• 4:35
  Sarah Karakaian: Nick,
• 4:36
  Sarah Karakaian: welcome
• 4:37
  Sarah Karakaian: to
• 4:38
  Sarah Karakaian: the
• 4:38
  Sarah Karakaian: show.
• 4:38
  Sarah Karakaian: We
• 4:38
  Sarah Karakaian: are
• 4:38
  Sarah Karakaian: so
• 4:38
  Sarah Karakaian: excited
• 4:39
  Sarah Karakaian: to
• 4:39
  Sarah Karakaian: have
• 4:39
  Sarah Karakaian: you
• 4:39
  Sarah Karakaian: on.
• 4:40
  Sarah Karakaian: And
• 4:40
  Sarah Karakaian: you
• 4:40
  Sarah Karakaian: know
• 4:40
  Sarah Karakaian: what?
• 4:41
  Sarah Karakaian: I
• 4:41
  Sarah Karakaian: will
• 4:41
  Sarah Karakaian: say
• 4:41
  Sarah Karakaian: every
• 4:42
  Sarah Karakaian: time
• 4:42
  Sarah Karakaian: we
• 4:42
  Sarah Karakaian: talk
• 4:42
  Sarah Karakaian: to
• 4:42
  Sarah Karakaian: Proper,
• 4:43
  Sarah Karakaian: you
• 4:43
  Sarah Karakaian: guys
• 4:43
  Sarah Karakaian: make
• 4:43
  Sarah Karakaian: insurance
• 4:44
  Sarah Karakaian: educational.
• 4:46
  Sarah Karakaian: Fun,
• 4:46
  Sarah Karakaian: slightly
• 4:47
  Sarah Karakaian: terrifying,
• 4:48
  Sarah Karakaian: but
• 4:48
  Sarah Karakaian: in
• 4:48
  Sarah Karakaian: a
• 4:48
  Sarah Karakaian: healthy
• 4:49
  Sarah Karakaian: dose
• 4:49
  Sarah Karakaian: sort
• 4:49
  Sarah Karakaian: of
• 4:49
  Sarah Karakaian: way.
• 4:50
  Sarah Karakaian: So
• 4:50
  Sarah Karakaian: I'm
• 4:50
  Sarah Karakaian: excited
• 4:51
  Sarah Karakaian: for
• 4:51
  Sarah Karakaian: this
• 4:51
  Sarah Karakaian: conversation.
• 4:53
  Nick Massey: Same.
• 4:53
  Nick Massey: Thanks
• 4:53
  Nick Massey: for
• 4:54
  Nick Massey: having
• 4:54
  Nick Massey: me.
• 4:54
  Nick Massey: Yeah,
• 4:54
  Nick Massey: the,
• 4:55
  Nick Massey: at
• 4:55
  Nick Massey: least
• 4:56
  Nick Massey: the
• 4:56
  Nick Massey: last
• 4:56
  Nick Massey: decade
• 4:56
  Nick Massey: of
• 4:56
  Nick Massey: my
• 4:56
  Nick Massey: career
• 4:57
  Nick Massey: here
• 4:57
  Nick Massey: has
• 4:57
  Nick Massey: been,
• 4:58
  Nick Massey: let's
• 4:58
  Nick Massey: try
• 4:58
  Nick Massey: to
• 4:58
  Nick Massey: make
• 4:59
  Nick Massey: things
• 4:59
  Nick Massey: digestible.
• 5:00
  Sarah Karakaian: Yes.
• 5:00
  Sarah Karakaian: Yeah.
• 5:01
  Nick Massey: Um,
• 5:01
  Nick Massey: there
• 5:02
  Nick Massey: needs
• 5:02
  Nick Massey: to
• 5:02
  Nick Massey: be
• 5:02
  Nick Massey: a
• 5:02
  Nick Massey: little.
• 5:03
  Nick Massey: You
• 5:03
  Nick Massey: know,
• 5:04
  Nick Massey: fear
• 5:04
  Nick Massey: and
• 5:04
  Nick Massey: risk
• 5:05
  Nick Massey: management.
• 5:05
  Nick Massey: I
• 5:06
  Nick Massey: mean,
• 5:06
  Nick Massey: we
• 5:06
  Nick Massey: all
• 5:06
  Nick Massey: know
• 5:06
  Nick Massey: Justin
• 5:07
  Nick Massey: Ford
• 5:07
  Nick Massey: and
• 5:07
  Nick Massey: maybe
• 5:08
  Nick Massey: I'd
• 5:08
  Nick Massey: just
• 5:08
  Nick Massey: let
• 5:08
  Nick Massey: him
• 5:09
  Nick Massey: stay
• 5:09
  Nick Massey: with
• 5:09
  Nick Massey: the
• 5:09
  Nick Massey: scary
• 5:10
  Nick Massey: stories
• 5:10
  Nick Massey: for
• 5:10
  Nick Massey: the
• 5:10
  Nick Massey: most
• 5:10
  Nick Massey: part,
• 5:11
  Nick Massey: but
• 5:12
  Nick Massey: uh,
• 5:12
  Nick Massey: insurance
• 5:12
  Nick Massey: is
• 5:13
  Nick Massey: also
• 5:13
  Nick Massey: inherently
• 5:13
  Nick Massey: confusing.
• 5:14
  Nick Massey: So
• 5:14
  Nick Massey: whatever
• 5:15
  Nick Massey: we
• 5:15
  Nick Massey: can
• 5:15
  Nick Massey: do
• 5:15
  Nick Massey: to,
• 5:16
  Nick Massey: to
• 5:16
  Nick Massey: kind
• 5:17
  Nick Massey: of
• 5:17
  Nick Massey: get
• 5:17
  Nick Massey: it
• 5:17
  Nick Massey: down
• 5:18
  Nick Massey: to
• 5:18
  Nick Massey: ground
• 5:18
  Nick Massey: level
• 5:19
  Nick Massey: and,
• 5:19
  Nick Massey: and
• 5:19
  Nick Massey: not
• 5:19
  Nick Massey: all
• 5:19
  Nick Massey: jargon
• 5:20
  Nick Massey: and,
• 5:21
  Nick Massey: and
• 5:21
  Nick Massey: demystify
• 5:22
  Nick Massey: is
• 5:22
  Nick Massey: the
• 5:22
  Nick Massey: word,
• 5:23
  Nick Massey: uh,
• 5:24
  Nick Massey: it's,
• 5:24
  Nick Massey: it's
• 5:24
  Nick Massey: everything
• 5:25
  Nick Massey: that
• 5:25
  Nick Massey: we
• 5:25
  Nick Massey: look
• 5:26
  Nick Massey: to,
• 5:26
  Nick Massey: to
• 5:26
  Nick Massey: try
• 5:26
  Nick Massey: and
• 5:26
  Nick Massey: accomplish.
• 5:27
  Annette Grant: I'm
• 5:27
  Annette Grant: just,
• 5:28
  Annette Grant: I'm
• 5:28
  Annette Grant: going
• 5:28
  Annette Grant: to,
• 5:28
  Annette Grant: I'm
• 5:28
  Annette Grant: going
• 5:28
  Annette Grant: to
• 5:28
  Annette Grant: go,
• 5:29
  Annette Grant: I'm
• 5:29
  Annette Grant: going
• 5:29
  Annette Grant: to
• 5:29
  Annette Grant: go
• 5:29
  Annette Grant: in
• 5:29
  Annette Grant: for
• 5:29
  Annette Grant: the
• 5:29
  Annette Grant: killer
• 5:30
  Annette Grant: right
• 5:30
  Annette Grant: now.
• 5:30
  Annette Grant: This
• 5:30
  Annette Grant: is
• 5:30
  Annette Grant: what
• 5:30
  Annette Grant: she
• 5:30
  Annette Grant: does,
• 5:31
  Annette Grant: Nick,
• 5:31
  Annette Grant: so
• 5:31
  Annette Grant: get
• 5:31
  Annette Grant: ready.
• 5:32
  Annette Grant: Nick,
• 5:33
  Annette Grant: why
• 5:34
  Annette Grant: do
• 5:34
  Annette Grant: we
• 5:34
  Annette Grant: even
• 5:34
  Annette Grant: need
• 5:34
  Annette Grant: insurance?
• 5:35
  Annette Grant: Because
• 5:35
  Annette Grant: we
• 5:35
  Annette Grant: have
• 5:35
  Annette Grant: AirCover.
• 5:36
  Nick Massey: Well,
• 5:37
  Nick Massey: uh,
• 5:37
  Nick Massey: AirCover
• 5:37
  Nick Massey: is
• 5:37
  Nick Massey: an
• 5:38
  Nick Massey: insurance.
• 5:38
  Nick Massey: It's
• 5:38
  Nick Massey: not
• 5:39
  Nick Massey: a
• 5:39
  Nick Massey: policy
• 5:39
  Nick Massey: with
• 5:39
  Nick Massey: your
• 5:39
  Nick Massey: name
• 5:40
  Nick Massey: on
• 5:40
  Nick Massey: it.
• 5:40
  Nick Massey: So
• 5:40
  Nick Massey: you
• 5:40
  Nick Massey: technically
• 5:41
  Nick Massey: don't
• 5:41
  Nick Massey: have
• 5:41
  Nick Massey: policy
• 5:41
  Nick Massey: rights.
• 5:42
  Nick Massey: Um,
• 5:43
  Nick Massey: it's
• 5:43
  Annette Grant: Oh,
• 5:44
  Annette Grant: I
• 5:44
  Annette Grant: want
• 5:44
  Annette Grant: to
• 5:44
  Annette Grant: slow
• 5:44
  Annette Grant: down
• 5:44
  Annette Grant: because
• 5:45
  Annette Grant: this
• 5:45
  Annette Grant: is
• 5:45
  Annette Grant: my
• 5:45
  Annette Grant: quote.
• 5:45
  Annette Grant: This
• 5:46
  Annette Grant: is
• 5:46
  Annette Grant: the
• 5:46
  Annette Grant: thing
• 5:46
  Annette Grant: I
• 5:46
  Annette Grant: quote
• 5:47
  Annette Grant: the
• 5:47
  Annette Grant: most.
• 5:47
  Annette Grant: Go
• 5:47
  Annette Grant: to
• 5:48
  Annette Grant: AirCover.
• 5:48
  Annette Grant: I
• 5:48
  Annette Grant: want
• 5:48
  Annette Grant: to
• 5:49
  Annette Grant: see
• 5:49
  Annette Grant: your
• 5:49
  Annette Grant: name.
• 5:50
  Annette Grant: I
• 5:50
  Annette Grant: think
• 5:50
  Annette Grant: you're
• 5:50
  Annette Grant: the
• 5:50
  Annette Grant: one
• 5:51
  Annette Grant: that
• 5:51
  Annette Grant: taught
• 5:51
  Annette Grant: me
• 5:51
  Annette Grant: this.
• 5:51
  Annette Grant: Like,
• 5:51
  Annette Grant: show
• 5:52
  Annette Grant: me
• 5:52
  Annette Grant: where
• 5:52
  Annette Grant: your
• 5:52
  Annette Grant: name
• 5:53
  Annette Grant: is
• 5:53
  Annette Grant: on
• 5:53
  Annette Grant: a
• 5:53
  Annette Grant: policy
• 5:55
  Annette Grant: through
• 5:55
  Annette Grant: Airbnb.
• 5:56
  Annette Grant: Like,
• 5:56
  Annette Grant: I
• 5:57
  Annette Grant: can
• 5:57
  Annette Grant: actually
• 5:57
  Annette Grant: go
• 5:57
  Annette Grant: into
• 5:58
  Annette Grant: my
• 5:58
  Annette Grant: files,
• 5:59
  Annette Grant: my
• 5:59
  Annette Grant: digital
• 5:59
  Annette Grant: files,
• 5:59
  Annette Grant: and
• 6:00
  Annette Grant: see
• 6:00
  Annette Grant: my
• 6:00
  Annette Grant: name
• 6:00
  Annette Grant: and
• 6:00
  Annette Grant: address
• 6:02
  Annette Grant: on
• 6:02
  Annette Grant: Airbnb.
• 6:03
  Annette Grant: Properties
• 6:04
  Annette Grant: that
• 6:04
  Annette Grant: we
• 6:04
  Annette Grant: have,
• 6:04
  Annette Grant: proper
• 6:05
  Annette Grant: insurers.
• 6:05
  Annette Grant: So
• 6:05
  Annette Grant: I
• 6:05
  Annette Grant: want
• 6:06
  Annette Grant: you
• 6:06
  Annette Grant: to
• 6:06
  Annette Grant: slow
• 6:06
  Annette Grant: down
• 6:06
  Annette Grant: and,
• 6:06
  Annette Grant: and,
• 6:07
  Annette Grant: and
• 6:07
  Annette Grant: say
• 6:07
  Annette Grant: that
• 6:07
  Annette Grant: again
• 6:07
  Annette Grant: because
• 6:08
  Annette Grant: that
• 6:08
  Annette Grant: was
• 6:08
  Annette Grant: the
• 6:08
  Annette Grant: one
• 6:08
  Annette Grant: that
• 6:08
  Annette Grant: really
• 6:09
  Annette Grant: like,
• 6:09
  Annette Grant: was
• 6:09
  Annette Grant: the
• 6:09
  Annette Grant: gut
• 6:09
  Annette Grant: punch
• 6:10
  Annette Grant: for
• 6:10
  Annette Grant: me
• 6:10
  Annette Grant: to
• 6:10
  Annette Grant: understand.
• 6:11
  Annette Grant: Mm-hmm
• 6:12
  Annette Grant: Wait,
• 6:12
  Annette Grant: air
• 6:12
  Annette Grant: cover
• 6:13
  Annette Grant: is
• 6:13
  Annette Grant: not
• 6:13
  Annette Grant: insurance,
• 6:14
  Annette Grant: so
• 6:14
  Annette Grant: we
• 6:14
  Annette Grant: are
• 6:15
  Annette Grant: not
• 6:15
  Annette Grant: named
• 6:16
  Annette Grant: as
• 6:16
  Annette Grant: an
• 6:16
  Annette Grant: insurer
• 6:17
  Annette Grant: on,
• 6:17
  Annette Grant: on
• 6:17
  Annette Grant: that
• 6:17
  Annette Grant: coverage.
• 6:18
  Annette Grant: Whatever
• 6:19
  Annette Grant: the
• 6:19
  Annette Grant: air
• 6:19
  Annette Grant: cover
• 6:19
  Annette Grant: is.
• 6:20
  Nick Massey: Correct.
• 6:21
  Nick Massey: Correct.
• 6:21
  Nick Massey: And
• 6:22
  Nick Massey: by
• 6:22
  Nick Massey: no
• 6:22
  Nick Massey: means
• 6:22
  Nick Massey: am
• 6:22
  Nick Massey: I,
• 6:23
  Nick Massey: am
• 6:23
  Nick Massey: I
• 6:23
  Nick Massey: batching
• 6:23
  Nick Massey: Airbnb
• 6:24
  Nick Massey: and
• 6:24
  Nick Massey: everything
• 6:24
  Nick Massey: that
• 6:25
  Nick Massey: they've
• 6:25
  Nick Massey: done
• 6:25
  Nick Massey: for
• 6:25
  Nick Massey: this
• 6:25
  Nick Massey: industry
• 6:26
  Nick Massey: and
• 6:26
  Nick Massey: the
• 6:26
  Nick Massey: growth
• 6:26
  Nick Massey: and
• 6:26
  Nick Massey: the
• 6:26
  Nick Massey: financial
• 6:27
  Nick Massey: opportunities
• 6:27
  Nick Massey: that
• 6:27
  Nick Massey: they've
• 6:28
  Nick Massey: given
• 6:28
  Nick Massey: everyone,
• 6:28
  Nick Massey: including,
• 6:29
  Nick Massey: including
• 6:29
  Nick Massey: myself
• 6:30
  Nick Massey: here.
• 6:30
  Nick Massey: Um,
• 6:31
  Nick Massey: we
• 6:31
  Nick Massey: wouldn't
• 6:31
  Nick Massey: have
• 6:32
  Nick Massey: a
• 6:32
  Nick Massey: business
• 6:32
  Nick Massey: without
• 6:32
  Nick Massey: them
• 6:32
  Nick Massey: technically.
• 6:33
  Nick Massey: So,
• 6:34
  Nick Massey: uh,
• 6:35
  Nick Massey: the
• 6:36
  Nick Massey: OTA,
• 6:36
  Nick Massey: Airbnb
• 6:37
  Nick Massey: and,
• 6:37
  Nick Massey: and
• 6:38
  Nick Massey: Burbo
• 6:38
  Nick Massey: does
• 6:38
  Nick Massey: it
• 6:38
  Nick Massey: as
• 6:39
  Nick Massey: well.
• 6:39
  Nick Massey: Uh,
• 6:40
  Nick Massey: they
• 6:40
  Nick Massey: market
• 6:41
  Nick Massey: to
• 6:41
  Nick Massey: get
• 6:42
  Nick Massey: inventory
• 6:43
  Nick Massey: by
• 6:43
  Nick Massey: saying,
• 6:43
  Nick Massey: Hey,
• 6:44
  Nick Massey: we
• 6:45
  Nick Massey: have
• 6:45
  Nick Massey: insurance.
• 6:46
  Nick Massey: So
• 6:46
  Nick Massey: you
• 6:47
  Nick Massey: can
• 6:47
  Nick Massey: book
• 6:47
  Nick Massey: with
• 6:47
  Nick Massey: us
• 6:48
  Nick Massey: and
• 6:48
  Nick Massey: put
• 6:48
  Nick Massey: your
• 6:48
  Nick Massey: property
• 6:48
  Nick Massey: with
• 6:48
  Nick Massey: us
• 6:49
  Nick Massey: and
• 6:49
  Nick Massey: we
• 6:49
  Nick Massey: have
• 6:50
  Nick Massey: some,
• 6:50
  Nick Massey: some
• 6:50
  Nick Massey: level
• 6:50
  Nick Massey: of
• 6:51
  Nick Massey: protection
• 6:52
  Nick Massey: where
• 6:52
  Nick Massey: the
• 6:52
  Nick Massey: marketing
• 6:53
  Nick Massey: becomes
• 6:53
  Nick Massey: confusing
• 6:54
  Nick Massey: to
• 6:54
  Nick Massey: somebody
• 6:55
  Nick Massey: who's
• 6:55
  Nick Massey: just
• 6:55
  Nick Massey: getting
• 6:56
  Nick Massey: into
• 6:56
  Nick Massey: this
• 6:56
  Nick Massey: industry
• 6:56
  Nick Massey: is
• 6:57
  Nick Massey: they
• 6:57
  Nick Massey: see
• 6:57
  Nick Massey: the
• 6:57
  Nick Massey: word
• 6:57
  Nick Massey: insurance
• 6:58
  Nick Massey: as
• 6:59
  Nick Massey: a
• 6:59
  Nick Massey: marketing
• 6:59
  Nick Massey: term
• 7:00
  Nick Massey: and
• 7:00
  Nick Massey: I
• 7:00
  Nick Massey: use
• 7:00
  Nick Massey: air
• 7:00
  Nick Massey: quotes
• 7:01
  Nick Massey: because
• 7:01
  Nick Massey: that's
• 7:01
  Nick Massey: how
• 7:01
  Nick Massey: they
• 7:01
  Nick Massey: do
• 7:02
  Nick Massey: it
• 7:02
  Nick Massey: and
• 7:03
  Nick Massey: they
• 7:03
  Nick Massey: go,
• 7:03
  Nick Massey: Oh,
• 7:03
  Nick Massey: great.
• 7:03
  Nick Massey: I
• 7:03
  Nick Massey: don't
• 7:03
  Nick Massey: have
• 7:03
  Nick Massey: to
• 7:03
  Nick Massey: do
• 7:04
  Nick Massey: anything
• 7:05
  Nick Massey: with
• 7:05
  Nick Massey: my
• 7:05
  Nick Massey: home
• 7:05
  Nick Massey: policy.
• 7:07
  Nick Massey: They're
• 7:07
  Nick Massey: going
• 7:07
  Nick Massey: to
• 7:07
  Nick Massey: take
• 7:07
  Nick Massey: care
• 7:07
  Nick Massey: of
• 7:08
  Nick Massey: anything
• 7:08
  Nick Massey: that
• 7:08
  Nick Massey: happens.
• 7:09
  Nick Massey: But
• 7:09
  Nick Massey: when
• 7:09
  Nick Massey: you
• 7:10
  Nick Massey: start
• 7:10
  Nick Massey: really
• 7:10
  Nick Massey: digging
• 7:11
  Nick Massey: into
• 7:11
  Nick Massey: it,
• 7:11
  Nick Massey: that's
• 7:11
  Nick Massey: when
• 7:12
  Nick Massey: you
• 7:12
  Nick Massey: start
• 7:12
  Nick Massey: to
• 7:12
  Nick Massey: see,
• 7:13
  Nick Massey: like
• 7:13
  Nick Massey: you
• 7:13
  Nick Massey: pointed
• 7:13
  Nick Massey: out,
• 7:14
  Nick Massey: I
• 7:14
  Nick Massey: don't
• 7:14
  Nick Massey: have
• 7:14
  Nick Massey: an
• 7:15
  Nick Massey: insurance
• 7:15
  Nick Massey: policy
• 7:16
  Nick Massey: that's
• 7:16
  Nick Massey: sent
• 7:16
  Nick Massey: to
• 7:16
  Nick Massey: me
• 7:17
  Nick Massey: by
• 7:17
  Nick Massey: somebody
• 7:18
  Nick Massey: at
• 7:19
  Nick Massey: Airbnb
• 7:19
  Nick Massey: that
• 7:20
  Nick Massey: says,
• 7:20
  Nick Massey: Sarah
• 7:21
  Nick Massey: and
• 7:21
  Nick Massey: Annette,
• 7:22
  Nick Massey: here's
• 7:22
  Nick Massey: your
• 7:22
  Nick Massey: insurance
• 7:22
  Nick Massey: policy
• 7:23
  Nick Massey: for
• 7:23
  Nick Massey: this
• 7:24
  Nick Massey: address
• 7:24
  Nick Massey: that
• 7:24
  Nick Massey: you
• 7:24
  Nick Massey: host
• 7:25
  Nick Massey: on,
• 7:25
  Nick Massey: on
• 7:25
  Nick Massey: Airbnb.
• 7:27
  Nick Massey: So
• 7:27
  Nick Massey: that's
• 7:28
  Nick Massey: the
• 7:28
  Nick Massey: big
• 7:28
  Nick Massey: problem.
• 7:29
  Nick Massey: If
• 7:29
  Nick Massey: you
• 7:29
  Nick Massey: don't
• 7:29
  Nick Massey: have
• 7:30
  Nick Massey: a
• 7:30
  Nick Massey: policy
• 7:30
  Nick Massey: with
• 7:31
  Nick Massey: your
• 7:31
  Nick Massey: name
• 7:31
  Nick Massey: on
• 7:31
  Nick Massey: it,
• 7:31
  Nick Massey: you
• 7:31
  Nick Massey: don't
• 7:32
  Nick Massey: have
• 7:32
  Nick Massey: policy
• 7:32
  Nick Massey: rights.
• 7:33
  Nick Massey: And
• 7:33
  Nick Massey: what
• 7:34
  Nick Massey: that
• 7:34
  Nick Massey: really
• 7:34
  Nick Massey: means
• 7:34
  Nick Massey: is
• 7:35
  Nick Massey: if
• 7:35
  Nick Massey: they
• 7:35
  Nick Massey: tell
• 7:35
  Nick Massey: you
• 7:35
  Nick Massey: no
• 7:36
  Nick Massey: on
• 7:37
  Nick Massey: a
• 7:37
  Nick Massey: potential
• 7:37
  Nick Massey: claim
• 7:38
  Nick Massey: that
• 7:38
  Nick Massey: they're
• 7:38
  Nick Massey: not
• 7:38
  Nick Massey: going
• 7:38
  Nick Massey: to
• 7:39
  Nick Massey: cover
• 7:39
  Nick Massey: it,
• 7:40
  Nick Massey: then
• 7:40
  Nick Massey: you
• 7:40
  Nick Massey: don't
• 7:40
  Nick Massey: really
• 7:41
  Nick Massey: have
• 7:41
  Nick Massey: any
• 7:41
  Nick Massey: recourse
• 7:42
  Nick Massey: against
• 7:42
  Nick Massey: them.
• 7:43
  Nick Massey: Right?
• 7:43
  Nick Massey: Because
• 7:44
  Nick Massey: you,
• 7:44
  Nick Massey: again,
• 7:45
  Nick Massey: you
• 7:45
  Nick Massey: don't
• 7:45
  Nick Massey: have
• 7:45
  Nick Massey: policy
• 7:46
  Nick Massey: rights.
• 7:46
  Nick Massey: So
• 7:46
  Nick Massey: you
• 7:47
  Nick Massey: don't
• 7:47
  Nick Massey: have
• 7:47
  Nick Massey: arbitration.
• 7:48
  Nick Massey: You
• 7:48
  Nick Massey: don't
• 7:49
  Nick Massey: have
• 7:49
  Nick Massey: public
• 7:49
  Nick Massey: adjusters
• 7:50
  Nick Massey: that
• 7:50
  Nick Massey: can
• 7:50
  Nick Massey: come
• 7:50
  Nick Massey: in
• 7:50
  Nick Massey: and
• 7:51
  Nick Massey: do
• 7:51
  Nick Massey: these
• 7:51
  Nick Massey: things
• 7:51
  Nick Massey: and
• 7:51
  Nick Massey: kind
• 7:51
  Nick Massey: of
• 7:52
  Nick Massey: fight
• 7:52
  Nick Massey: on
• 7:53
  Nick Massey: your
• 7:53
  Nick Massey: behalf.
• 7:53
  Nick Massey: That's
• 7:53
  Nick Massey: the,
• 7:54
  Nick Massey: that's
• 7:54
  Nick Massey: the
• 7:54
  Nick Massey: job
• 7:54
  Nick Massey: of
• 7:55
  Nick Massey: us.
• 7:55
  Nick Massey: an
• 7:55
  Nick Massey: agency,
• 7:57
  Nick Massey: uh,
• 7:57
  Nick Massey: to
• 7:57
  Nick Massey: work
• 7:58
  Nick Massey: on
• 7:58
  Nick Massey: your
• 7:58
  Nick Massey: behalf,
• 7:59
  Nick Massey: especially
• 7:59
  Nick Massey: during
• 7:59
  Nick Massey: the
• 7:59
  Nick Massey: claim.
• 8:00
  Nick Massey: The
• 8:01
  Nick Massey: other
• 8:01
  Nick Massey: part
• 8:01
  Nick Massey: is
• 8:02
  Nick Massey: that
• 8:03
  Nick Massey: they
• 8:03
  Nick Massey: have,
• 8:04
  Nick Massey: they're
• 8:05
  Nick Massey: only
• 8:05
  Nick Massey: covering
• 8:05
  Nick Massey: you
• 8:05
  Nick Massey: during
• 8:06
  Nick Massey: a
• 8:06
  Nick Massey: booking
• 8:06
  Nick Massey: period.
• 8:07
  Nick Massey: So
• 8:07
  Nick Massey: anything
• 8:08
  Nick Massey: that
• 8:08
  Nick Massey: happens
• 8:08
  Nick Massey: outside
• 8:09
  Nick Massey: of
• 8:09
  Nick Massey: the
• 8:09
  Nick Massey: booking
• 8:09
  Nick Massey: period
• 8:09
  Nick Massey: falls
• 8:10
  Nick Massey: on
• 8:10
  Nick Massey: your
• 8:10
  Nick Massey: regular
• 8:10
  Nick Massey: home
• 8:11
  Nick Massey: insurer.
• 8:12
  Nick Massey: And
• 8:12
  Nick Massey: I'm
• 8:12
  Nick Massey: sure
• 8:12
  Nick Massey: we'll
• 8:12
  Nick Massey: get
• 8:13
  Nick Massey: into
• 8:13
  Nick Massey: the
• 8:13
  Nick Massey: details
• 8:13
  Nick Massey: of
• 8:13
  Nick Massey: the
• 8:13
  Nick Massey: jargon
• 8:14
  Nick Massey: we
• 8:14
  Nick Massey: want
• 8:14
  Nick Massey: to
• 8:14
  Nick Massey: be
• 8:14
  Nick Massey: on
• 8:14
  Nick Massey: the
• 8:15
  Nick Massey: lookout
• 8:15
  Nick Massey: for
• 8:15
  Nick Massey: in
• 8:15
  Nick Massey: those
• 8:16
  Nick Massey: policies.
• 8:18
  Nick Massey: It's
• 8:18
  Nick Massey: also
• 8:18
  Nick Massey: very
• 8:18
  Nick Massey: difficult
• 8:19
  Nick Massey: to
• 8:19
  Nick Massey: go
• 8:20
  Nick Massey: through
• 8:20
  Nick Massey: their
• 8:21
  Nick Massey: marketing
• 8:21
  Nick Massey: and
• 8:22
  Nick Massey: through
• 8:22
  Nick Massey: their
• 8:22
  Nick Massey: website
• 8:22
  Nick Massey: and
• 8:22
  Nick Massey: see
• 8:23
  Nick Massey: what
• 8:23
  Nick Massey: is
• 8:23
  Nick Massey: actually
• 8:23
  Nick Massey: covered
• 8:24
  Nick Massey: now
• 8:25
  Nick Massey: We've
• 8:25
  Nick Massey: spent
• 8:26
  Nick Massey: the
• 8:26
  Nick Massey: hours
• 8:26
  Nick Massey: and
• 8:27
  Nick Massey: the
• 8:27
  Nick Massey: time
• 8:27
  Nick Massey: to
• 8:27
  Nick Massey: dig
• 8:27
  Nick Massey: it
• 8:27
  Nick Massey: up
• 8:28
  Nick Massey: and
• 8:28
  Nick Massey: like
• 8:28
  Nick Massey: one
• 8:29
  Nick Massey: big
• 8:29
  Nick Massey: thing
• 8:29
  Nick Massey: that
• 8:30
  Nick Massey: you
• 8:30
  Nick Massey: see
• 8:30
  Nick Massey: that's
• 8:30
  Nick Massey: not
• 8:30
  Nick Massey: covered
• 8:31
  Nick Massey: on
• 8:31
  Nick Massey: there
• 8:31
  Nick Massey: It's
• 8:32
  Nick Massey: gonna
• 8:32
  Nick Massey: be
• 8:32
  Nick Massey: stuff
• 8:32
  Nick Massey: from
• 8:32
  Nick Massey: like
• 8:33
  Nick Massey: natural
• 8:33
  Nick Massey: disaster.
• 8:34
  Nick Massey: Even
• 8:34
  Nick Massey: if
• 8:34
  Nick Massey: your
• 8:34
  Nick Massey: property
• 8:34
  Nick Massey: is
• 8:35
  Nick Massey: booked.
• 8:35
  Nick Massey: They're
• 8:35
  Nick Massey: not
• 8:35
  Nick Massey: covering
• 8:36
  Nick Massey: it
• 8:36
  Nick Massey: because
• 8:36
  Nick Massey: that's
• 8:36
  Nick Massey: not
• 8:37
  Nick Massey: their
• 8:38
  Nick Massey: Their
• 8:38
  Nick Massey: duty
• 8:38
  Nick Massey: as
• 8:39
  Nick Massey: a
• 8:39
  Nick Massey: supplemental
• 8:40
  Nick Massey: coverage.
• 8:40
  Nick Massey: They
• 8:41
  Nick Massey: are
• 8:41
  Nick Massey: just
• 8:41
  Nick Massey: there
• 8:41
  Nick Massey: to
• 8:41
  Nick Massey: supplement
• 8:42
  Nick Massey: potential
• 8:43
  Nick Massey: gaps
• 8:43
  Nick Massey: in
• 8:43
  Nick Massey: your
• 8:43
  Nick Massey: underlying
• 8:44
  Nick Massey: insurance
• 8:44
  Nick Massey: policy
• 8:46
  Nick Massey: the
• 8:46
  Nick Massey: other
• 8:46
  Nick Massey: thing
• 8:47
  Nick Massey: is
• 8:47
  Nick Massey: they
• 8:47
  Nick Massey: have
• 8:48
  Nick Massey: These
• 8:48
  Nick Massey: exclusions
• 8:49
  Nick Massey: and
• 8:49
  Nick Massey: it
• 8:49
  Nick Massey: could
• 8:49
  Nick Massey: be
• 8:49
  Nick Massey: things
• 8:50
  Nick Massey: for
• 8:50
  Nick Massey: like
• 8:50
  Nick Massey: communicable
• 8:51
  Nick Massey: disease
• 8:51
  Nick Massey: if
• 8:51
  Nick Massey: you
• 8:51
  Nick Massey: have
• 8:51
  Nick Massey: a
• 8:51
  Nick Massey: hot
• 8:52
  Nick Massey: tub
• 8:52
  Nick Massey: or
• 8:52
  Nick Massey: a
• 8:52
  Nick Massey: pool
• 8:53
  Nick Massey: Uh,
• 8:53
  Nick Massey: the
• 8:53
  Nick Massey: cdc
• 8:54
  Nick Massey: just
• 8:54
  Nick Massey: posted
• 8:54
  Nick Massey: a
• 8:54
  Nick Massey: thing
• 8:55
  Nick Massey: last
• 8:55
  Nick Massey: month
• 8:56
  Nick Massey: Specifically
• 8:56
  Nick Massey: calling
• 8:57
  Nick Massey: out
• 8:57
  Nick Massey: vacation
• 8:57
  Nick Massey: rental
• 8:58
  Nick Massey: property
• 8:58
  Nick Massey: owners
• 8:58
  Nick Massey: and
• 8:59
  Nick Massey: managers
• 8:59
  Nick Massey: about
• 8:59
  Nick Massey: the
• 9:00
  Nick Massey: rise
• 9:00
  Nick Massey: of
• 9:00
  Nick Massey: legionnaires
• 9:01
  Nick Massey: disease
• 9:01
  Nick Massey: with
• 9:01
  Nick Massey: hot
• 9:01
  Nick Massey: tubs
• 9:02
  Nick Massey: Uh
• 9:03
  Nick Massey: in
• 9:03
  Nick Massey: which
• 9:03
  Nick Massey: over
• 9:03
  Nick Massey: half
• 9:04
  Nick Massey: the
• 9:04
  Nick Massey: people
• 9:04
  Nick Massey: who
• 9:04
  Nick Massey: reported
• 9:05
  Nick Massey: having
• 9:06
  Nick Massey: legionnaires
• 9:06
  Nick Massey: in
• 9:06
  Nick Massey: 2024
• 9:08
  Nick Massey: stated
• 9:08
  Nick Massey: that
• 9:09
  Nick Massey: it
• 9:09
  Nick Massey: came
• 9:09
  Nick Massey: from
• 9:09
  Nick Massey: a
• 9:09
  Nick Massey: stay
• 9:10
  Nick Massey: at
• 9:10
  Nick Massey: a
• 9:10
  Nick Massey: short
• 9:10
  Nick Massey: term
• 9:10
  Nick Massey: rental
• 9:11
  Nick Massey: property.
• 9:13
  Nick Massey: One
• 9:13
  Nick Massey: out
• 9:13
  Nick Massey: of
• 9:13
  Nick Massey: 10
• 9:13
  Nick Massey: people
• 9:14
  Nick Massey: who
• 9:14
  Nick Massey: contract
• 9:14
  Nick Massey: Legionnaires
• 9:15
  Nick Massey: die
• 9:15
  Nick Massey: from
• 9:15
  Nick Massey: it.
• 9:16
  Annette Grant: So
• 9:16
  Annette Grant: you
• 9:16
  Nick Massey: don't
• 9:16
  Nick Massey: have
• 9:16
  Nick Massey: coverage
• 9:17
  Nick Massey: for
• 9:17
  Nick Massey: that
• 9:18
  Nick Massey: in,
• 9:18
  Nick Massey: in
• 9:18
  Nick Massey: a
• 9:18
  Nick Massey: lot
• 9:18
  Nick Massey: of,
• 9:19
  Nick Massey: in
• 9:19
  Nick Massey: a
• 9:19
  Nick Massey: lot
• 9:19
  Nick Massey: of
• 9:19
  Nick Massey: cases.
• 9:20
  Nick Massey: Um,
• 9:21
  Nick Massey: and
• 9:21
  Nick Massey: you
• 9:21
  Nick Massey: can
• 9:21
  Nick Massey: get
• 9:21
  Nick Massey: that
• 9:22
  Nick Massey: from
• 9:22
  Nick Massey: decorative
• 9:22
  Nick Massey: fountains.
• 9:23
  Nick Massey: You
• 9:23
  Nick Massey: can
• 9:23
  Nick Massey: get
• 9:23
  Nick Massey: it
• 9:23
  Nick Massey: just
• 9:23
  Nick Massey: from
• 9:24
  Nick Massey: hot
• 9:24
  Nick Massey: water
• 9:24
  Nick Massey: coming
• 9:25
  Nick Massey: out
• 9:25
  Nick Massey: of
• 9:25
  Nick Massey: the
• 9:25
  Nick Massey: faucet.
• 9:26
  Nick Massey: Uh,
• 9:26
  Nick Massey: if
• 9:26
  Nick Massey: you
• 9:26
  Nick Massey: have.
• 9:27
  Nick Massey: If
• 9:27
  Nick Massey: you
• 9:28
  Nick Massey: haven't
• 9:28
  Nick Massey: replaced
• 9:28
  Nick Massey: your
• 9:29
  Nick Massey: hot
• 9:29
  Nick Massey: water
• 9:29
  Nick Massey: heater
• 9:29
  Nick Massey: in
• 9:29
  Nick Massey: 25
• 9:30
  Nick Massey: years,
• 9:30
  Nick Massey: it's
• 9:30
  Nick Massey: full
• 9:31
  Nick Massey: of
• 9:31
  Nick Massey: gunk
• 9:31
  Nick Massey: and
• 9:31
  Nick Massey: grime
• 9:32
  Nick Massey: and
• 9:32
  Nick Massey: this
• 9:33
  Nick Massey: bacterial
• 9:33
  Nick Massey: infection
• 9:34
  Nick Massey: can
• 9:34
  Nick Massey: grow
• 9:34
  Nick Massey: and
• 9:34
  Nick Massey: that
• 9:34
  Nick Massey: stuff.
• 9:34
  Nick Massey: So,
• 9:35
  Nick Massey: you
• 9:35
  Nick Massey: know,
• 9:36
  Nick Massey: those
• 9:36
  Nick Massey: are
• 9:36
  Nick Massey: parts
• 9:37
  Nick Massey: and
• 9:37
  Nick Massey: pieces
• 9:37
  Nick Massey: that
• 9:37
  Nick Massey: people
• 9:38
  Nick Massey: miss
• 9:38
  Nick Massey: because
• 9:38
  Nick Massey: it's
• 9:38
  Nick Massey: not
• 9:39
  Nick Massey: presented
• 9:40
  Nick Massey: to
• 9:40
  Nick Massey: the
• 9:40
  Nick Massey: general
• 9:40
  Nick Massey: public
• 9:40
  Nick Massey: on
• 9:41
  Nick Massey: what
• 9:41
  Nick Massey: those
• 9:41
  Nick Massey: limitations
• 9:42
  Nick Massey: are.
• 9:42
  Nick Massey: Um,
• 9:43
  Nick Massey: again,
• 9:44
  Nick Massey: it
• 9:44
  Nick Massey: is
• 9:44
  Nick Massey: a
• 9:44
  Nick Massey: supplemental
• 9:44
  Nick Massey: coverage
• 9:45
  Nick Massey: and
• 9:45
  Nick Massey: there's
• 9:45
  Nick Massey: supplemental
• 9:46
  Nick Massey: policies
• 9:46
  Nick Massey: out
• 9:46
  Nick Massey: there
• 9:47
  Nick Massey: that
• 9:47
  Nick Massey: you
• 9:47
  Nick Massey: can
• 9:47
  Nick Massey: go
• 9:47
  Nick Massey: and
• 9:48
  Nick Massey: pay
• 9:48
  Nick Massey: for
• 9:48
  Nick Massey: yourself.
• 9:49
  Nick Massey: Or
• 9:49
  Nick Massey: have
• 9:49
  Nick Massey: your
• 9:49
  Nick Massey: guests
• 9:50
  Nick Massey: pay
• 9:50
  Nick Massey: for
• 9:50
  Nick Massey: it
• 9:50
  Nick Massey: on
• 9:50
  Nick Massey: the
• 9:50
  Nick Massey: booking
• 9:51
  Nick Massey: And
• 9:52
  Nick Massey: then
• 9:52
  Nick Massey: you
• 9:52
  Nick Massey: do
• 9:52
  Nick Massey: have
• 9:52
  Nick Massey: a
• 9:53
  Nick Massey: policy
• 9:53
  Nick Massey: with
• 9:53
  Nick Massey: your
• 9:53
  Nick Massey: name
• 9:53
  Nick Massey: on
• 9:54
  Nick Massey: it
• 9:54
  Nick Massey: And
• 9:54
  Nick Massey: you
• 9:54
  Nick Massey: know
• 9:54
  Nick Massey: exactly
• 9:55
  Nick Massey: what
• 9:55
  Nick Massey: is
• 9:55
  Nick Massey: covered
• 9:55
  Nick Massey: and
• 9:55
  Nick Massey: for
• 9:56
  Nick Massey: how
• 9:56
  Nick Massey: much
• 9:56
  Nick Massey: and
• 9:56
  Nick Massey: when
• 9:56
  Nick Massey: and
• 9:57
  Nick Massey: where
• 9:57
  Nick Massey: that
• 9:57
  Nick Massey: policy
• 9:58
  Nick Massey: supplemental
• 9:58
  Nick Massey: policy
• 9:59
  Nick Massey: responds
• 9:59
  Nick Massey: to
• 10:00
  Nick Massey: or
• 10:00
  Nick Massey: in
• 10:01
  Nick Massey: my
• 10:01
  Nick Massey: sense
• 10:02
  Nick Massey: in
• 10:03
  Nick Massey: Uh,
• 10:03
  Nick Massey: the
• 10:04
  Nick Massey: name
• 10:04
  Nick Massey: of,
• 10:04
  Nick Massey: of,
• 10:05
  Nick Massey: uh,
• 10:05
  Nick Massey: name
• 10:06
  Nick Massey: dropping
• 10:06
  Nick Massey: just
• 10:06
  Nick Massey: by
• 10:07
  Nick Massey: the
• 10:07
  Nick Massey: right
• 10:07
  Nick Massey: insurance
• 10:08
  Nick Massey: to
• 10:08
  Nick Massey: start
• 10:08
  Nick Massey: with.
• 10:09
  Nick Massey: And
• 10:09
  Nick Massey: the
• 10:09
  Nick Massey: OTA
• 10:10
  Nick Massey: is
• 10:10
  Nick Massey: there.
• 10:11
  Nick Massey: They
• 10:11
  Nick Massey: may
• 10:12
  Nick Massey: cover
• 10:12
  Nick Massey: some
• 10:12
  Nick Massey: things
• 10:12
  Nick Massey: they
• 10:13
  Nick Massey: may
• 10:13
  Nick Massey: not.
• 10:13
  Nick Massey: And
• 10:14
  Nick Massey: if
• 10:14
  Nick Massey: they
• 10:14
  Nick Massey: cover
• 10:14
  Nick Massey: it,
• 10:14
  Nick Massey: fantastic.
• 10:15
  Nick Massey: They
• 10:15
  Nick Massey: cover
• 10:16
  Nick Massey: it.
• 10:16
  Nick Massey: And
• 10:16
  Nick Massey: you're
• 10:16
  Nick Massey: not,
• 10:17
  Nick Massey: uh,
• 10:18
  Nick Massey: having
• 10:18
  Nick Massey: to
• 10:18
  Nick Massey: file
• 10:18
  Nick Massey: a
• 10:18
  Nick Massey: claim
• 10:19
  Nick Massey: on
• 10:19
  Nick Massey: your
• 10:19
  Nick Massey: regular
• 10:19
  Nick Massey: policy.
• 10:20
  Nick Massey: That's
• 10:20
  Nick Massey: awesome.
• 10:20
  Nick Massey: Or
• 10:21
  Nick Massey: sometimes
• 10:21
  Nick Massey: they
• 10:22
  Nick Massey: cover
• 10:22
  Nick Massey: part
• 10:22
  Nick Massey: of
• 10:22
  Nick Massey: it
• 10:22
  Nick Massey: and
• 10:23
  Nick Massey: you
• 10:23
  Nick Massey: need
• 10:23
  Nick Massey: your
• 10:23
  Nick Massey: insurance
• 10:24
  Nick Massey: to
• 10:24
  Nick Massey: come
• 10:24
  Nick Massey: in,
• 10:24
  Nick Massey: uh,
• 10:25
  Nick Massey: like
• 10:25
  Nick Massey: proper
• 10:25
  Nick Massey: and,
• 10:26
  Nick Massey: and
• 10:26
  Nick Massey: pick
• 10:26
  Nick Massey: up
• 10:26
  Nick Massey: the
• 10:26
  Nick Massey: rest
• 10:26
  Nick Massey: of
• 10:26
  Nick Massey: the
• 10:26
  Nick Massey: bill.
• 10:28
  Nick Massey: Um,
• 10:28
  Nick Massey: so
• 10:29
  Nick Massey: yeah,
• 10:29
  Nick Massey: there's
• 10:29
  Nick Massey: a
• 10:29
  Nick Massey: lot
• 10:29
  Nick Massey: of
• 10:29
  Nick Massey: issues
• 10:30
  Nick Massey: with
• 10:30
  Nick Massey: it.
• 10:31
  Nick Massey: Uh,
• 10:32
  Nick Massey: and
• 10:32
  Nick Massey: it's
• 10:32
  Nick Massey: not
• 10:32
  Nick Massey: going
• 10:32
  Nick Massey: away,
• 10:32
  Nick Massey: so
• 10:33
  Nick Massey: it's
• 10:33
  Nick Massey: always
• 10:33
  Nick Massey: there,
• 10:33
  Nick Massey: but
• 10:34
  Nick Massey: you
• 10:34
  Nick Massey: can't
• 10:35
  Nick Massey: think
• 10:35
  Nick Massey: of
• 10:35
  Nick Massey: that
• 10:35
  Nick Massey: as
• 10:35
  Nick Massey: your
• 10:36
  Nick Massey: risk
• 10:36
  Nick Massey: management
• 10:36
  Nick Massey: Bible.
• 10:37
  Nick Massey: Just
• 10:37
  Nick Massey: because
• 10:37
  Nick Massey: you
• 10:38
  Nick Massey: book
• 10:38
  Nick Massey: on
• 10:38
  Nick Massey: Airbnb,
• 10:39
  Nick Massey: you
• 10:39
  Nick Massey: have
• 10:39
  Nick Massey: this
• 10:40
  Nick Massey: protection
• 10:41
  Nick Massey: and
• 10:41
  Nick Massey: it's
• 10:41
  Nick Massey: going
• 10:41
  Nick Massey: to
• 10:41
  Nick Massey: cover
• 10:41
  Nick Massey: everything.
• 10:42
  Sarah Karakaian: Do
• 10:42
  Sarah Karakaian: you
• 10:42
  Sarah Karakaian: have
• 10:42
  Sarah Karakaian: any
• 10:43
  Sarah Karakaian: specific
• 10:43
  Sarah Karakaian: examples,
• 10:44
  Sarah Karakaian: Nick,
• 10:44
  Sarah Karakaian: that
• 10:44
  Sarah Karakaian: you've
• 10:44
  Sarah Karakaian: heard
• 10:44
  Sarah Karakaian: of
• 10:44
  Sarah Karakaian: in
• 10:45
  Sarah Karakaian: the
• 10:45
  Sarah Karakaian: agent
• 10:45
  Sarah Karakaian: at
• 10:45
  Sarah Karakaian: Proper
• 10:46
  Sarah Karakaian: of
• 10:47
  Sarah Karakaian: a
• 10:47
  Sarah Karakaian: client
• 10:48
  Sarah Karakaian: who
• 10:49
  Sarah Karakaian: tried
• 10:49
  Sarah Karakaian: air
• 10:49
  Sarah Karakaian: cover
• 10:50
  Sarah Karakaian: first,
• 10:50
  Sarah Karakaian: got
• 10:51
  Sarah Karakaian: denied,
• 10:51
  Sarah Karakaian: and
• 10:51
  Sarah Karakaian: then
• 10:51
  Sarah Karakaian: had
• 10:51
  Sarah Karakaian: to
• 10:52
  Sarah Karakaian: come
• 10:52
  Sarah Karakaian: to
• 10:52
  Sarah Karakaian: the,
• 10:52
  Sarah Karakaian: and
• 10:52
  Sarah Karakaian: then
• 10:53
  Sarah Karakaian: what,
• 10:53
  Sarah Karakaian: and
• 10:53
  Sarah Karakaian: what
• 10:53
  Sarah Karakaian: does
• 10:53
  Sarah Karakaian: that
• 10:53
  Sarah Karakaian: cost
• 10:54
  Sarah Karakaian: that
• 10:55
  Sarah Karakaian: they
• 10:55
  Sarah Karakaian: were
• 10:55
  Sarah Karakaian: denied
• 10:56
  Sarah Karakaian: and
• 10:56
  Sarah Karakaian: they
• 10:56
  Sarah Karakaian: were
• 10:56
  Sarah Karakaian: kind
• 10:56
  Sarah Karakaian: of
• 10:56
  Sarah Karakaian: shocked
• 10:56
  Sarah Karakaian: by?
• 10:58
  Nick Massey: Yeah.
• 10:58
  Nick Massey: So
• 10:58
  Nick Massey: I
• 10:58
  Nick Massey: always
• 10:58
  Nick Massey: go
• 10:58
  Nick Massey: back
• 10:59
  Nick Massey: to
• 10:59
  Nick Massey: a
• 10:59
  Nick Massey: personal
• 11:00
  Nick Massey: client
• 11:00
  Nick Massey: of
• 11:00
  Nick Massey: mine.
• 11:01
  Nick Massey: Uh,
• 11:01
  Nick Massey: I
• 11:02
  Nick Massey: want
• 11:02
  Nick Massey: to
• 11:02
  Nick Massey: say
• 11:02
  Nick Massey: it
• 11:02
  Nick Massey: was
• 11:03
  Nick Massey: back
• 11:03
  Nick Massey: in
• 11:03
  Nick Massey: 17
• 11:04
  Nick Massey: or
• 11:05
  Nick Massey: 2018
• 11:05
  Nick Massey: when
• 11:06
  Nick Massey: it
• 11:06
  Nick Massey: happened.
• 11:06
  Nick Massey: But
• 11:07
  Nick Massey: so
• 11:08
  Nick Massey: they
• 11:08
  Nick Massey: had
• 11:09
  Nick Massey: accepted
• 11:09
  Nick Massey: a
• 11:09
  Nick Massey: booking
• 11:10
  Nick Massey: and
• 11:11
  Nick Massey: a
• 11:11
  Nick Massey: group
• 11:11
  Nick Massey: of
• 11:12
  Nick Massey: college
• 11:13
  Nick Massey: age
• 11:13
  Nick Massey: individuals
• 11:14
  Nick Massey: stayed.
• 11:14
  Nick Massey: I
• 11:14
  Nick Massey: want
• 11:15
  Nick Massey: to
• 11:15
  Nick Massey: say
• 11:15
  Nick Massey: it
• 11:15
  Nick Massey: was
• 11:15
  Nick Massey: a
• 11:15
  Nick Massey: Thursday
• 11:16
  Nick Massey: night
• 11:17
  Nick Massey: and
• 11:17
  Nick Massey: the
• 11:17
  Nick Massey: neighbor
• 11:17
  Nick Massey: had
• 11:17
  Nick Massey: called
• 11:18
  Nick Massey: my
• 11:18
  Nick Massey: client
• 11:19
  Nick Massey: and
• 11:19
  Nick Massey: said
• 11:19
  Nick Massey: they
• 11:19
  Nick Massey: were
• 11:19
  Nick Massey: having
• 11:20
  Nick Massey: a
• 11:20
  Nick Massey: party.
• 11:21
  Nick Massey: So
• 11:21
  Nick Massey: he
• 11:21
  Nick Massey: reached
• 11:22
  Nick Massey: out
• 11:22
  Nick Massey: to
• 11:22
  Nick Massey: Airbnb,
• 11:23
  Nick Massey: had
• 11:23
  Nick Massey: them
• 11:23
  Nick Massey: cancel
• 11:24
  Nick Massey: the
• 11:24
  Nick Massey: booking,
• 11:25
  Nick Massey: and
• 11:25
  Nick Massey: then
• 11:26
  Nick Massey: they
• 11:26
  Nick Massey: broke
• 11:26
  Nick Massey: in
• 11:26
  Nick Massey: the
• 11:26
  Nick Massey: next
• 11:27
  Nick Massey: night.
• 11:28
  Nick Massey: and
• 11:28
  Nick Massey: through
• 11:28
  Nick Massey: an
• 11:28
  Nick Massey: even
• 11:29
  Nick Massey: bigger
• 11:29
  Nick Massey: party
• 11:30
  Nick Massey: and
• 11:30
  Nick Massey: ended
• 11:31
  Nick Massey: up
• 11:31
  Nick Massey: causing
• 11:31
  Nick Massey: about
• 11:31
  Nick Massey: 102,
• 11:31
  Nick Massey: 000
• 11:33
  Nick Massey: in
• 11:33
  Nick Massey: damage
• 11:33
  Nick Massey: to
• 11:34
  Nick Massey: their
• 11:34
  Nick Massey: home.
• 11:35
  Nick Massey: Now,
• 11:35
  Nick Massey: initially,
• 11:36
  Nick Massey: Airbnb
• 11:36
  Nick Massey: denied
• 11:37
  Nick Massey: air
• 11:37
  Nick Massey: cover.
• 11:38
  Nick Massey: At
• 11:38
  Nick Massey: that
• 11:38
  Nick Massey: time,
• 11:39
  Nick Massey: it
• 11:39
  Nick Massey: was
• 11:39
  Nick Massey: called
• 11:39
  Nick Massey: the
• 11:39
  Nick Massey: host
• 11:39
  Nick Massey: guarantee.
• 11:40
  Nick Massey: Uh,
• 11:42
  Nick Massey: they
• 11:42
  Nick Massey: denied
• 11:42
  Nick Massey: the
• 11:42
  Nick Massey: claim
• 11:43
  Nick Massey: because
• 11:43
  Nick Massey: there
• 11:43
  Nick Massey: wasn't
• 11:44
  Nick Massey: technically
• 11:44
  Nick Massey: an
• 11:44
  Nick Massey: active
• 11:45
  Nick Massey: booking.
• 11:46
  Nick Massey: Now,
• 11:46
  Nick Massey: through
• 11:46
  Nick Massey: the
• 11:46
  Nick Massey: investigation
• 11:47
  Nick Massey: with
• 11:47
  Nick Massey: the
• 11:47
  Nick Massey: sheriff,
• 11:48
  Nick Massey: uh,
• 11:49
  Nick Massey: they
• 11:49
  Nick Massey: had
• 11:49
  Nick Massey: found
• 11:49
  Nick Massey: a
• 11:49
  Nick Massey: wallet.
• 11:50
  Nick Massey: The
• 11:50
  Nick Massey: id
• 11:51
  Nick Massey: in
• 11:51
  Nick Massey: the
• 11:51
  Nick Massey: wallet
• 11:51
  Nick Massey: happened
• 11:52
  Nick Massey: to
• 11:52
  Nick Massey: be
• 11:52
  Nick Massey: the
• 11:52
  Nick Massey: individual
• 11:53
  Nick Massey: who
• 11:53
  Nick Massey: did
• 11:54
  Nick Massey: book
• 11:54
  Nick Massey: the
• 11:54
  Nick Massey: property
• 11:55
  Nick Massey: And
• 11:55
  Nick Massey: so
• 11:55
  Nick Massey: airbnb
• 11:56
  Nick Massey: provided
• 11:57
  Nick Massey: some
• 11:57
  Nick Massey: response
• 11:58
  Nick Massey: if
• 11:58
  Nick Massey: I
• 11:58
  Nick Massey: recall
• 11:59
  Nick Massey: correctly,
• 11:59
  Nick Massey: it
• 11:59
  Nick Massey: was
• 11:59
  Nick Massey: around
• 12:00
  Nick Massey: 17,
• 12:01
  Nick Massey: 000
• 12:01
  Nick Massey: which
• 12:01
  Nick Massey: was
• 12:02
  Nick Massey: just
• 12:02
  Nick Massey: the
• 12:02
  Nick Massey: cost
• 12:03
  Nick Massey: to
• 12:03
  Nick Massey: clean
• 12:03
  Nick Massey: up
• 12:03
  Nick Massey: the
• 12:04
  Nick Massey: home
• 12:04
  Nick Massey: not
• 12:05
  Nick Massey: to
• 12:05
  Nick Massey: repair
• 12:06
  Nick Massey: the
• 12:06
  Nick Massey: damage
• 12:06
  Nick Massey: that
• 12:06
  Nick Massey: was
• 12:07
  Nick Massey: done
• 12:07
  Nick Massey: broken
• 12:08
  Nick Massey: windows
• 12:08
  Nick Massey: pulled
• 12:08
  Nick Massey: cabinets
• 12:09
  Nick Massey: off
• 12:09
  Nick Massey: the
• 12:09
  Nick Massey: off
• 12:10
  Nick Massey: the
• 12:10
  Nick Massey: wall
• 12:10
  Nick Massey: burnt
• 12:10
  Nick Massey: furniture
• 12:11
  Nick Massey: in
• 12:11
  Nick Massey: their
• 12:11
  Nick Massey: backyard
• 12:12
  Nick Massey: like
• 12:13
  Nick Massey: Total
• 12:13
  Nick Massey: retaliation
• 12:14
  Nick Massey: for
• 12:14
  Nick Massey: their
• 12:14
  Nick Massey: booking
• 12:15
  Nick Massey: getting
• 12:15
  Nick Massey: canceled
• 12:15
  Nick Massey: at
• 12:15
  Nick Massey: this
• 12:16
  Nick Massey: property
• 12:17
  Nick Massey: so
• 12:18
  Nick Massey: They
• 12:19
  Nick Massey: did
• 12:19
  Nick Massey: the
• 12:19
  Nick Massey: right
• 12:19
  Nick Massey: thing
• 12:20
  Nick Massey: in
• 12:20
  Nick Massey: that
• 12:20
  Nick Massey: in
• 12:20
  Nick Massey: where
• 12:21
  Nick Massey: they
• 12:21
  Nick Massey: more
• 12:21
  Nick Massey: or
• 12:21
  Nick Massey: less
• 12:22
  Nick Massey: declined
• 12:23
  Nick Massey: Airbnb's
• 12:23
  Nick Massey: offer
• 12:24
  Nick Massey: of
• 12:24
  Nick Massey: 17,
• 12:24
  Nick Massey: 000
• 12:25
  Nick Massey: because
• 12:25
  Nick Massey: it
• 12:25
  Nick Massey: clearly
• 12:26
  Nick Massey: wasn't
• 12:26
  Nick Massey: enough.
• 12:27
  Nick Massey: Uh,
• 12:27
  Nick Massey: and
• 12:27
  Nick Massey: then
• 12:27
  Nick Massey: we
• 12:28
  Nick Massey: ended
• 12:28
  Nick Massey: up
• 12:28
  Nick Massey: responding
• 12:28
  Nick Massey: to
• 12:29
  Nick Massey: the
• 12:29
  Nick Massey: property
• 12:29
  Nick Massey: damage
• 12:30
  Nick Massey: and
• 12:30
  Nick Massey: the
• 12:30
  Nick Massey: lost
• 12:30
  Nick Massey: business
• 12:30
  Nick Massey: revenue
• 12:31
  Nick Massey: on
• 12:31
  Nick Massey: that
• 12:31
  Nick Massey: to
• 12:31
  Nick Massey: the
• 12:31
  Nick Massey: tune
• 12:32
  Nick Massey: of
• 12:32
  Nick Massey: about
• 12:32
  Nick Massey: 102,
• 12:34
  Nick Massey: 000.
• 12:34
  Annette Grant: Wow.
• 12:35
  Nick Massey: Um,
• 12:35
  Nick Massey: we've
• 12:36
  Nick Massey: had
• 12:36
  Nick Massey: plenty
• 12:36
  Nick Massey: of
• 12:36
  Nick Massey: situations
• 12:37
  Nick Massey: though
• 12:37
  Nick Massey: on
• 12:38
  Nick Massey: the
• 12:38
  Nick Massey: flip
• 12:38
  Nick Massey: side
• 12:38
  Nick Massey: where
• 12:40
  Nick Massey: We,
• 12:40
  Nick Massey: a
• 12:40
  Nick Massey: client
• 12:41
  Nick Massey: calls
• 12:41
  Nick Massey: into
• 12:41
  Nick Massey: us
• 12:42
  Nick Massey: to
• 12:42
  Nick Massey: file
• 12:42
  Nick Massey: a
• 12:42
  Nick Massey: claim.
• 12:43
  Nick Massey: We
• 12:43
  Nick Massey: have
• 12:43
  Nick Massey: an
• 12:43
  Nick Massey: in
• 12:43
  Nick Massey: house
• 12:43
  Nick Massey: claims
• 12:44
  Nick Massey: team,
• 12:44
  Nick Massey: which
• 12:44
  Nick Massey: is
• 12:44
  Nick Massey: very
• 12:44
  Nick Massey: unique
• 12:45
  Nick Massey: in
• 12:45
  Nick Massey: the
• 12:45
  Nick Massey: insurance
• 12:46
  Nick Massey: market.
• 12:47
  Nick Massey: A
• 12:47
  Nick Massey: lot
• 12:47
  Nick Massey: of
• 12:47
  Nick Massey: times
• 12:47
  Nick Massey: claims
• 12:48
  Nick Massey: are,
• 12:48
  Nick Massey: are,
• 12:49
  Nick Massey: um,
• 12:50
  Nick Massey: you
• 12:50
  Nick Massey: know,
• 12:51
  Nick Massey: kind
• 12:51
  Nick Massey: of
• 12:51
  Nick Massey: pushed
• 12:51
  Nick Massey: off
• 12:52
  Nick Massey: to
• 12:52
  Nick Massey: a
• 12:52
  Nick Massey: third
• 12:52
  Nick Massey: party
• 12:52
  Nick Massey: organization
• 12:54
  Nick Massey: as
• 12:54
  Nick Massey: a
• 12:54
  Nick Massey: contractor
• 12:54
  Nick Massey: to
• 12:55
  Nick Massey: handle
• 12:55
  Nick Massey: everything
• 12:56
  Nick Massey: we,
• 12:56
  Nick Massey: we
• 12:56
  Nick Massey: handle
• 12:56
  Nick Massey: it
• 12:56
  Nick Massey: all
• 12:57
  Nick Massey: in
• 12:57
  Nick Massey: house
• 12:57
  Nick Massey: because
• 12:57
  Nick Massey: we
• 12:57
  Nick Massey: know
• 12:58
  Nick Massey: our
• 12:58
  Nick Massey: contract
• 12:58
  Nick Massey: in
• 12:58
  Nick Massey: and
• 12:59
  Nick Massey: out,
• 12:59
  Nick Massey: so
• 12:59
  Nick Massey: we
• 12:59
  Nick Massey: should
• 12:59
  Nick Massey: be
• 12:59
  Nick Massey: adjusting
• 13:00
  Nick Massey: our
• 13:00
  Nick Massey: own
• 13:00
  Nick Massey: claims,
• 13:01
  Nick Massey: uh,
• 13:01
  Nick Massey: and
• 13:02
  Nick Massey: that's.
• 13:02
  Nick Massey: That's
• 13:02
  Nick Massey: a
• 13:02
  Nick Massey: very,
• 13:03
  Nick Massey: very
• 13:03
  Nick Massey: special
• 13:04
  Nick Massey: designation
• 13:04
  Nick Massey: to
• 13:04
  Nick Massey: have
• 13:05
  Nick Massey: in
• 13:05
  Nick Massey: the,
• 13:05
  Nick Massey: in
• 13:05
  Nick Massey: the
• 13:05
  Nick Massey: world
• 13:06
  Nick Massey: of
• 13:06
  Nick Massey: insurance.
• 13:07
  Nick Massey: So
• 13:07
  Nick Massey: when
• 13:08
  Nick Massey: we
• 13:08
  Nick Massey: have
• 13:08
  Nick Massey: a
• 13:08
  Nick Massey: client
• 13:08
  Nick Massey: come
• 13:09
  Nick Massey: in
• 13:09
  Nick Massey: and
• 13:09
  Nick Massey: say
• 13:09
  Nick Massey: we
• 13:09
  Nick Massey: have
• 13:10
  Nick Massey: guest
• 13:10
  Nick Massey: cause
• 13:10
  Nick Massey: damage
• 13:11
  Nick Massey: specifically
• 13:11
  Nick Massey: that
• 13:11
  Nick Massey: term
• 13:12
  Nick Massey: guest
• 13:12
  Nick Massey: cause
• 13:13
  Nick Massey: damage
• 13:14
  Nick Massey: Uh
• 13:14
  Nick Massey: from
• 13:14
  Nick Massey: an
• 13:15
  Nick Massey: airbnb
• 13:15
  Nick Massey: booking
• 13:16
  Nick Massey: my
• 13:17
  Nick Massey: claims
• 13:17
  Nick Massey: team
• 13:18
  Nick Massey: They're
• 13:18
  Nick Massey: going
• 13:18
  Nick Massey: to
• 13:18
  Nick Massey: initially
• 13:19
  Nick Massey: push
• 13:19
  Nick Massey: off
• 13:19
  Nick Massey: and
• 13:19
  Nick Massey: say
• 13:20
  Nick Massey: let's
• 13:20
  Nick Massey: get
• 13:20
  Nick Massey: a
• 13:20
  Nick Massey: claim
• 13:21
  Nick Massey: filed
• 13:21
  Nick Massey: with
• 13:21
  Nick Massey: airbnb
• 13:22
  Nick Massey: and
• 13:22
  Nick Massey: see
• 13:22
  Nick Massey: what
• 13:22
  Nick Massey: they're
• 13:22
  Nick Massey: going
• 13:22
  Nick Massey: to
• 13:22
  Nick Massey: do
• 13:23
  Nick Massey: about
• 13:23
  Nick Massey: this
• 13:24
  Nick Massey: Okay,
• 13:24
  Nick Massey: because
• 13:25
  Nick Massey: Yeah,
• 13:26
  Nick Massey: we're
• 13:26
  Nick Massey: here
• 13:26
  Nick Massey: to
• 13:26
  Nick Massey: protect
• 13:27
  Nick Massey: you,
• 13:27
  Nick Massey: but
• 13:28
  Nick Massey: if
• 13:28
  Nick Massey: you
• 13:28
  Nick Massey: got
• 13:28
  Nick Massey: 20,
• 13:28
  Nick Massey: 30,
• 13:28
  Nick Massey: 40,
• 13:29
  Nick Massey: 000
• 13:30
  Nick Massey: in
• 13:30
  Nick Massey: damage
• 13:31
  Nick Massey: from
• 13:31
  Nick Massey: a
• 13:31
  Nick Massey: guest
• 13:32
  Nick Massey: and
• 13:32
  Nick Massey: Airbnb
• 13:32
  Nick Massey: is
• 13:32
  Nick Massey: going
• 13:33
  Nick Massey: to
• 13:33
  Nick Massey: respond
• 13:33
  Nick Massey: to
• 13:33
  Nick Massey: the
• 13:33
  Nick Massey: whole
• 13:33
  Nick Massey: thing,
• 13:34
  Nick Massey: you
• 13:34
  Nick Massey: don't
• 13:34
  Nick Massey: want
• 13:35
  Nick Massey: that
• 13:35
  Nick Massey: impact
• 13:35
  Nick Massey: potentially
• 13:36
  Nick Massey: on
• 13:36
  Nick Massey: your
• 13:36
  Nick Massey: regular
• 13:37
  Nick Massey: insurance.
• 13:37
  Nick Massey: Right.
• 13:38
  Nick Massey: So,
• 13:39
  Nick Massey: we
• 13:39
  Nick Massey: do
• 13:39
  Nick Massey: that
• 13:40
  Nick Massey: and
• 13:40
  Nick Massey: then
• 13:40
  Nick Massey: we
• 13:40
  Nick Massey: wait
• 13:40
  Nick Massey: for
• 13:40
  Nick Massey: what
• 13:41
  Nick Massey: Airbnb
• 13:41
  Nick Massey: is
• 13:41
  Nick Massey: going
• 13:41
  Nick Massey: to
• 13:41
  Nick Massey: do.
• 13:42
  Nick Massey: The
• 13:42
  Nick Massey: problem
• 13:42
  Nick Massey: with
• 13:43
  Nick Massey: that
• 13:43
  Nick Massey: is
• 13:43
  Nick Massey: that
• 13:43
  Nick Massey: it
• 13:43
  Nick Massey: is
• 13:44
  Nick Massey: a
• 13:44
  Nick Massey: drag
• 13:44
  Nick Massey: of
• 13:45
  Nick Massey: the
• 13:45
  Nick Massey: feet.
• 13:45
  Nick Massey: It
• 13:46
  Nick Massey: can
• 13:46
  Nick Massey: take
• 13:46
  Nick Massey: weeks
• 13:47
  Nick Massey: and
• 13:47
  Nick Massey: weeks
• 13:47
  Nick Massey: and
• 13:47
  Nick Massey: weeks,
• 13:48
  Nick Massey: which
• 13:49
  Nick Massey: all
• 13:49
  Nick Massey: that
• 13:49
  Nick Massey: does
• 13:49
  Nick Massey: is
• 13:49
  Nick Massey: stack
• 13:50
  Nick Massey: up
• 13:50
  Nick Massey: lost
• 13:50
  Nick Massey: revenue
• 13:51
  Nick Massey: on
• 13:52
  Nick Massey: the
• 13:52
  Nick Massey: backside
• 13:53
  Nick Massey: for
• 13:53
  Nick Massey: them
• 13:53
  Nick Massey: to
• 13:53
  Nick Massey: respond
• 13:54
  Nick Massey: and
• 13:54
  Nick Massey: say
• 13:54
  Nick Massey: what
• 13:54
  Nick Massey: they're
• 13:54
  Nick Massey: going
• 13:55
  Nick Massey: to
• 13:55
  Nick Massey: do.
• 13:55
  Nick Massey: Sometimes
• 13:55
  Nick Massey: they're
• 13:55
  Nick Massey: very
• 13:55
  Nick Massey: quick,
• 13:56
  Nick Massey: but
• 13:56
  Nick Massey: our
• 13:57
  Nick Massey: experience
• 13:57
  Nick Massey: is
• 13:57
  Nick Massey: that
• 13:57
  Nick Massey: it's
• 13:58
  Nick Massey: kind
• 13:58
  Nick Massey: of
• 13:58
  Nick Massey: slow.
• 13:59
  Nick Massey: So
• 13:59
  Nick Massey: maybe
• 13:59
  Nick Massey: in
• 13:59
  Nick Massey: that
• 13:59
  Nick Massey: situation,
• 14:00
  Nick Massey: you
• 14:00
  Nick Massey: have
• 14:00
  Nick Massey: 20,
• 14:02
  Nick Massey: 30,
• 14:02
  Nick Massey: 000
• 14:02
  Nick Massey: in
• 14:02
  Nick Massey: damage
• 14:02
  Nick Massey: from
• 14:02
  Nick Massey: a
• 14:02
  Nick Massey: guest
• 14:03
  Nick Massey: and
• 14:04
  Nick Massey: air
• 14:04
  Nick Massey: covers
• 14:04
  Nick Massey: says
• 14:05
  Nick Massey: we
• 14:05
  Nick Massey: cover
• 14:05
  Nick Massey: 12,
• 14:06
  Nick Massey: 000
• 14:07
  Nick Massey: of
• 14:07
  Nick Massey: it.
• 14:07
  Nick Massey: Okay,
• 14:08
  Nick Massey: cool.
• 14:09
  Nick Massey: We're
• 14:09
  Nick Massey: going
• 14:09
  Nick Massey: to
• 14:09
  Nick Massey: come
• 14:09
  Nick Massey: in
• 14:10
  Nick Massey: and
• 14:10
  Nick Massey: take
• 14:10
  Nick Massey: care
• 14:10
  Nick Massey: of
• 14:11
  Nick Massey: the
• 14:11
  Nick Massey: rest
• 14:11
  Nick Massey: of
• 14:11
  Nick Massey: that
• 14:12
  Nick Massey: from
• 14:12
  Nick Massey: that
• 14:12
  Nick Massey: 12,
• 14:12
  Nick Massey: 000
• 14:13
  Nick Massey: up
• 14:14
  Nick Massey: because
• 14:14
  Nick Massey: Airbnb
• 14:14
  Nick Massey: is
• 14:14
  Nick Massey: responding
• 14:15
  Nick Massey: and
• 14:15
  Nick Massey: of
• 14:15
  Nick Massey: course
• 14:16
  Nick Massey: if
• 14:16
  Nick Massey: they
• 14:16
  Nick Massey: just
• 14:16
  Nick Massey: flat
• 14:16
  Nick Massey: out
• 14:16
  Nick Massey: say
• 14:17
  Nick Massey: no
• 14:17
  Nick Massey: and
• 14:17
  Nick Massey: it's
• 14:17
  Nick Massey: a
• 14:17
  Nick Massey: covered
• 14:18
  Nick Massey: cause
• 14:18
  Nick Massey: of
• 14:18
  Nick Massey: loss
• 14:18
  Nick Massey: on
• 14:19
  Nick Massey: say
• 14:19
  Nick Massey: our
• 14:19
  Nick Massey: policy,
• 14:20
  Nick Massey: then
• 14:20
  Nick Massey: we're
• 14:20
  Nick Massey: responding
• 14:21
  Nick Massey: to
• 14:21
  Nick Massey: that
• 14:21
  Nick Massey: thing
• 14:21
  Nick Massey: entirely
• 14:22
  Nick Massey: less
• 14:22
  Nick Massey: your
• 14:22
  Nick Massey: deductible.
• 14:24
  Sarah Karakaian: Are
• 14:24
  Sarah Karakaian: there
• 14:24
  Sarah Karakaian: any
• 14:25
  Sarah Karakaian: other
• 14:25
  Sarah Karakaian: OTAs
• 14:26
  Sarah Karakaian: that
• 14:26
  Sarah Karakaian: offer?
• 14:27
  Sarah Karakaian: Uh,
• 14:28
  Sarah Karakaian: like
• 14:28
  Sarah Karakaian: a
• 14:28
  Sarah Karakaian: damaged
• 14:28
  Sarah Karakaian: waiver
• 14:28
  Sarah Karakaian: type
• 14:29
  Sarah Karakaian: thing
• 14:29
  Sarah Karakaian: that,
• 14:29
  Sarah Karakaian: that
• 14:29
  Sarah Karakaian: air
• 14:29
  Sarah Karakaian: cover
• 14:30
  Sarah Karakaian: does,
• 14:30
  Sarah Karakaian: or
• 14:30
  Sarah Karakaian: is,
• 14:30
  Sarah Karakaian: are
• 14:30
  Sarah Karakaian: they,
• 14:31
  Sarah Karakaian: is
• 14:31
  Sarah Karakaian: Airbnb
• 14:31
  Sarah Karakaian: really
• 14:31
  Sarah Karakaian: the
• 14:32
  Sarah Karakaian: only
• 14:32
  Sarah Karakaian: one
• 14:32
  Sarah Karakaian: that
• 14:32
  Sarah Karakaian: offers
• 14:32
  Sarah Karakaian: that?
• 14:33
  Nick Massey: Airbnb
• 14:34
  Nick Massey: is
• 14:34
  Nick Massey: the
• 14:34
  Nick Massey: only
• 14:34
  Nick Massey: one
• 14:34
  Nick Massey: that
• 14:34
  Nick Massey: offers
• 14:35
  Nick Massey: it
• 14:35
  Nick Massey: to
• 14:35
  Nick Massey: the
• 14:35
  Nick Massey: scale
• 14:35
  Nick Massey: they
• 14:36
  Nick Massey: do.
• 14:36
  Nick Massey: And
• 14:36
  Nick Massey: really
• 14:37
  Nick Massey: because
• 14:37
  Nick Massey: the
• 14:37
  Nick Massey: insurance
• 14:38
  Nick Massey: market,
• 14:38
  Nick Massey: we're,
• 14:38
  Nick Massey: we're
• 14:39
  Nick Massey: in
• 14:39
  Nick Massey: what's
• 14:39
  Nick Massey: called
• 14:39
  Nick Massey: a
• 14:39
  Nick Massey: hard
• 14:39
  Nick Massey: market
• 14:40
  Nick Massey: right
• 14:40
  Nick Massey: now.
• 14:41
  Nick Massey: Um,
• 14:41
  Nick Massey: and
• 14:41
  Nick Massey: what
• 14:41
  Nick Massey: that
• 14:41
  Nick Massey: means
• 14:42
  Nick Massey: to
• 14:42
  Nick Massey: the
• 14:42
  Nick Massey: listener
• 14:43
  Nick Massey: is
• 14:43
  Nick Massey: if
• 14:43
  Nick Massey: you
• 14:44
  Nick Massey: look
• 14:44
  Nick Massey: back,
• 14:45
  Nick Massey: you
• 14:45
  Nick Massey: know,
• 14:45
  Nick Massey: really
• 14:46
  Nick Massey: from
• 14:46
  Nick Massey: 2017
• 14:47
  Nick Massey: was
• 14:48
  Nick Massey: when
• 14:48
  Nick Massey: this
• 14:48
  Nick Massey: really
• 14:48
  Nick Massey: started,
• 14:49
  Nick Massey: but
• 14:49
  Nick Massey: there's
• 14:50
  Nick Massey: been
• 14:50
  Nick Massey: so
• 14:50
  Nick Massey: many
• 14:51
  Nick Massey: large
• 14:51
  Nick Massey: natural
• 14:51
  Nick Massey: disasters
• 14:52
  Nick Massey: and
• 14:53
  Nick Massey: problems
• 14:54
  Nick Massey: in
• 14:54
  Nick Massey: the
• 14:54
  Nick Massey: insurance.
• 14:55
  Nick Massey: Industry
• 14:56
  Nick Massey: as
• 14:56
  Nick Massey: a
• 14:56
  Nick Massey: whole,
• 14:56
  Nick Massey: especially
• 14:57
  Nick Massey: in
• 14:57
  Nick Massey: the
• 14:57
  Nick Massey: United
• 14:57
  Nick Massey: States,
• 14:58
  Nick Massey: that
• 14:58
  Nick Massey: it's
• 14:59
  Nick Massey: really
• 14:59
  Nick Massey: hard
• 14:59
  Nick Massey: to
• 14:59
  Nick Massey: get
• 14:59
  Nick Massey: program
• 15:00
  Nick Massey: business
• 15:01
  Nick Massey: through
• 15:01
  Nick Massey: and
• 15:02
  Nick Massey: what
• 15:02
  Nick Massey: program
• 15:02
  Nick Massey: business
• 15:03
  Nick Massey: is
• 15:03
  Nick Massey: a
• 15:03
  Nick Massey: custom
• 15:03
  Nick Massey: built
• 15:04
  Nick Massey: policy
• 15:04
  Nick Massey: for
• 15:05
  Nick Massey: a
• 15:05
  Nick Massey: particular
• 15:05
  Nick Massey: market
• 15:06
  Nick Massey: type.
• 15:06
  Nick Massey: So
• 15:07
  Nick Massey: we
• 15:07
  Nick Massey: were
• 15:07
  Nick Massey: able
• 15:07
  Nick Massey: to
• 15:07
  Nick Massey: do
• 15:07
  Nick Massey: what
• 15:08
  Nick Massey: we
• 15:08
  Nick Massey: did
• 15:09
  Nick Massey: in
• 15:09
  Nick Massey: in
• 15:09
  Nick Massey: 2014
• 15:11
  Nick Massey: if
• 15:11
  Nick Massey: we
• 15:11
  Nick Massey: were
• 15:11
  Nick Massey: trying
• 15:12
  Nick Massey: to
• 15:12
  Nick Massey: do
• 15:12
  Nick Massey: what
• 15:12
  Nick Massey: we
• 15:12
  Nick Massey: do
• 15:12
  Nick Massey: today.
• 15:13
  Nick Massey: In
• 15:14
  Nick Massey: today's
• 15:14
  Nick Massey: market,
• 15:14
  Nick Massey: it
• 15:14
  Nick Massey: would
• 15:15
  Nick Massey: never
• 15:15
  Nick Massey: happen.
• 15:15
  Nick Massey: We
• 15:16
  Nick Massey: would
• 15:16
  Nick Massey: never
• 15:16
  Nick Massey: be
• 15:16
  Nick Massey: able
• 15:16
  Nick Massey: to
• 15:16
  Nick Massey: get
• 15:17
  Nick Massey: our
• 15:17
  Nick Massey: program
• 15:17
  Nick Massey: through
• 15:18
  Nick Massey: because
• 15:18
  Nick Massey: nobody
• 15:19
  Nick Massey: would
• 15:19
  Nick Massey: want
• 15:19
  Nick Massey: to
• 15:19
  Nick Massey: touch
• 15:19
  Nick Massey: it.
• 15:19
  Nick Massey: It's
• 15:19
  Nick Massey: too
• 15:20
  Nick Massey: risky.
• 15:21
  Nick Massey: So
• 15:21
  Nick Massey: we're
• 15:21
  Nick Massey: in
• 15:21
  Nick Massey: a
• 15:21
  Nick Massey: hard
• 15:21
  Nick Massey: market
• 15:22
  Nick Massey: and
• 15:22
  Nick Massey: Airbnb
• 15:22
  Nick Massey: was
• 15:23
  Nick Massey: fortunate
• 15:23
  Nick Massey: enough
• 15:23
  Nick Massey: to
• 15:23
  Nick Massey: get
• 15:24
  Nick Massey: their
• 15:24
  Nick Massey: program
• 15:24
  Nick Massey: going
• 15:25
  Nick Massey: prior
• 15:25
  Nick Massey: to
• 15:25
  Nick Massey: this
• 15:26
  Nick Massey: real
• 15:26
  Nick Massey: restrictive
• 15:27
  Nick Massey: market
• 15:27
  Nick Massey: that
• 15:27
  Nick Massey: we're
• 15:27
  Nick Massey: in
• 15:28
  Nick Massey: now,
• 15:28
  Nick Massey: Verbo
• 15:28
  Nick Massey: offers
• 15:29
  Nick Massey: a
• 15:29
  Nick Massey: liability
• 15:30
  Nick Massey: policy.
• 15:30
  Nick Massey: They
• 15:30
  Nick Massey: started
• 15:31
  Nick Massey: doing
• 15:31
  Nick Massey: that
• 15:31
  Nick Massey: in
• 15:32
  Nick Massey: 2016,
• 15:33
  Nick Massey: 2017.
• 15:34
  Nick Massey: And
• 15:34
  Nick Massey: then
• 15:34
  Nick Massey: they
• 15:35
  Nick Massey: tack
• 15:35
  Nick Massey: in
• 15:35
  Nick Massey: other
• 15:36
  Nick Massey: supplemental
• 15:36
  Nick Massey: damage
• 15:37
  Nick Massey: waivers
• 15:37
  Nick Massey: through
• 15:37
  Nick Massey: some
• 15:38
  Nick Massey: travel
• 15:38
  Nick Massey: insurance
• 15:38
  Nick Massey: providers,
• 15:39
  Nick Massey: uh,
• 15:39
  Nick Massey: generally
• 15:40
  Nick Massey: specifically,
• 15:41
  Nick Massey: uh,
• 15:42
  Nick Massey: that
• 15:42
  Nick Massey: covers
• 15:42
  Nick Massey: a
• 15:42
  Nick Massey: little
• 15:42
  Nick Massey: bit
• 15:42
  Nick Massey: of
• 15:42
  Nick Massey: stuff.
• 15:43
  Nick Massey: Uh,
• 15:43
  Nick Massey: we
• 15:44
  Nick Massey: see
• 15:44
  Nick Massey: the
• 15:44
  Nick Massey: likes
• 15:44
  Nick Massey: of
• 15:44
  Nick Massey: companies
• 15:45
  Nick Massey: like
• 15:45
  Nick Massey: evolve,
• 15:46
  Nick Massey: for
• 15:46
  Nick Massey: example,
• 15:47
  Nick Massey: um,
• 15:47
  Nick Massey: you
• 15:47
  Nick Massey: know,
• 15:48
  Nick Massey: they're
• 15:48
  Nick Massey: not
• 15:48
  Nick Massey: a
• 15:48
  Nick Massey: full
• 15:48
  Nick Massey: service
• 15:48
  Nick Massey: management
• 15:49
  Nick Massey: company.
• 15:49
  Nick Massey: They're
• 15:49
  Nick Massey: kind
• 15:50
  Nick Massey: of
• 15:50
  Nick Massey: a
• 15:50
  Nick Massey: mix
• 15:51
  Nick Massey: kind
• 15:51
  Nick Massey: of
• 15:51
  Nick Massey: OTA.
• 15:52
  Nick Massey: You
• 15:52
  Nick Massey: do
• 15:52
  Nick Massey: a
• 15:52
  Nick Massey: lot
• 15:52
  Nick Massey: of
• 15:52
  Nick Massey: your
• 15:52
  Nick Massey: own
• 15:53
  Nick Massey: boots
• 15:53
  Nick Massey: on
• 15:53
  Nick Massey: the
• 15:53
  Nick Massey: ground,
• 15:53
  Nick Massey: but
• 15:54
  Nick Massey: they
• 15:54
  Nick Massey: help
• 15:54
  Nick Massey: with
• 15:54
  Nick Massey: some
• 15:55
  Nick Massey: client
• 15:55
  Nick Massey: communication
• 15:56
  Nick Massey: and
• 15:56
  Nick Massey: collecting
• 15:57
  Nick Massey: the
• 15:57
  Nick Massey: rent
• 15:57
  Nick Massey: and
• 15:57
  Nick Massey: stuff.
• 15:58
  Nick Massey: They
• 15:58
  Nick Massey: have
• 15:58
  Nick Massey: a
• 15:58
  Nick Massey: program.
• 16:00
  Nick Massey: is
• 16:00
  Nick Massey: well,
• 16:00
  Nick Massey: but
• 16:00
  Nick Massey: it's
• 16:01
  Nick Massey: no
• 16:01
  Nick Massey: different
• 16:01
  Nick Massey: than
• 16:02
  Nick Massey: a
• 16:02
  Nick Massey: damage
• 16:02
  Nick Massey: waiver
• 16:03
  Nick Massey: supplement
• 16:03
  Nick Massey: that
• 16:03
  Nick Massey: our
• 16:04
  Nick Massey: sister
• 16:04
  Nick Massey: company
• 16:04
  Nick Massey: would
• 16:05
  Nick Massey: sell
• 16:05
  Nick Massey: you
• 16:05
  Nick Massey: as
• 16:05
  Nick Massey: an
• 16:05
  Nick Massey: individual
• 16:06
  Nick Massey: on
• 16:07
  Nick Massey: a
• 16:07
  Nick Massey: by
• 16:07
  Nick Massey: booking
• 16:07
  Nick Massey: basis.
• 16:08
  Nick Massey: It
• 16:08
  Nick Massey: cost
• 16:08
  Nick Massey: the
• 16:08
  Nick Massey: guest
• 16:08
  Nick Massey: a
• 16:08
  Nick Massey: few
• 16:09
  Nick Massey: bucks,
• 16:09
  Nick Massey: usually
• 16:10
  Nick Massey: 40
• 16:11
  Nick Massey: 50
• 16:11
  Nick Massey: 60
• 16:11
  Nick Massey: per
• 16:11
  Nick Massey: booking,
• 16:12
  Nick Massey: and
• 16:12
  Nick Massey: then
• 16:12
  Nick Massey: you
• 16:12
  Nick Massey: get
• 16:13
  Nick Massey: 5
• 16:15
  Nick Massey: in
• 16:15
  Nick Massey: supplemental
• 16:16
  Nick Massey: damage
• 16:16
  Nick Massey: protection.
• 16:17
  Nick Massey: So
• 16:18
  Nick Massey: we're
• 16:18
  Nick Massey: seeing
• 16:18
  Nick Massey: a
• 16:19
  Nick Massey: larger
• 16:19
  Nick Massey: growth
• 16:20
  Nick Massey: of
• 16:20
  Nick Massey: that.
• 16:21
  Nick Massey: type
• 16:21
  Nick Massey: of
• 16:21
  Nick Massey: program
• 16:22
  Nick Massey: through
• 16:23
  Nick Massey: the
• 16:23
  Nick Massey: online
• 16:23
  Nick Massey: travel
• 16:24
  Nick Massey: agencies
• 16:24
  Nick Massey: versus
• 16:24
  Nick Massey: this
• 16:25
  Nick Massey: kind
• 16:25
  Nick Massey: of
• 16:25
  Nick Massey: full
• 16:25
  Nick Massey: blown,
• 16:26
  Nick Massey: full
• 16:26
  Nick Massey: scale
• 16:26
  Nick Massey: thing
• 16:26
  Nick Massey: that
• 16:26
  Nick Massey: Airbnb
• 16:27
  Nick Massey: did.
• 16:28
  Nick Massey: I
• 16:28
  Nick Massey: think
• 16:28
  Nick Massey: if
• 16:28
  Nick Massey: Airbnb
• 16:29
  Nick Massey: ever
• 16:30
  Nick Massey: kind
• 16:30
  Nick Massey: of
• 16:30
  Nick Massey: lost
• 16:30
  Nick Massey: that
• 16:31
  Nick Massey: policy
• 16:31
  Nick Massey: or
• 16:31
  Nick Massey: it
• 16:31
  Nick Massey: got
• 16:32
  Nick Massey: really
• 16:32
  Nick Massey: restrictive
• 16:33
  Nick Massey: with
• 16:33
  Nick Massey: the
• 16:33
  Nick Massey: insurance
• 16:33
  Nick Massey: companies,
• 16:34
  Nick Massey: they'd
• 16:34
  Nick Massey: never
• 16:34
  Nick Massey: be
• 16:34
  Nick Massey: able
• 16:34
  Nick Massey: to
• 16:34
  Nick Massey: get
• 16:35
  Nick Massey: it
• 16:35
  Nick Massey: back.
• 16:35
  Sarah Karakaian: That's,
• 16:36
  Sarah Karakaian: and
• 16:37
  Sarah Karakaian: that's,
• 16:38
  Sarah Karakaian: yeah,
• 16:39
  Sarah Karakaian: I
• 16:39
  Sarah Karakaian: just,
• 16:39
  Sarah Karakaian: and
• 16:39
  Sarah Karakaian: I
• 16:40
  Sarah Karakaian: like
• 16:40
  Sarah Karakaian: that
• 16:40
  Sarah Karakaian: you
• 16:40
  Sarah Karakaian: actually
• 16:40
  Sarah Karakaian: do
• 16:41
  Sarah Karakaian: promote,
• 16:42
  Sarah Karakaian: let's
• 16:42
  Sarah Karakaian: go
• 16:42
  Sarah Karakaian: see
• 16:42
  Sarah Karakaian: what
• 16:42
  Sarah Karakaian: AirCover
• 16:43
  Sarah Karakaian: will
• 16:43
  Sarah Karakaian: cover
• 16:44
  Sarah Karakaian: first
• 16:44
  Sarah Karakaian: and
• 16:45
  Sarah Karakaian: then
• 16:46
  Sarah Karakaian: And
• 16:46
  Sarah Karakaian: then
• 16:46
  Sarah Karakaian: we
• 16:46
  Sarah Karakaian: can
• 16:46
  Sarah Karakaian: see
• 16:46
  Sarah Karakaian: how
• 16:46
  Sarah Karakaian: we
• 16:47
  Sarah Karakaian: need
• 16:47
  Sarah Karakaian: to
• 16:47
  Sarah Karakaian: move
• 16:47
  Sarah Karakaian: forward.
• 16:47
  Sarah Karakaian: So
• 16:48
  Sarah Karakaian: it
• 16:48
  Sarah Karakaian: proper
• 16:48
  Sarah Karakaian: recognizes
• 16:49
  Sarah Karakaian: that
• 16:49
  Sarah Karakaian: air
• 16:49
  Sarah Karakaian: cover
• 16:50
  Sarah Karakaian: could
• 16:50
  Sarah Karakaian: be
• 16:50
  Sarah Karakaian: a
• 16:50
  Sarah Karakaian: solution,
• 16:51
  Sarah Karakaian: but
• 16:51
  Sarah Karakaian: you
• 16:51
  Sarah Karakaian: just
• 16:51
  Sarah Karakaian: can't
• 16:51
  Sarah Karakaian: count
• 16:52
  Sarah Karakaian: on
• 16:52
  Sarah Karakaian: it
• 16:52
  Sarah Karakaian: because
• 16:52
  Sarah Karakaian: if
• 16:52
  Sarah Karakaian: they
• 16:53
  Sarah Karakaian: say
• 16:53
  Sarah Karakaian: no,
• 16:54
  Sarah Karakaian: you
• 16:54
  Sarah Karakaian: have
• 16:54
  Sarah Karakaian: no
• 16:54
  Sarah Karakaian: recourse.
• 16:55
  Sarah Karakaian: And
• 16:55
  Sarah Karakaian: now
• 16:55
  Sarah Karakaian: you
• 16:55
  Sarah Karakaian: gotta,
• 16:55
  Sarah Karakaian: you
• 16:56
  Sarah Karakaian: better
• 16:56
  Sarah Karakaian: hope
• 16:57
  Sarah Karakaian: that
• 16:57
  Sarah Karakaian: your,
• 16:57
  Sarah Karakaian: your
• 16:58
  Sarah Karakaian: current
• 16:58
  Sarah Karakaian: policy
• 16:59
  Sarah Karakaian: knows
• 16:59
  Sarah Karakaian: that
• 16:59
  Sarah Karakaian: you're
• 16:59
  Sarah Karakaian: doing
• 16:59
  Sarah Karakaian: short
• 17:00
  Sarah Karakaian: term
• 17:00
  Sarah Karakaian: rentals
• 17:01
  Sarah Karakaian: or
• 17:01
  Sarah Karakaian: furnished
• 17:01
  Sarah Karakaian: rentals
• 17:02
  Sarah Karakaian: and
• 17:02
  Sarah Karakaian: they're,
• 17:02
  Sarah Karakaian: they're
• 17:02
  Sarah Karakaian: able
• 17:02
  Sarah Karakaian: to
• 17:02
  Sarah Karakaian: cover
• 17:03
  Sarah Karakaian: whatever
• 17:03
  Sarah Karakaian: happened
• 17:03
  Sarah Karakaian: at
• 17:04
  Sarah Karakaian: the
• 17:04
  Sarah Karakaian: property.
• 17:05
  Nick Massey: Exactly.
• 17:05
  Nick Massey: Because
• 17:06
  Nick Massey: again,
• 17:06
  Nick Massey: if
• 17:06
  Nick Massey: a
• 17:06
  Nick Massey: tree
• 17:06
  Nick Massey: falls
• 17:07
  Nick Massey: on
• 17:07
  Nick Massey: your
• 17:07
  Nick Massey: house,
• 17:07
  Nick Massey: even
• 17:08
  Nick Massey: if
• 17:08
  Nick Massey: a
• 17:08
  Nick Massey: guest
• 17:08
  Nick Massey: is
• 17:08
  Nick Massey: there,
• 17:09
  Nick Massey: it's
• 17:09
  Nick Massey: not,
• 17:10
  Nick Massey: doesn't
• 17:10
  Nick Massey: fall
• 17:10
  Nick Massey: under
• 17:10
  Nick Massey: any
• 17:11
  Nick Massey: supplemental
• 17:11
  Nick Massey: provider.
• 17:12
  Annette Grant: Mm
• 17:12
  Annette Grant: hmm.
• 17:12
  Nick Massey: That,
• 17:13
  Nick Massey: that
• 17:13
  Nick Massey: always
• 17:13
  Nick Massey: falls
• 17:14
  Nick Massey: under
• 17:14
  Nick Massey: your
• 17:14
  Nick Massey: regular
• 17:14
  Nick Massey: home
• 17:15
  Nick Massey: insurance
• 17:15
  Nick Massey: and
• 17:16
  Nick Massey: whoever
• 17:16
  Nick Massey: that
• 17:16
  Nick Massey: might
• 17:16
  Nick Massey: be,
• 17:17
  Nick Massey: then
• 17:17
  Nick Massey: it's
• 17:18
  Nick Massey: on
• 17:18
  Nick Massey: the
• 17:18
  Nick Massey: basis
• 17:18
  Nick Massey: of
• 17:18
  Nick Massey: what's
• 17:19
  Nick Massey: in
• 17:19
  Nick Massey: that
• 17:19
  Nick Massey: contract.
• 17:20
  Nick Massey: Um,
• 17:21
  Nick Massey: which
• 17:21
  Nick Massey: unfortunately,
• 17:22
  Nick Massey: a
• 17:22
  Nick Massey: vast
• 17:23
  Nick Massey: majority
• 17:23
  Nick Massey: of
• 17:23
  Nick Massey: this
• 17:23
  Nick Massey: industry
• 17:24
  Nick Massey: is
• 17:24
  Nick Massey: still
• 17:24
  Nick Massey: running
• 17:25
  Nick Massey: with
• 17:25
  Nick Massey: a
• 17:25
  Nick Massey: standard
• 17:26
  Nick Massey: homeowner's
• 17:27
  Nick Massey: or
• 17:27
  Nick Massey: landlord
• 17:27
  Nick Massey: style
• 17:27
  Nick Massey: policy,
• 17:28
  Nick Massey: has
• 17:29
  Nick Massey: very
• 17:29
  Nick Massey: explicit
• 17:29
  Nick Massey: business
• 17:30
  Nick Massey: activity
• 17:30
  Nick Massey: exclusions,
• 17:32
  Nick Massey: so
• 17:32
  Nick Massey: that
• 17:32
  Nick Massey: claim
• 17:32
  Nick Massey: can
• 17:32
  Nick Massey: be
• 17:33
  Nick Massey: denied.
• 17:34
  Nick Massey: Um,
• 17:34
  Nick Massey: there's
• 17:34
  Nick Massey: actual
• 17:34
  Nick Massey: case
• 17:35
  Nick Massey: law
• 17:35
  Nick Massey: on
• 17:35
  Nick Massey: it
• 17:35
  Nick Massey: in
• 17:35
  Nick Massey: the
• 17:35
  Nick Massey: state
• 17:36
  Nick Massey: of
• 17:36
  Nick Massey: California
• 17:37
  Nick Massey: from
• 17:37
  Nick Massey: back
• 17:38
  Nick Massey: in
• 17:38
  Nick Massey: 2016.
• 17:39
  Nick Massey: A
• 17:39
  Nick Massey: tree
• 17:39
  Nick Massey: fell
• 17:39
  Nick Massey: on
• 17:40
  Nick Massey: a
• 17:40
  Nick Massey: detached
• 17:40
  Nick Massey: structure
• 17:41
  Nick Massey: that
• 17:41
  Nick Massey: was
• 17:41
  Nick Massey: rented
• 17:42
  Nick Massey: sometimes
• 17:44
  Nick Massey: and
• 17:44
  Nick Massey: they
• 17:44
  Nick Massey: denied
• 17:45
  Nick Massey: the
• 17:45
  Nick Massey: claim.
• 17:45
  Nick Massey: And
• 17:46
  Nick Massey: it
• 17:46
  Nick Massey: was
• 17:46
  Nick Massey: about
• 17:46
  Nick Massey: 100,
• 17:47
  Nick Massey: 000.
• 17:47
  Nick Massey: Emily
• 17:47
  Nick Massey: Richer
• 17:48
  Nick Massey: is,
• 17:49
  Nick Massey: is
• 17:49
  Nick Massey: the
• 17:49
  Nick Massey: gal's
• 17:50
  Nick Massey: name.
• 17:50
  Nick Massey: And
• 17:50
  Nick Massey: the
• 17:50
  Nick Massey: only
• 17:50
  Nick Massey: reason
• 17:50
  Nick Massey: we
• 17:51
  Nick Massey: know
• 17:51
  Nick Massey: about
• 17:51
  Nick Massey: that,
• 17:51
  Nick Massey: and
• 17:52
  Nick Massey: she
• 17:52
  Nick Massey: brought
• 17:52
  Nick Massey: it
• 17:52
  Nick Massey: to
• 17:52
  Nick Massey: us,
• 17:53
  Nick Massey: um,
• 17:53
  Nick Massey: became
• 17:54
  Nick Massey: a
• 17:54
  Nick Massey: client
• 17:54
  Nick Massey: of
• 17:54
  Nick Massey: Propper's.
• 17:55
  Nick Massey: For
• 17:56
  Nick Massey: a
• 17:56
  Nick Massey: little
• 17:56
  Nick Massey: bit
• 17:56
  Nick Massey: while
• 17:56
  Nick Massey: she's
• 17:57
  Nick Massey: on
• 17:57
  Nick Massey: that
• 17:57
  Nick Massey: property,
• 17:58
  Nick Massey: um,
• 17:58
  Nick Massey: but
• 17:58
  Nick Massey: had
• 17:59
  Nick Massey: sent
• 17:59
  Nick Massey: us
• 17:59
  Nick Massey: all
• 17:59
  Nick Massey: the
• 17:59
  Nick Massey: docu
• 18:00
  Nick Massey: everything
• 18:00
  Nick Massey: and
• 18:00
  Nick Massey: said
• 18:01
  Nick Massey: this
• 18:01
  Nick Massey: is
• 18:01
  Nick Massey: what
• 18:01
  Nick Massey: I
• 18:01
  Nick Massey: have
• 18:02
  Nick Massey: going
• 18:02
  Nick Massey: on.
• 18:02
  Nick Massey: And
• 18:03
  Nick Massey: they
• 18:03
  Nick Massey: 100
• 18:03
  Nick Massey: percent
• 18:04
  Nick Massey: denied
• 18:04
  Nick Massey: my
• 18:04
  Nick Massey: claim
• 18:04
  Nick Massey: because
• 18:05
  Nick Massey: of
• 18:05
  Nick Massey: this
• 18:05
  Nick Massey: business
• 18:05
  Nick Massey: activity
• 18:06
  Nick Massey: exclusion
• 18:06
  Nick Massey: of
• 18:06
  Nick Massey: which
• 18:07
  Nick Massey: she
• 18:07
  Nick Massey: fought
• 18:07
  Nick Massey: and
• 18:07
  Nick Massey: fought
• 18:07
  Nick Massey: and
• 18:08
  Nick Massey: fought
• 18:08
  Nick Massey: in
• 18:08
  Nick Massey: court,
• 18:09
  Nick Massey: uh,
• 18:09
  Nick Massey: which
• 18:09
  Nick Massey: costs
• 18:09
  Nick Massey: even
• 18:10
  Nick Massey: more
• 18:10
  Nick Massey: money.
• 18:11
  Nick Massey: Right?
• 18:11
  Nick Massey: So,
• 18:12
  Nick Massey: uh,
• 18:12
  Nick Massey: those
• 18:13
  Nick Massey: are,
• 18:13
  Nick Massey: those
• 18:13
  Nick Massey: are
• 18:13
  Nick Massey: things
• 18:14
  Nick Massey: that
• 18:14
  Nick Massey: I
• 18:14
  Nick Massey: think
• 18:14
  Nick Massey: a
• 18:14
  Nick Massey: lot
• 18:14
  Nick Massey: of
• 18:14
  Nick Massey: folks
• 18:15
  Nick Massey: are,
• 18:16
  Nick Massey: I
• 18:16
  Nick Massey: don't
• 18:16
  Nick Massey: know
• 18:16
  Nick Massey: if
• 18:16
  Nick Massey: they
• 18:17
  Nick Massey: all
• 18:17
  Nick Massey: go
• 18:17
  Nick Massey: into
• 18:18
  Nick Massey: it
• 18:18
  Nick Massey: kind
• 18:18
  Nick Massey: of
• 18:18
  Nick Massey: flying
• 18:18
  Nick Massey: under
• 18:18
  Nick Massey: the
• 18:18
  Nick Massey: radar,
• 18:19
  Nick Massey: or
• 18:20
  Nick Massey: if
• 18:20
  Nick Massey: it's
• 18:20
  Nick Massey: a,
• 18:21
  Nick Massey: if
• 18:21
  Nick Massey: it's
• 18:21
  Nick Massey: a
• 18:21
  Nick Massey: lack
• 18:21
  Nick Massey: of,
• 18:22
  Nick Massey: of
• 18:23
  Nick Massey: insurance
• 18:23
  Nick Massey: policy
• 18:24
  Nick Massey: knowledge
• 18:24
  Nick Massey: on
• 18:25
  Nick Massey: The
• 18:25
  Nick Massey: retail
• 18:25
  Nick Massey: insurance
• 18:26
  Nick Massey: agent,
• 18:26
  Nick Massey: you
• 18:26
  Nick Massey: know,
• 18:27
  Nick Massey: the
• 18:27
  Nick Massey: Main
• 18:27
  Nick Massey: Street
• 18:27
  Nick Massey: agent
• 18:28
  Nick Massey: that
• 18:28
  Nick Massey: you
• 18:28
  Nick Massey: called
• 18:28
  Nick Massey: up
• 18:29
  Nick Massey: in
• 18:29
  Nick Massey: your
• 18:29
  Nick Massey: town
• 18:29
  Nick Massey: and
• 18:30
  Nick Massey: they
• 18:30
  Nick Massey: just
• 18:30
  Nick Massey: heard
• 18:31
  Nick Massey: the
• 18:31
  Nick Massey: word
• 18:31
  Nick Massey: rental
• 18:31
  Nick Massey: and
• 18:31
  Nick Massey: they
• 18:32
  Nick Massey: wrote
• 18:32
  Nick Massey: a
• 18:32
  Nick Massey: rental
• 18:32
  Nick Massey: policy,
• 18:33
  Nick Massey: but
• 18:33
  Nick Massey: that's
• 18:33
  Nick Massey: on
• 18:33
  Nick Massey: the
• 18:33
  Nick Massey: basis
• 18:34
  Nick Massey: of
• 18:34
  Nick Massey: long
• 18:34
  Nick Massey: term
• 18:34
  Nick Massey: rentals,
• 18:35
  Nick Massey: which
• 18:35
  Nick Massey: doesn't
• 18:35
  Nick Massey: fall
• 18:36
  Nick Massey: under
• 18:36
  Nick Massey: business
• 18:36
  Nick Massey: and
• 18:36
  Nick Massey: insurance
• 18:37
  Nick Massey: and,
• 18:38
  Nick Massey: uh,
• 18:38
  Nick Massey: and
• 18:38
  Nick Massey: then
• 18:39
  Nick Massey: you
• 18:39
  Nick Massey: don't
• 18:39
  Nick Massey: really
• 18:39
  Nick Massey: find
• 18:40
  Nick Massey: out
• 18:40
  Nick Massey: until
• 18:41
  Nick Massey: you
• 18:41
  Nick Massey: have
• 18:41
  Nick Massey: to
• 18:41
  Nick Massey: file
• 18:41
  Nick Massey: a
• 18:41
  Nick Massey: claim.
• 18:42
  Nick Massey: So,
• 18:43
  Nick Massey: we
• 18:43
  Nick Massey: like
• 18:43
  Nick Massey: to
• 18:43
  Nick Massey: go
• 18:44
  Nick Massey: through
• 18:44
  Nick Massey: all
• 18:44
  Nick Massey: of
• 18:44
  Nick Massey: that
• 18:44
  Nick Massey: on
• 18:44
  Nick Massey: the
• 18:44
  Nick Massey: front
• 18:45
  Nick Massey: end
• 18:45
  Nick Massey: and
• 18:45
  Nick Massey: be
• 18:45
  Nick Massey: like,
• 18:45
  Nick Massey: send
• 18:45
  Nick Massey: me
• 18:45
  Nick Massey: your
• 18:46
  Nick Massey: current
• 18:46
  Nick Massey: policy.
• 18:47
  Nick Massey: And
• 18:47
  Nick Massey: I
• 18:47
  Nick Massey: will
• 18:47
  Nick Massey: point
• 18:48
  Nick Massey: out
• 18:48
  Nick Massey: on
• 18:48
  Nick Massey: what
• 18:48
  Nick Massey: page
• 18:49
  Nick Massey: and
• 18:49
  Nick Massey: where
• 18:49
  Nick Massey: it
• 18:49
  Nick Massey: says
• 18:49
  Nick Massey: this
• 18:49
  Nick Massey: so
• 18:50
  Nick Massey: you
• 18:50
  Nick Massey: can
• 18:50
  Nick Massey: actually
• 18:50
  Nick Massey: see
• 18:51
  Nick Massey: in
• 18:51
  Nick Massey: the
• 18:51
  Nick Massey: policy
• 18:51
  Nick Massey: language
• 18:52
  Nick Massey: where
• 18:52
  Nick Massey: these
• 18:53
  Nick Massey: limitations
• 18:53
  Nick Massey: fall
• 18:54
  Nick Massey: and
• 18:54
  Nick Massey: what
• 18:55
  Nick Massey: that
• 18:55
  Nick Massey: could
• 18:55
  Nick Massey: mean
• 18:55
  Nick Massey: to
• 18:55
  Nick Massey: you
• 18:55
  Nick Massey: in
• 18:56
  Nick Massey: the
• 18:56
  Nick Massey: event
• 18:56
  Nick Massey: of
• 18:56
  Nick Massey: a
• 18:56
  Nick Massey: claim.
• 18:56
  Annette Grant: What
• 18:57
  Annette Grant: are
• 18:57
  Annette Grant: the
• 18:57
  Annette Grant: top
• 18:57
  Annette Grant: three?
• 18:57
  Annette Grant: So
• 18:58
  Annette Grant: you
• 18:58
  Annette Grant: said
• 18:58
  Annette Grant: loss
• 18:58
  Annette Grant: of
• 18:58
  Annette Grant: income
• 18:59
  Annette Grant: is,
• 19:00
  Annette Grant: is
• 19:00
  Annette Grant: one
• 19:00
  Annette Grant: that
• 19:00
  Annette Grant: I'm
• 19:01
  Annette Grant: sure.
• 19:02
  Annette Grant: People
• 19:02
  Annette Grant: before
• 19:02
  Annette Grant: they
• 19:02
  Annette Grant: get
• 19:02
  Annette Grant: into
• 19:02
  Annette Grant: short
• 19:03
  Annette Grant: term
• 19:03
  Annette Grant: renting,
• 19:03
  Annette Grant: they're
• 19:03
  Annette Grant: not
• 19:03
  Annette Grant: anticipating
• 19:04
  Annette Grant: that.
• 19:05
  Annette Grant: What
• 19:05
  Annette Grant: are
• 19:05
  Annette Grant: two
• 19:06
  Annette Grant: others
• 19:06
  Annette Grant: that
• 19:06
  Annette Grant: you
• 19:06
  Annette Grant: see
• 19:06
  Annette Grant: people
• 19:07
  Annette Grant: just
• 19:07
  Annette Grant: overlooking
• 19:08
  Annette Grant: time
• 19:08
  Annette Grant: and
• 19:08
  Annette Grant: time
• 19:08
  Annette Grant: again,
• 19:08
  Annette Grant: just
• 19:09
  Annette Grant: because,
• 19:09
  Annette Grant: sheer,
• 19:09
  Annette Grant: like,
• 19:10
  Annette Grant: not,
• 19:10
  Annette Grant: not
• 19:11
  Annette Grant: having
• 19:11
  Annette Grant: the
• 19:11
  Annette Grant: knowledge?
• 19:12
  Annette Grant: So
• 19:12
  Annette Grant: it's
• 19:12
  Annette Grant: loss
• 19:12
  Annette Grant: of
• 19:13
  Annette Grant: income.
• 19:13
  Annette Grant: What,
• 19:13
  Annette Grant: what,
• 19:13
  Annette Grant: I
• 19:14
  Annette Grant: want
• 19:14
  Annette Grant: to
• 19:14
  Annette Grant: say,
• 19:14
  Annette Grant: like,
• 19:15
  Annette Grant: bedbugs
• 19:16
  Annette Grant: is
• 19:16
  Annette Grant: something
• 19:16
  Annette Grant: that
• 19:16
  Annette Grant: I
• 19:16
  Annette Grant: think
• 19:16
  Annette Grant: a
• 19:17
  Annette Grant: lot
• 19:17
  Annette Grant: of
• 19:17
  Annette Grant: people,
• 19:17
  Annette Grant: renters,
• 19:17
  Annette Grant: but
• 19:17
  Annette Grant: what,
• 19:18
  Annette Grant: what
• 19:18
  Annette Grant: do
• 19:18
  Annette Grant: you
• 19:18
  Annette Grant: see
• 19:19
  Annette Grant: as
• 19:19
  Annette Grant: like
• 19:19
  Annette Grant: two
• 19:19
  Annette Grant: other
• 19:19
  Annette Grant: big
• 19:20
  Annette Grant: ones
• 19:20
  Annette Grant: that
• 19:20
  Annette Grant: people
• 19:20
  Annette Grant: just
• 19:20
  Annette Grant: really
• 19:21
  Annette Grant: kind
• 19:21
  Annette Grant: of
• 19:21
  Annette Grant: have
• 19:21
  Annette Grant: the
• 19:21
  Annette Grant: blinders
• 19:22
  Annette Grant: on
• 19:22
  Annette Grant: about?
• 19:23
  Nick Massey: Yeah,
• 19:23
  Nick Massey: so
• 19:24
  Nick Massey: the
• 19:24
  Nick Massey: three
• 19:24
  Nick Massey: things
• 19:25
  Nick Massey: that,
• 19:25
  Nick Massey: When
• 19:26
  Nick Massey: somebody
• 19:26
  Nick Massey: calls
• 19:26
  Nick Massey: in
• 19:26
  Nick Massey: to
• 19:27
  Nick Massey: us
• 19:27
  Nick Massey: and
• 19:27
  Nick Massey: we're
• 19:27
  Nick Massey: first
• 19:28
  Nick Massey: talking
• 19:28
  Nick Massey: to
• 19:28
  Nick Massey: them
• 19:28
  Nick Massey: and
• 19:28
  Nick Massey: we
• 19:28
  Nick Massey: ask
• 19:29
  Nick Massey: them,
• 19:29
  Nick Massey: what's
• 19:29
  Nick Massey: your
• 19:29
  Nick Massey: biggest
• 19:29
  Nick Massey: concern?
• 19:30
  Nick Massey: The
• 19:30
  Nick Massey: top
• 19:30
  Nick Massey: three
• 19:31
  Nick Massey: that
• 19:31
  Nick Massey: we
• 19:31
  Nick Massey: get
• 19:31
  Nick Massey: are
• 19:31
  Nick Massey: gas
• 19:32
  Nick Massey: caused
• 19:32
  Nick Massey: damage.
• 19:33
  Nick Massey: Liability,
• 19:34
  Nick Massey: I'm
• 19:34
  Nick Massey: getting
• 19:34
  Nick Massey: sued,
• 19:35
  Nick Massey: and
• 19:35
  Nick Massey: my
• 19:35
  Nick Massey: loss
• 19:36
  Nick Massey: of
• 19:36
  Nick Massey: revenue,
• 19:36
  Nick Massey: in
• 19:36
  Nick Massey: the
• 19:37
  Nick Massey: event
• 19:37
  Nick Massey: I
• 19:37
  Nick Massey: can't
• 19:37
  Nick Massey: carry
• 19:38
  Nick Massey: the
• 19:38
  Nick Massey: cost
• 19:38
  Nick Massey: of
• 19:38
  Nick Massey: my
• 19:38
  Nick Massey: property
• 19:39
  Nick Massey: due
• 19:39
  Nick Massey: to
• 19:39
  Nick Massey: a
• 19:39
  Nick Massey: claim.
• 19:40
  Nick Massey: Um,
• 19:41
  Nick Massey: but,
• 19:42
  Nick Massey: those
• 19:42
  Nick Massey: are
• 19:43
  Nick Massey: not
• 19:44
  Nick Massey: the
• 19:44
  Nick Massey: top
• 19:44
  Nick Massey: claims
• 19:45
  Nick Massey: or
• 19:45
  Nick Massey: things
• 19:45
  Nick Massey: that
• 19:45
  Nick Massey: are
• 19:45
  Nick Massey: going
• 19:45
  Nick Massey: to
• 19:45
  Nick Massey: happen
• 19:46
  Nick Massey: to
• 19:46
  Nick Massey: your
• 19:46
  Nick Massey: property.
• 19:47
  Nick Massey: So,
• 19:47
  Nick Massey: the
• 19:48
  Nick Massey: number
• 19:48
  Nick Massey: one
• 19:48
  Nick Massey: claim
• 19:48
  Nick Massey: in
• 19:48
  Nick Massey: insurance,
• 19:49
  Nick Massey: through
• 19:49
  Nick Massey: and
• 19:49
  Nick Massey: through,
• 19:50
  Nick Massey: whether
• 19:51
  Nick Massey: you're
• 19:51
  Nick Massey: short
• 19:51
  Nick Massey: term
• 19:51
  Nick Massey: renting,
• 19:52
  Nick Massey: you
• 19:52
  Nick Massey: run
• 19:52
  Nick Massey: a,
• 19:52
  Nick Massey: uh,
• 19:53
  Nick Massey: you
• 19:53
  Nick Massey: own
• 19:53
  Nick Massey: commercial
• 19:54
  Nick Massey: real
• 19:54
  Nick Massey: estate,
• 19:55
  Nick Massey: uh,
• 19:55
  Nick Massey: or
• 19:55
  Nick Massey: your
• 19:55
  Nick Massey: primary
• 19:56
  Nick Massey: home
• 19:56
  Nick Massey: is
• 19:56
  Nick Massey: going
• 19:56
  Nick Massey: to
• 19:56
  Nick Massey: be
• 19:56
  Nick Massey: water
• 19:57
  Nick Massey: damage.
• 19:58
  Nick Massey: Is
• 19:58
  Nick Massey: the
• 19:58
  Nick Massey: number
• 19:58
  Nick Massey: one
• 19:58
  Nick Massey: claim.
• 19:59
  Nick Massey: Number
• 19:59
  Nick Massey: two
• 20:00
  Nick Massey: is
• 20:00
  Nick Massey: going
• 20:00
  Nick Massey: to
• 20:00
  Nick Massey: be
• 20:00
  Nick Massey: wind
• 20:01
  Nick Massey: related
• 20:01
  Nick Massey: losses.
• 20:01
  Nick Massey: So
• 20:02
  Nick Massey: that
• 20:02
  Nick Massey: could
• 20:02
  Nick Massey: be
• 20:02
  Nick Massey: hail,
• 20:02
  Nick Massey: it
• 20:02
  Nick Massey: could
• 20:02
  Nick Massey: be
• 20:03
  Nick Massey: hurricane,
• 20:03
  Nick Massey: could
• 20:03
  Nick Massey: be
• 20:03
  Nick Massey: trees
• 20:04
  Nick Massey: falling.
• 20:05
  Nick Massey: Uh,
• 20:06
  Nick Massey: with
• 20:06
  Nick Massey: us
• 20:07
  Nick Massey: specifically,
• 20:08
  Nick Massey: number
• 20:09
  Nick Massey: three
• 20:09
  Nick Massey: then
• 20:09
  Nick Massey: becomes
• 20:10
  Nick Massey: the
• 20:10
  Nick Massey: guest
• 20:10
  Nick Massey: cause
• 20:10
  Nick Massey: damage.
• 20:11
  Nick Massey: Okay,
• 20:12
  Nick Massey: uh,
• 20:13
  Nick Massey: the
• 20:13
  Nick Massey: reason
• 20:13
  Nick Massey: that's
• 20:13
  Nick Massey: number
• 20:14
  Nick Massey: three
• 20:14
  Nick Massey: for
• 20:14
  Nick Massey: us,
• 20:14
  Nick Massey: because
• 20:14
  Nick Massey: we
• 20:14
  Nick Massey: don't
• 20:15
  Nick Massey: exclude
• 20:15
  Nick Massey: it.
• 20:15
  Nick Massey: So
• 20:16
  Nick Massey: if
• 20:16
  Nick Massey: you
• 20:16
  Nick Massey: were
• 20:16
  Nick Massey: to
• 20:16
  Nick Massey: look
• 20:16
  Nick Massey: at
• 20:17
  Nick Massey: the
• 20:17
  Nick Massey: standard
• 20:18
  Nick Massey: average
• 20:19
  Nick Massey: losses,
• 20:19
  Nick Massey: this
• 20:19
  Nick Massey: data
• 20:19
  Nick Massey: comes
• 20:20
  Nick Massey: out
• 20:20
  Nick Massey: every
• 20:20
  Nick Massey: year
• 20:21
  Nick Massey: through
• 20:21
  Nick Massey: the
• 20:21
  Nick Massey: Insurance
• 20:21
  Nick Massey: Information
• 20:22
  Nick Massey: Institute.
• 20:23
  Nick Massey: You're
• 20:23
  Nick Massey: not
• 20:23
  Nick Massey: going
• 20:23
  Nick Massey: to
• 20:23
  Nick Massey: see
• 20:23
  Nick Massey: guest
• 20:24
  Nick Massey: cause
• 20:24
  Nick Massey: damage
• 20:25
  Nick Massey: because
• 20:25
  Nick Massey: nobody
• 20:25
  Nick Massey: covers
• 20:26
  Nick Massey: it.
• 20:26
  Nick Massey: Um,
• 20:27
  Nick Massey: but
• 20:27
  Nick Massey: we
• 20:27
  Nick Massey: do.
• 20:27
  Nick Massey: So
• 20:28
  Nick Massey: it's
• 20:28
  Nick Massey: on
• 20:28
  Nick Massey: our,
• 20:29
  Nick Massey: what's
• 20:29
  Nick Massey: called
• 20:29
  Nick Massey: a
• 20:29
  Nick Massey: border
• 20:29
  Nick Massey: row
• 20:30
  Nick Massey: for
• 20:30
  Nick Massey: loss
• 20:30
  Nick Massey: stuff.
• 20:31
  Nick Massey: And
• 20:31
  Nick Massey: we
• 20:31
  Nick Massey: can
• 20:31
  Nick Massey: see
• 20:32
  Nick Massey: how
• 20:32
  Nick Massey: many
• 20:32
  Nick Massey: claims
• 20:32
  Nick Massey: we
• 20:32
  Nick Massey: filed,
• 20:33
  Nick Massey: how
• 20:33
  Nick Massey: much
• 20:33
  Nick Massey: money
• 20:33
  Nick Massey: we've
• 20:33
  Nick Massey: paid,
• 20:34
  Nick Massey: you
• 20:34
  Nick Massey: know,
• 20:34
  Nick Massey: how
• 20:34
  Nick Massey: much
• 20:34
  Nick Massey: premium
• 20:35
  Nick Massey: was
• 20:35
  Nick Massey: collected
• 20:35
  Nick Massey: on
• 20:35
  Nick Massey: those
• 20:36
  Nick Massey: policies,
• 20:36
  Nick Massey: where
• 20:36
  Nick Massey: that
• 20:37
  Nick Massey: was
• 20:37
  Nick Massey: paid
• 20:37
  Nick Massey: out
• 20:38
  Nick Massey: and
• 20:38
  Nick Massey: things
• 20:38
  Nick Massey: like
• 20:38
  Nick Massey: that.
• 20:39
  Nick Massey: Um,
• 20:40
  Nick Massey: now
• 20:41
  Nick Massey: a
• 20:41
  Nick Massey: lot
• 20:42
  Nick Massey: of
• 20:42
  Nick Massey: people
• 20:42
  Nick Massey: look
• 20:42
  Nick Massey: at
• 20:42
  Nick Massey: wind
• 20:43
  Nick Massey: and
• 20:43
  Nick Massey: they
• 20:43
  Nick Massey: go,
• 20:43
  Nick Massey: well,
• 20:44
  Nick Massey: it's
• 20:44
  Nick Massey: fine
• 20:44
  Nick Massey: because
• 20:44
  Nick Massey: my
• 20:45
  Nick Massey: regular
• 20:45
  Nick Massey: home
• 20:45
  Nick Massey: policy
• 20:46
  Nick Massey: covers
• 20:46
  Nick Massey: wind.
• 20:46
  Nick Massey: And,
• 20:47
  Nick Massey: and
• 20:47
  Nick Massey: yes,
• 20:47
  Nick Massey: 100%,
• 20:48
  Nick Massey: they,
• 20:48
  Nick Massey: they
• 20:49
  Nick Massey: do.
• 20:49
  Nick Massey: But
• 20:50
  Nick Massey: the
• 20:50
  Nick Massey: problem
• 20:50
  Nick Massey: is,
• 20:50
  Nick Massey: is
• 20:50
  Nick Massey: does
• 20:51
  Nick Massey: that
• 20:51
  Nick Massey: policy
• 20:51
  Nick Massey: have
• 20:51
  Nick Massey: that
• 20:51
  Nick Massey: business
• 20:52
  Nick Massey: activity
• 20:52
  Nick Massey: exclusion
• 20:53
  Nick Massey: or
• 20:53
  Nick Massey: not?
• 20:53
  Annette Grant: Uh,
• 20:54
  Nick Massey: uh,
• 20:54
  Nick Massey: when
• 20:54
  Nick Massey: an
• 20:54
  Nick Massey: adjuster
• 20:55
  Nick Massey: hears
• 20:55
  Nick Massey: that.
• 20:56
  Nick Massey: It's
• 20:56
  Nick Massey: like,
• 20:56
  Nick Massey: oh
• 20:56
  Nick Massey: my
• 20:57
  Nick Massey: gosh,
• 20:57
  Nick Massey: I
• 20:57
  Nick Massey: had
• 20:57
  Nick Massey: guests
• 20:57
  Nick Massey: here,
• 20:58
  Nick Massey: and
• 20:58
  Nick Massey: then
• 20:58
  Nick Massey: the
• 20:58
  Nick Massey: tree
• 20:58
  Nick Massey: fell
• 20:58
  Nick Massey: on
• 20:58
  Nick Massey: the
• 20:59
  Nick Massey: house,
• 20:59
  Nick Massey: and,
• 20:59
  Nick Massey: you
• 20:59
  Nick Massey: know,
• 21:00
  Nick Massey: I'm
• 21:00
  Nick Massey: going
• 21:00
  Nick Massey: through
• 21:00
  Nick Massey: this
• 21:00
  Nick Massey: whole
• 21:01
  Nick Massey: thing,
• 21:01
  Nick Massey: and
• 21:01
  Nick Massey: it's
• 21:01
  Nick Massey: just
• 21:02
  Nick Massey: a
• 21:02
  Nick Massey: scary
• 21:03
  Nick Massey: situation,
• 21:03
  Nick Massey: you
• 21:04
  Nick Massey: know,
• 21:04
  Nick Massey: wait
• 21:05
  Nick Massey: a
• 21:05
  Nick Massey: sec,
• 21:05
  Nick Massey: what
• 21:05
  Nick Massey: do
• 21:05
  Nick Massey: you
• 21:05
  Nick Massey: mean
• 21:06
  Nick Massey: you're
• 21:06
  Nick Massey: a
• 21:06
  Nick Massey: short
• 21:06
  Nick Massey: term
• 21:06
  Nick Massey: rental?
• 21:07
  Nick Massey: That's
• 21:07
  Nick Massey: not
• 21:07
  Nick Massey: the
• 21:07
  Nick Massey: policy
• 21:08
  Nick Massey: that
• 21:08
  Nick Massey: you
• 21:08
  Nick Massey: have,
• 21:09
  Nick Massey: and
• 21:09
  Nick Massey: then
• 21:09
  Nick Massey: they
• 21:09
  Nick Massey: report
• 21:10
  Nick Massey: that
• 21:10
  Nick Massey: back
• 21:10
  Nick Massey: to
• 21:10
  Nick Massey: the
• 21:11
  Nick Massey: underwriter
• 21:12
  Nick Massey: behind
• 21:12
  Nick Massey: the
• 21:12
  Nick Massey: policy,
• 21:12
  Nick Massey: and
• 21:12
  Nick Massey: the
• 21:13
  Nick Massey: underwriter
• 21:13
  Nick Massey: can
• 21:13
  Nick Massey: deny
• 21:13
  Nick Massey: the
• 21:13
  Nick Massey: claim
• 21:14
  Nick Massey: on
• 21:14
  Nick Massey: the
• 21:14
  Nick Massey: basis
• 21:14
  Nick Massey: of
• 21:15
  Nick Massey: said
• 21:15
  Nick Massey: business
• 21:16
  Nick Massey: activity
• 21:16
  Nick Massey: exclusion.
• 21:16
  Nick Massey: So,
• 21:17
  Nick Massey: um,
• 21:18
  Nick Massey: that's,
• 21:18
  Nick Massey: a
• 21:18
  Nick Massey: lot
• 21:19
  Nick Massey: of
• 21:19
  Nick Massey: the
• 21:19
  Nick Massey: phone
• 21:19
  Nick Massey: calls
• 21:19
  Nick Massey: we
• 21:19
  Nick Massey: do
• 21:20
  Nick Massey: get
• 21:20
  Nick Massey: is
• 21:20
  Nick Massey: folks
• 21:20
  Nick Massey: going,
• 21:21
  Nick Massey: I
• 21:21
  Nick Massey: had
• 21:21
  Nick Massey: a
• 21:21
  Nick Massey: claim.
• 21:22
  Nick Massey: It
• 21:22
  Nick Massey: wasn't
• 21:22
  Nick Massey: covered.
• 21:23
  Nick Massey: Fortunately,
• 21:23
  Nick Massey: it
• 21:23
  Nick Massey: wasn't
• 21:24
  Nick Massey: very
• 21:24
  Nick Massey: big,
• 21:24
  Nick Massey: but
• 21:25
  Nick Massey: now
• 21:25
  Nick Massey: I'm
• 21:25
  Nick Massey: on
• 21:25
  Nick Massey: the
• 21:26
  Nick Massey: hunt
• 21:26
  Nick Massey: to
• 21:26
  Nick Massey: make
• 21:26
  Nick Massey: sure
• 21:26
  Nick Massey: I
• 21:26
  Nick Massey: have
• 21:27
  Nick Massey: the
• 21:27
  Nick Massey: right
• 21:27
  Nick Massey: insurance
• 21:27
  Nick Massey: policy
• 21:28
  Nick Massey: in
• 21:28
  Nick Massey: place.
• 21:29
  Nick Massey: Bed
• 21:29
  Nick Massey: bugs
• 21:29
  Nick Massey: is
• 21:29
  Nick Massey: in
• 21:29
  Nick Massey: the
• 21:30
  Nick Massey: top
• 21:30
  Nick Massey: five.
• 21:31
  Nick Massey: Uh,
• 21:31
  Nick Massey: bed
• 21:31
  Nick Massey: bug
• 21:31
  Nick Massey: remediation.
• 21:33
  Nick Massey: That's
• 21:33
  Nick Massey: why
• 21:33
  Nick Massey: we
• 21:33
  Nick Massey: brought
• 21:33
  Nick Massey: that
• 21:34
  Nick Massey: out
• 21:34
  Nick Massey: in
• 21:34
  Nick Massey: 2018.
• 21:36
  Nick Massey: We
• 21:36
  Nick Massey: started
• 21:36
  Nick Massey: to
• 21:36
  Nick Massey: see
• 21:37
  Nick Massey: an
• 21:37
  Nick Massey: increase
• 21:37
  Nick Massey: in
• 21:38
  Nick Massey: bed
• 21:38
  Nick Massey: bug
• 21:38
  Nick Massey: infestation.
• 21:39
  Nick Massey: Our
• 21:39
  Nick Massey: clients
• 21:39
  Nick Massey: were
• 21:40
  Nick Massey: asking
• 21:40
  Nick Massey: about
• 21:40
  Nick Massey: it
• 21:40
  Nick Massey: a
• 21:40
  Nick Massey: lot
• 21:41
  Nick Massey: because
• 21:41
  Nick Massey: it
• 21:41
  Nick Massey: was
• 21:41
  Nick Massey: in
• 21:41
  Nick Massey: the
• 21:41
  Nick Massey: social
• 21:41
  Nick Massey: media,
• 21:42
  Nick Massey: it
• 21:42
  Nick Massey: was
• 21:42
  Nick Massey: hitting
• 21:42
  Nick Massey: the
• 21:43
  Nick Massey: news,
• 21:44
  Nick Massey: um,
• 21:44
  Nick Massey: and
• 21:45
  Nick Massey: we're
• 21:45
  Nick Massey: able
• 21:45
  Nick Massey: to
• 21:45
  Nick Massey: move
• 21:46
  Nick Massey: very
• 21:46
  Nick Massey: quickly.
• 21:46
  Nick Massey: So
• 21:46
  Nick Massey: we,
• 21:47
  Nick Massey: we
• 21:47
  Nick Massey: jump
• 21:47
  Nick Massey: on
• 21:47
  Nick Massey: it
• 21:47
  Nick Massey: and
• 21:47
  Nick Massey: go,
• 21:48
  Nick Massey: we're
• 21:48
  Nick Massey: going
• 21:48
  Nick Massey: to
• 21:48
  Nick Massey: do
• 21:48
  Nick Massey: bed
• 21:48
  Nick Massey: bugs.
• 21:49
  Nick Massey: We're
• 21:49
  Nick Massey: going
• 21:49
  Nick Massey: to
• 21:49
  Nick Massey: charge
• 21:50
  Nick Massey: a
• 21:50
  Nick Massey: very
• 21:50
  Nick Massey: minimal
• 21:51
  Nick Massey: amount
• 21:51
  Nick Massey: for
• 21:51
  Nick Massey: that
• 21:51
  Nick Massey: coverage
• 21:52
  Nick Massey: and
• 21:53
  Nick Massey: give
• 21:53
  Nick Massey: you
• 21:53
  Nick Massey: 20,
• 21:54
  Nick Massey: 000
• 21:54
  Nick Massey: in
• 21:54
  Nick Massey: protection
• 21:55
  Nick Massey: for
• 21:55
  Nick Massey: the
• 21:55
  Nick Massey: remediation
• 21:56
  Nick Massey: and
• 21:56
  Nick Massey: seven
• 21:57
  Nick Massey: days
• 21:57
  Nick Massey: of
• 21:57
  Nick Massey: lost
• 21:57
  Nick Massey: business
• 21:58
  Nick Massey: revenue
• 21:58
  Nick Massey: on
• 21:58
  Nick Massey: that.
• 21:59
  Nick Massey: Uh,
• 21:59
  Nick Massey: and
• 22:00
  Nick Massey: then
• 22:00
  Nick Massey: in
• 22:00
  Nick Massey: 2020,
• 22:01
  Nick Massey: it
• 22:01
  Nick Massey: was
• 22:01
  Nick Massey: squatters.
• 22:02
  Nick Massey: We
• 22:02
  Nick Massey: have
• 22:02
  Nick Massey: longer
• 22:02
  Nick Massey: term
• 22:02
  Nick Massey: stays
• 22:03
  Nick Massey: due
• 22:03
  Nick Massey: to
• 22:03
  Nick Massey: the
• 22:03
  Nick Massey: COVID
• 22:04
  Nick Massey: pandemic
• 22:05
  Nick Massey: and
• 22:05
  Nick Massey: people
• 22:05
  Nick Massey: are
• 22:05
  Nick Massey: staying
• 22:06
  Nick Massey: 30,
• 22:07
  Nick Massey: 45,
• 22:07
  Nick Massey: 60
• 22:07
  Nick Massey: days
• 22:07
  Nick Massey: at
• 22:08
  Nick Massey: these
• 22:08
  Nick Massey: properties
• 22:09
  Nick Massey: to
• 22:09
  Nick Massey: get
• 22:09
  Nick Massey: out
• 22:09
  Nick Massey: of
• 22:09
  Nick Massey: the
• 22:09
  Nick Massey: city
• 22:10
  Nick Massey: for,
• 22:10
  Nick Massey: for
• 22:10
  Nick Massey: a
• 22:10
  Nick Massey: time
• 22:11
  Nick Massey: being.
• 22:11
  Nick Massey: And
• 22:11
  Nick Massey: now
• 22:11
  Nick Massey: people
• 22:11
  Nick Massey: are
• 22:12
  Nick Massey: worried
• 22:12
  Nick Massey: about
• 22:12
  Nick Massey: squatters.
• 22:13
  Nick Massey: So
• 22:13
  Nick Massey: May
• 22:14
  Nick Massey: of
• 22:14
  Nick Massey: 2020,
• 22:15
  Nick Massey: our
• 22:15
  Nick Massey: squatters
• 22:15
  Nick Massey: protection
• 22:16
  Nick Massey: comes
• 22:16
  Nick Massey: out,
• 22:17
  Nick Massey: uh,
• 22:17
  Nick Massey: which
• 22:17
  Nick Massey: are
• 22:17
  Nick Massey: just
• 22:18
  Nick Massey: things
• 22:18
  Nick Massey: that
• 22:18
  Nick Massey: we're
• 22:18
  Nick Massey: on
• 22:19
  Nick Massey: the
• 22:19
  Nick Massey: forefront
• 22:19
  Nick Massey: of
• 22:19
  Nick Massey: hearing
• 22:20
  Nick Massey: these
• 22:20
  Nick Massey: problems
• 22:21
  Nick Massey: or
• 22:21
  Nick Massey: hearing
• 22:21
  Nick Massey: these
• 22:22
  Nick Massey: concerns
• 22:22
  Nick Massey: firsthand.
• 22:23
  Nick Massey: And
• 22:24
  Nick Massey: as
• 22:24
  Nick Massey: soon
• 22:24
  Nick Massey: as
• 22:24
  Nick Massey: we
• 22:24
  Nick Massey: see
• 22:25
  Nick Massey: viability
• 22:25
  Nick Massey: in
• 22:25
  Nick Massey: the
• 22:25
  Nick Massey: need
• 22:26
  Nick Massey: for
• 22:26
  Nick Massey: that
• 22:26
  Nick Massey: protection,
• 22:26
  Nick Massey: we're
• 22:26
  Nick Massey: able
• 22:27
  Nick Massey: to
• 22:27
  Nick Massey: take
• 22:27
  Nick Massey: it
• 22:27
  Nick Massey: to
• 22:27
  Nick Massey: our
• 22:27
  Nick Massey: carrier,
• 22:28
  Nick Massey: come
• 22:28
  Nick Massey: with
• 22:28
  Nick Massey: a
• 22:29
  Nick Massey: tentative
• 22:29
  Nick Massey: rate.
• 22:30
  Nick Massey: on
• 22:30
  Nick Massey: what
• 22:30
  Nick Massey: we
• 22:30
  Nick Massey: think
• 22:31
  Nick Massey: to
• 22:31
  Nick Massey: charge
• 22:31
  Nick Massey: for
• 22:31
  Nick Massey: that,
• 22:32
  Nick Massey: what
• 22:32
  Nick Massey: we
• 22:32
  Nick Massey: think
• 22:33
  Nick Massey: our
• 22:33
  Nick Massey: basis
• 22:33
  Nick Massey: of
• 22:34
  Nick Massey: how
• 22:34
  Nick Massey: many
• 22:34
  Nick Massey: claims
• 22:34
  Nick Massey: are
• 22:34
  Nick Massey: going
• 22:34
  Nick Massey: to
• 22:34
  Nick Massey: pay,
• 22:35
  Nick Massey: potentially
• 22:36
  Nick Massey: are
• 22:36
  Nick Massey: going
• 22:36
  Nick Massey: to
• 22:36
  Nick Massey: be,
• 22:37
  Nick Massey: and
• 22:37
  Nick Massey: then
• 22:37
  Nick Massey: we
• 22:37
  Nick Massey: roll
• 22:37
  Nick Massey: that
• 22:37
  Nick Massey: coverage
• 22:38
  Nick Massey: out
• 22:38
  Nick Massey: within
• 22:38
  Nick Massey: months
• 22:39
  Nick Massey: of,
• 22:40
  Nick Massey: of
• 22:40
  Nick Massey: engaging
• 22:40
  Nick Massey: with
• 22:40
  Nick Massey: the
• 22:41
  Nick Massey: carrier
• 22:41
  Nick Massey: on
• 22:41
  Nick Massey: it.
• 22:41
  Nick Massey: So,
• 22:42
  Nick Massey: uh,
• 22:42
  Nick Massey: that's
• 22:43
  Nick Massey: where
• 22:43
  Nick Massey: working
• 22:43
  Nick Massey: with
• 22:43
  Nick Massey: a
• 22:43
  Nick Massey: specialty
• 22:44
  Nick Massey: firm
• 22:44
  Nick Massey: like
• 22:44
  Nick Massey: Proper
• 22:45
  Nick Massey: becomes
• 22:46
  Nick Massey: inherently
• 22:46
  Nick Massey: beneficial,
• 22:47
  Nick Massey: uh,
• 22:48
  Nick Massey: because
• 22:48
  Nick Massey: we
• 22:48
  Nick Massey: can
• 22:48
  Nick Massey: add
• 22:49
  Nick Massey: and,
• 22:49
  Nick Massey: and
• 22:49
  Nick Massey: change
• 22:49
  Nick Massey: these
• 22:49
  Nick Massey: coverages
• 22:50
  Nick Massey: big.
• 22:51
  Nick Massey: Um,
• 22:52
  Nick Massey: I
• 22:52
  Nick Massey: had
• 22:52
  Nick Massey: mentioned
• 22:53
  Nick Massey: water
• 22:53
  Nick Massey: damage,
• 22:53
  Nick Massey: number
• 22:54
  Nick Massey: one
• 22:54
  Nick Massey: claim,
• 22:55
  Nick Massey: and
• 22:55
  Nick Massey: because
• 22:55
  Nick Massey: this
• 22:55
  Nick Massey: is
• 22:55
  Nick Massey: the
• 22:55
  Nick Massey: number
• 22:55
  Nick Massey: one
• 22:56
  Nick Massey: claim,
• 22:56
  Nick Massey: and
• 22:56
  Nick Massey: we're
• 22:57
  Nick Massey: in
• 22:57
  Nick Massey: this
• 22:57
  Nick Massey: very
• 22:57
  Nick Massey: hard
• 22:58
  Nick Massey: market,
• 22:59
  Nick Massey: We're
• 22:59
  Nick Massey: seeing
• 22:59
  Nick Massey: a
• 22:59
  Nick Massey: lot
• 22:59
  Nick Massey: of
• 22:59
  Nick Massey: water
• 23:00
  Nick Massey: damage
• 23:00
  Nick Massey: limitations
• 23:01
  Nick Massey: being
• 23:01
  Nick Massey: put
• 23:01
  Nick Massey: into
• 23:02
  Nick Massey: these
• 23:02
  Nick Massey: contracts.
• 23:02
  Nick Massey: So,
• 23:03
  Nick Massey: uh,
• 23:03
  Nick Massey: you
• 23:04
  Nick Massey: may
• 23:04
  Nick Massey: have,
• 23:04
  Nick Massey: say,
• 23:04
  Nick Massey: a
• 23:05
  Nick Massey: million
• 23:05
  Nick Massey: dollars
• 23:05
  Nick Massey: in
• 23:06
  Nick Massey: building
• 23:06
  Nick Massey: coverage
• 23:06
  Nick Massey: on
• 23:06
  Nick Massey: your
• 23:06
  Nick Massey: home
• 23:07
  Nick Massey: to
• 23:07
  Nick Massey: replace
• 23:07
  Nick Massey: your
• 23:07
  Nick Massey: structure
• 23:08
  Nick Massey: if
• 23:08
  Nick Massey: it
• 23:08
  Nick Massey: burnt
• 23:08
  Nick Massey: down
• 23:08
  Nick Massey: to
• 23:08
  Nick Massey: the
• 23:09
  Nick Massey: ground,
• 23:09
  Nick Massey: but
• 23:09
  Nick Massey: you
• 23:09
  Nick Massey: only
• 23:10
  Nick Massey: have
• 23:10
  Nick Massey: twenty
• 23:11
  Nick Massey: five,
• 23:11
  Nick Massey: fifty
• 23:12
  Nick Massey: thousand
• 23:12
  Nick Massey: dollars
• 23:13
  Nick Massey: in
• 23:13
  Nick Massey: water
• 23:14
  Nick Massey: damage
• 23:14
  Nick Massey: protection
• 23:15
  Nick Massey: for
• 23:15
  Nick Massey: things
• 23:15
  Nick Massey: like
• 23:15
  Nick Massey: frozen
• 23:16
  Nick Massey: water
• 23:16
  Nick Massey: pipes
• 23:17
  Nick Massey: and,
• 23:17
  Nick Massey: and
• 23:17
  Nick Massey: stuff
• 23:17
  Nick Massey: like
• 23:17
  Nick Massey: that,
• 23:18
  Nick Massey: which
• 23:18
  Nick Massey: is
• 23:19
  Nick Massey: not
• 23:19
  Nick Massey: a
• 23:19
  Nick Massey: lot
• 23:19
  Nick Massey: of
• 23:19
  Nick Massey: coverage
• 23:20
  Nick Massey: in
• 23:20
  Nick Massey: the
• 23:20
  Nick Massey: grand
• 23:20
  Nick Massey: scheme
• 23:21
  Nick Massey: of
• 23:21
  Nick Massey: what
• 23:21
  Nick Massey: water
• 23:21
  Nick Massey: damage
• 23:21
  Nick Massey: can
• 23:22
  Nick Massey: do
• 23:22
  Nick Massey: to
• 23:22
  Nick Massey: a
• 23:22
  Nick Massey: million
• 23:22
  Nick Massey: dollar
• 23:23
  Nick Massey: home.
• 23:24
  Sarah Karakaian: Which
• 23:25
  Sarah Karakaian: is
• 23:25
  Sarah Karakaian: so
• 23:25
  Sarah Karakaian: scary,
• 23:25
  Sarah Karakaian: especially,
• 23:26
  Sarah Karakaian: I
• 23:26
  Sarah Karakaian: mean,
• 23:26
  Sarah Karakaian: right
• 23:26
  Sarah Karakaian: now
• 23:26
  Sarah Karakaian: in
• 23:27
  Sarah Karakaian: As
• 23:27
  Sarah Karakaian: we're
• 23:27
  Sarah Karakaian: recording
• 23:28
  Sarah Karakaian: this
• 23:28
  Sarah Karakaian: in
• 23:28
  Sarah Karakaian: Columbus,
• 23:28
  Sarah Karakaian: Ohio,
• 23:29
  Sarah Karakaian: we
• 23:29
  Sarah Karakaian: did
• 23:29
  Sarah Karakaian: experience
• 23:30
  Sarah Karakaian: a
• 23:30
  Sarah Karakaian: deep
• 23:30
  Sarah Karakaian: freeze,
• 23:30
  Sarah Karakaian: which
• 23:30
  Sarah Karakaian: I
• 23:30
  Sarah Karakaian: think
• 23:31
  Sarah Karakaian: a
• 23:31
  Sarah Karakaian: lot
• 23:31
  Sarah Karakaian: of
• 23:31
  Sarah Karakaian: the
• 23:31
  Sarah Karakaian: country
• 23:31
  Sarah Karakaian: actually
• 23:32
  Sarah Karakaian: did,
• 23:33
  Sarah Karakaian: and
• 23:33
  Sarah Karakaian: we
• 23:33
  Sarah Karakaian: were
• 23:33
  Sarah Karakaian: all
• 23:33
  Sarah Karakaian: hands
• 23:34
  Sarah Karakaian: on
• 23:34
  Sarah Karakaian: deck
• 23:34
  Sarah Karakaian: as
• 23:34
  Sarah Karakaian: a
• 23:34
  Sarah Karakaian: property
• 23:35
  Sarah Karakaian: management
• 23:35
  Sarah Karakaian: company,
• 23:36
  Sarah Karakaian: doing
• 23:36
  Sarah Karakaian: everything
• 23:36
  Sarah Karakaian: we
• 23:36
  Sarah Karakaian: can
• 23:37
  Sarah Karakaian: to,
• 23:38
  Sarah Karakaian: to
• 23:38
  Sarah Karakaian: mitigate
• 23:38
  Sarah Karakaian: frozen
• 23:39
  Sarah Karakaian: pipes
• 23:39
  Sarah Karakaian: and
• 23:39
  Sarah Karakaian: things
• 23:39
  Sarah Karakaian: of
• 23:39
  Sarah Karakaian: that
• 23:39
  Sarah Karakaian: nature,
• 23:40
  Sarah Karakaian: because
• 23:40
  Sarah Karakaian: it's
• 23:40
  Sarah Karakaian: just
• 23:41
  Sarah Karakaian: next
• 23:41
  Sarah Karakaian: level
• 23:41
  Sarah Karakaian: devastation
• 23:42
  Sarah Karakaian: when
• 23:42
  Sarah Karakaian: that,
• 23:43
  Sarah Karakaian: when
• 23:43
  Sarah Karakaian: that
• 23:43
  Sarah Karakaian: happens,
• 23:44
  Sarah Karakaian: I
• 23:44
  Sarah Karakaian: wanted
• 23:44
  Sarah Karakaian: to
• 23:44
  Sarah Karakaian: say
• 23:45
  Sarah Karakaian: before
• 23:45
  Sarah Karakaian: we
• 23:45
  Sarah Karakaian: get
• 23:45
  Sarah Karakaian: to
• 23:45
  Sarah Karakaian: the
• 23:45
  Sarah Karakaian: end
• 23:45
  Sarah Karakaian: of
• 23:45
  Sarah Karakaian: the
• 23:45
  Sarah Karakaian: episode,
• 23:47
  Sarah Karakaian: Nick,
• 23:47
  Sarah Karakaian: and
• 23:47
  Sarah Karakaian: correct
• 23:47
  Sarah Karakaian: me
• 23:47
  Sarah Karakaian: if
• 23:47
  Sarah Karakaian: I'm
• 23:47
  Sarah Karakaian: wrong,
• 23:48
  Sarah Karakaian: but
• 23:48
  Sarah Karakaian: you
• 23:48
  Sarah Karakaian: mentioned
• 23:49
  Sarah Karakaian: this,
• 23:49
  Sarah Karakaian: and
• 23:49
  Sarah Karakaian: I
• 23:49
  Sarah Karakaian: want
• 23:49
  Sarah Karakaian: to
• 23:49
  Sarah Karakaian: highlight
• 23:50
  Sarah Karakaian: it,
• 23:50
  Sarah Karakaian: because
• 23:50
  Sarah Karakaian: I
• 23:50
  Sarah Karakaian: think
• 23:50
  Sarah Karakaian: it's
• 23:50
  Sarah Karakaian: a
• 23:50
  Sarah Karakaian: really
• 23:51
  Sarah Karakaian: nice
• 23:51
  Sarah Karakaian: offer
• 23:52
  Sarah Karakaian: from
• 23:52
  Sarah Karakaian: Proper,
• 23:52
  Sarah Karakaian: but
• 23:52
  Sarah Karakaian: you
• 23:53
  Sarah Karakaian: will,
• 23:53
  Sarah Karakaian: someone
• 23:53
  Sarah Karakaian: could,
• 23:53
  Sarah Karakaian: who's
• 23:54
  Sarah Karakaian: listening
• 23:54
  Sarah Karakaian: to
• 23:54
  Sarah Karakaian: this
• 23:54
  Sarah Karakaian: episode,
• 23:55
  Sarah Karakaian: could
• 23:56
  Sarah Karakaian: Schedule
• 23:56
  Sarah Karakaian: a
• 23:56
  Sarah Karakaian: call
• 23:57
  Sarah Karakaian: with
• 23:57
  Sarah Karakaian: a
• 23:57
  Sarah Karakaian: proper
• 23:58
  Sarah Karakaian: insurance
• 23:59
  Sarah Karakaian: agent,
• 24:00
  Sarah Karakaian: share
• 24:00
  Sarah Karakaian: with
• 24:00
  Sarah Karakaian: them
• 24:00
  Sarah Karakaian: their
• 24:00
  Sarah Karakaian: current
• 24:01
  Sarah Karakaian: policy,
• 24:02
  Sarah Karakaian: and
• 24:02
  Sarah Karakaian: then
• 24:02
  Sarah Karakaian: PROPER
• 24:02
  Sarah Karakaian: will
• 24:02
  Sarah Karakaian: take
• 24:03
  Sarah Karakaian: a
• 24:03
  Sarah Karakaian: look
• 24:03
  Sarah Karakaian: at
• 24:03
  Sarah Karakaian: it.
• 24:03
  Sarah Karakaian: And
• 24:03
  Sarah Karakaian: if
• 24:03
  Sarah Karakaian: they,
• 24:04
  Sarah Karakaian: if
• 24:04
  Sarah Karakaian: you,
• 24:04
  Sarah Karakaian: if
• 24:04
  Sarah Karakaian: PROPER
• 24:04
  Sarah Karakaian: feels
• 24:05
  Sarah Karakaian: like,
• 24:05
  Sarah Karakaian: hey,
• 24:05
  Sarah Karakaian: this
• 24:05
  Sarah Karakaian: is
• 24:05
  Sarah Karakaian: actually
• 24:06
  Sarah Karakaian: quite
• 24:06
  Sarah Karakaian: good,
• 24:06
  Sarah Karakaian: we
• 24:07
  Sarah Karakaian: couldn't
• 24:07
  Sarah Karakaian: do
• 24:07
  Sarah Karakaian: better,
• 24:07
  Sarah Karakaian: like
• 24:07
  Sarah Karakaian: you
• 24:07
  Sarah Karakaian: would
• 24:08
  Sarah Karakaian: tell
• 24:08
  Sarah Karakaian: them,
• 24:08
  Sarah Karakaian: or
• 24:08
  Sarah Karakaian: you
• 24:08
  Sarah Karakaian: could
• 24:09
  Sarah Karakaian: expose
• 24:10
  Sarah Karakaian: gaps
• 24:10
  Sarah Karakaian: in
• 24:10
  Sarah Karakaian: their
• 24:10
  Sarah Karakaian: coverage,
• 24:11
  Sarah Karakaian: they
• 24:11
  Sarah Karakaian: can
• 24:12
  Sarah Karakaian: at
• 24:12
  Sarah Karakaian: least
• 24:12
  Sarah Karakaian: make
• 24:12
  Sarah Karakaian: the
• 24:12
  Sarah Karakaian: best
• 24:12
  Sarah Karakaian: educated
• 24:13
  Sarah Karakaian: decision
• 24:13
  Sarah Karakaian: they
• 24:13
  Sarah Karakaian: can
• 24:13
  Sarah Karakaian: for
• 24:14
  Sarah Karakaian: their
• 24:14
  Sarah Karakaian: short
• 24:14
  Sarah Karakaian: term
• 24:14
  Sarah Karakaian: rental,
• 24:14
  Sarah Karakaian: right?
• 24:16
  Nick Massey: 100%.
• 24:16
  Nick Massey: So,
• 24:17
  Nick Massey: you
• 24:17
  Nick Massey: know,
• 24:17
  Nick Massey: full
• 24:18
  Nick Massey: disclosure,
• 24:18
  Nick Massey: we
• 24:18
  Nick Massey: keep
• 24:19
  Nick Massey: the
• 24:19
  Nick Massey: lights
• 24:19
  Nick Massey: on
• 24:19
  Nick Massey: in
• 24:19
  Nick Massey: the
• 24:19
  Nick Massey: office
• 24:20
  Nick Massey: by
• 24:20
  Nick Massey: selling
• 24:20
  Nick Massey: insurance
• 24:20
  Nick Massey: policies.
• 24:21
  Nick Massey: Right,
• 24:21
  Nick Massey: right.
• 24:22
  Nick Massey: But
• 24:22
  Nick Massey: we
• 24:22
  Nick Massey: know
• 24:23
  Nick Massey: not
• 24:23
  Nick Massey: everybody,
• 24:24
  Nick Massey: um,
• 24:24
  Nick Massey: based
• 24:25
  Nick Massey: on
• 24:25
  Nick Massey: how
• 24:25
  Nick Massey: they're
• 24:25
  Nick Massey: trying
• 24:26
  Nick Massey: to
• 24:26
  Nick Massey: do
• 24:26
  Nick Massey: their
• 24:26
  Nick Massey: risk
• 24:26
  Nick Massey: management,
• 24:27
  Nick Massey: which
• 24:27
  Nick Massey: insurance
• 24:28
  Nick Massey: is
• 24:28
  Nick Massey: a
• 24:28
  Nick Massey: major
• 24:29
  Nick Massey: component
• 24:29
  Nick Massey: of
• 24:29
  Nick Massey: that,
• 24:30
  Nick Massey: uh,
• 24:30
  Nick Massey: that,
• 24:31
  Nick Massey: They
• 24:31
  Nick Massey: may
• 24:31
  Nick Massey: not
• 24:32
  Nick Massey: need
• 24:32
  Nick Massey: all
• 24:32
  Nick Massey: of
• 24:32
  Nick Massey: the,
• 24:33
  Nick Massey: the
• 24:33
  Nick Massey: bells
• 24:33
  Nick Massey: and
• 24:34
  Nick Massey: whistles
• 24:34
  Nick Massey: and,
• 24:34
  Nick Massey: and
• 24:35
  Nick Massey: call
• 24:35
  Nick Massey: it,
• 24:35
  Nick Massey: you
• 24:35
  Nick Massey: know,
• 24:35
  Nick Massey: the
• 24:35
  Nick Massey: Cadillac
• 24:36
  Nick Massey: trim
• 24:36
  Nick Massey: package,
• 24:37
  Nick Massey: if
• 24:37
  Nick Massey: you
• 24:37
  Nick Massey: will,
• 24:38
  Nick Massey: that,
• 24:38
  Nick Massey: that
• 24:38
  Nick Massey: our
• 24:39
  Nick Massey: package
• 24:39
  Nick Massey: offers,
• 24:39
  Nick Massey: but
• 24:40
  Nick Massey: we're
• 24:40
  Nick Massey: still
• 24:40
  Nick Massey: going
• 24:40
  Nick Massey: to
• 24:40
  Nick Massey: take
• 24:40
  Nick Massey: a
• 24:40
  Nick Massey: look
• 24:41
  Nick Massey: and
• 24:41
  Nick Massey: say,
• 24:42
  Nick Massey: okay,
• 24:43
  Nick Massey: this
• 24:43
  Nick Massey: is
• 24:44
  Nick Massey: the
• 24:44
  Nick Massey: limitations
• 24:44
  Nick Massey: in
• 24:45
  Nick Massey: the
• 24:45
  Nick Massey: policy.
• 24:45
  Nick Massey: And
• 24:45
  Nick Massey: from
• 24:46
  Nick Massey: my
• 24:46
  Nick Massey: standpoint,
• 24:47
  Nick Massey: you
• 24:47
  Nick Massey: know,
• 24:47
  Nick Massey: you're
• 24:48
  Nick Massey: a
• 24:48
  Nick Massey: lakefront
• 24:48
  Nick Massey: property,
• 24:49
  Nick Massey: so
• 24:49
  Nick Massey: you
• 24:49
  Nick Massey: really.
• 24:50
  Nick Massey: Um,
• 24:50
  Nick Massey: need
• 24:51
  Nick Massey: to
• 24:51
  Nick Massey: be
• 24:51
  Nick Massey: mindful
• 24:52
  Nick Massey: that
• 24:52
  Nick Massey: there's
• 24:52
  Nick Massey: limitations
• 24:53
  Nick Massey: in
• 24:53
  Nick Massey: this
• 24:53
  Nick Massey: coverage
• 24:54
  Nick Massey: for
• 24:54
  Nick Massey: the
• 24:54
  Nick Massey: amenities
• 24:55
  Nick Massey: that
• 24:55
  Nick Massey: you
• 24:55
  Nick Massey: offer,
• 24:56
  Nick Massey: um,
• 24:56
  Nick Massey: or
• 24:57
  Nick Massey: this
• 24:57
  Nick Massey: policy
• 24:57
  Nick Massey: has,
• 24:58
  Nick Massey: um,
• 24:59
  Nick Massey: you
• 24:59
  Nick Massey: know,
• 24:59
  Nick Massey: requirements
• 25:00
  Nick Massey: around
• 25:00
  Nick Massey: your
• 25:00
  Nick Massey: swimming
• 25:01
  Nick Massey: pool.
• 25:01
  Nick Massey: If
• 25:01
  Nick Massey: you
• 25:01
  Nick Massey: don't
• 25:01
  Nick Massey: have
• 25:02
  Nick Massey: X,
• 25:02
  Nick Massey: Y,
• 25:02
  Nick Massey: and
• 25:02
  Nick Massey: Z
• 25:03
  Nick Massey: at
• 25:03
  Nick Massey: your
• 25:04
  Nick Massey: swimming
• 25:04
  Nick Massey: pool,
• 25:04
  Nick Massey: they're
• 25:04
  Nick Massey: not
• 25:04
  Nick Massey: going
• 25:05
  Nick Massey: to
• 25:05
  Nick Massey: pay
• 25:05
  Nick Massey: a
• 25:05
  Nick Massey: claim.
• 25:05
  Nick Massey: Like
• 25:06
  Nick Massey: we
• 25:06
  Nick Massey: see
• 25:06
  Nick Massey: a
• 25:07
  Nick Massey: lot
• 25:07
  Nick Massey: of
• 25:07
  Nick Massey: coverages
• 25:07
  Nick Massey: require
• 25:08
  Nick Massey: self
• 25:08
  Nick Massey: locking
• 25:08
  Nick Massey: gates,
• 25:09
  Nick Massey: which
• 25:09
  Nick Massey: may
• 25:10
  Nick Massey: or
• 25:10
  Nick Massey: may
• 25:10
  Nick Massey: not
• 25:10
  Nick Massey: be
• 25:10
  Nick Massey: the
• 25:10
  Nick Massey: current
• 25:11
  Nick Massey: code.
• 25:12
  Nick Massey: Uh,
• 25:12
  Nick Massey: in
• 25:12
  Nick Massey: your
• 25:12
  Nick Massey: area,
• 25:13
  Nick Massey: but
• 25:14
  Nick Massey: if
• 25:14
  Nick Massey: you
• 25:14
  Nick Massey: don't
• 25:14
  Nick Massey: have
• 25:14
  Nick Massey: a
• 25:14
  Nick Massey: self
• 25:15
  Nick Massey: locking
• 25:15
  Nick Massey: gate
• 25:15
  Nick Massey: that's
• 25:16
  Nick Massey: operational,
• 25:16
  Nick Massey: they
• 25:16
  Nick Massey: can
• 25:17
  Nick Massey: deny
• 25:17
  Nick Massey: a
• 25:17
  Nick Massey: liability
• 25:17
  Nick Massey: claim.
• 25:18
  Nick Massey: So
• 25:18
  Nick Massey: we,
• 25:19
  Nick Massey: we
• 25:19
  Nick Massey: want
• 25:19
  Nick Massey: to
• 25:19
  Nick Massey: see
• 25:20
  Nick Massey: your
• 25:20
  Nick Massey: policy
• 25:20
  Nick Massey: so
• 25:20
  Nick Massey: we
• 25:20
  Nick Massey: can
• 25:21
  Nick Massey: help
• 25:21
  Nick Massey: point
• 25:21
  Nick Massey: those
• 25:21
  Nick Massey: out
• 25:22
  Nick Massey: because
• 25:22
  Nick Massey: two
• 25:22
  Nick Massey: things
• 25:22
  Nick Massey: are
• 25:23
  Nick Massey: going
• 25:23
  Nick Massey: to
• 25:23
  Nick Massey: happen.
• 25:23
  Nick Massey: One,
• 25:24
  Nick Massey: you're
• 25:25
  Nick Massey: absolutely
• 25:25
  Nick Massey: guaranteed
• 25:26
  Nick Massey: to
• 25:26
  Nick Massey: get
• 25:26
  Nick Massey: a
• 25:26
  Nick Massey: much
• 25:26
  Nick Massey: higher
• 25:27
  Nick Massey: level
• 25:27
  Nick Massey: education
• 25:27
  Nick Massey: around
• 25:28
  Nick Massey: insurance
• 25:29
  Nick Massey: and
• 25:29
  Nick Massey: how
• 25:29
  Nick Massey: this
• 25:29
  Nick Massey: works
• 25:29
  Nick Massey: in
• 25:29
  Nick Massey: your
• 25:30
  Nick Massey: property
• 25:30
  Nick Massey: with
• 25:30
  Nick Massey: us.
• 25:31
  Nick Massey: And
• 25:31
  Nick Massey: two,
• 25:32
  Nick Massey: you're
• 25:32
  Nick Massey: going
• 25:32
  Nick Massey: to
• 25:32
  Nick Massey: leave
• 25:32
  Nick Massey: that
• 25:32
  Nick Massey: conversation
• 25:33
  Nick Massey: with
• 25:34
  Nick Massey: the
• 25:34
  Nick Massey: option
• 25:34
  Nick Massey: of
• 25:35
  Nick Massey: taking
• 25:35
  Nick Massey: policy
• 25:36
  Nick Massey: A.
• 25:36
  Nick Massey: or
• 25:36
  Nick Massey: the
• 25:37
  Nick Massey: proper
• 25:37
  Nick Massey: insurance
• 25:37
  Nick Massey: policy
• 25:38
  Nick Massey: on
• 25:38
  Nick Massey: the
• 25:38
  Nick Massey: basis
• 25:39
  Nick Massey: of
• 25:39
  Nick Massey: what
• 25:39
  Nick Massey: you're
• 25:39
  Nick Massey: looking
• 25:39
  Nick Massey: to
• 25:39
  Nick Massey: accomplish.
• 25:40
  Nick Massey: And
• 25:41
  Nick Massey: we
• 25:41
  Nick Massey: totally
• 25:41
  Nick Massey: get,
• 25:42
  Nick Massey: and
• 25:42
  Nick Massey: our
• 25:42
  Nick Massey: numbers
• 25:42
  Nick Massey: are
• 25:42
  Nick Massey: just
• 25:43
  Nick Massey: this,
• 25:43
  Nick Massey: 7
• 25:44
  Nick Massey: people
• 25:45
  Nick Massey: are
• 25:45
  Nick Massey: going
• 25:45
  Nick Massey: to
• 25:45
  Nick Massey: go
• 25:45
  Nick Massey: with
• 25:46
  Nick Massey: that
• 25:46
  Nick Massey: other
• 25:46
  Nick Massey: policy,
• 25:46
  Nick Massey: but
• 25:47
  Nick Massey: we
• 25:47
  Nick Massey: know
• 25:47
  Nick Massey: 10
• 25:48
  Nick Massey: people
• 25:48
  Nick Massey: got
• 25:49
  Nick Massey: done
• 25:49
  Nick Massey: chatting
• 25:49
  Nick Massey: with
• 25:49
  Nick Massey: us
• 25:50
  Nick Massey: and
• 25:50
  Nick Massey: very
• 25:51
  Nick Massey: much
• 25:51
  Nick Massey: should
• 25:51
  Nick Massey: have
• 25:51
  Nick Massey: a
• 25:51
  Nick Massey: better
• 25:52
  Nick Massey: understanding
• 25:52
  Nick Massey: of
• 25:52
  Nick Massey: things
• 25:53
  Nick Massey: they
• 25:53
  Nick Massey: may
• 25:53
  Nick Massey: need
• 25:53
  Nick Massey: to
• 25:53
  Nick Massey: self
• 25:53
  Nick Massey: insure
• 25:54
  Nick Massey: for,
• 25:55
  Nick Massey: or
• 25:55
  Nick Massey: maybe
• 25:55
  Nick Massey: take
• 25:56
  Nick Massey: next
• 25:56
  Nick Massey: steps
• 25:56
  Nick Massey: to
• 25:56
  Nick Massey: better
• 25:57
  Nick Massey: manage
• 25:57
  Nick Massey: their
• 25:57
  Nick Massey: risk
• 25:58
  Nick Massey: to
• 25:58
  Nick Massey: try
• 25:58
  Nick Massey: to
• 25:58
  Nick Massey: avoid
• 25:59
  Nick Massey: one
• 25:59
  Nick Massey: of
• 25:59
  Nick Massey: those
• 25:59
  Nick Massey: excluded
• 26:00
  Nick Massey: losses
• 26:00
  Nick Massey: from
• 26:00
  Nick Massey: happening
• 26:01
  Nick Massey: at
• 26:01
  Nick Massey: their
• 26:01
  Nick Massey: property.
• 26:02
  Sarah Karakaian: I
• 26:02
  Sarah Karakaian: love
• 26:02
  Sarah Karakaian: that
• 26:02
  Sarah Karakaian: transparency.
• 26:03
  Sarah Karakaian: Let's
• 26:03
  Sarah Karakaian: you
• 26:03
  Sarah Karakaian: mentioned
• 26:03
  Sarah Karakaian: amenities.
• 26:04
  Sarah Karakaian: Can
• 26:04
  Sarah Karakaian: we
• 26:04
  Sarah Karakaian: talk
• 26:05
  Sarah Karakaian: about
• 26:05
  Sarah Karakaian: that?
• 26:05
  Sarah Karakaian: What
• 26:05
  Sarah Karakaian: should
• 26:06
  Sarah Karakaian: hosts
• 26:06
  Sarah Karakaian: look
• 26:06
  Sarah Karakaian: for?
• 26:07
  Sarah Karakaian: We
• 26:07
  Sarah Karakaian: get
• 26:07
  Sarah Karakaian: calls
• 26:08
  Sarah Karakaian: in
• 26:08
  Sarah Karakaian: all
• 26:08
  Sarah Karakaian: the
• 26:08
  Sarah Karakaian: time
• 26:08
  Sarah Karakaian: in
• 26:08
  Sarah Karakaian: our
• 26:08
  Sarah Karakaian: hosting
• 26:09
  Sarah Karakaian: hotline,
• 26:09
  Sarah Karakaian: Nick,
• 26:10
  Sarah Karakaian: or
• 26:10
  Sarah Karakaian: in
• 26:10
  Sarah Karakaian: our,
• 26:11
  Sarah Karakaian: in
• 26:11
  Sarah Karakaian: our
• 26:11
  Sarah Karakaian: private
• 26:12
  Sarah Karakaian: group
• 26:12
  Sarah Karakaian: of,
• 26:12
  Sarah Karakaian: you
• 26:13
  Sarah Karakaian: know,
• 26:13
  Sarah Karakaian: what
• 26:13
  Sarah Karakaian: appendices
• 26:13
  Sarah Karakaian: gonna
• 26:14
  Sarah Karakaian: make
• 26:14
  Sarah Karakaian: them
• 26:14
  Sarah Karakaian: money.
• 26:15
  Sarah Karakaian: And
• 26:15
  Sarah Karakaian: a
• 26:15
  Sarah Karakaian: lot
• 26:15
  Sarah Karakaian: of
• 26:15
  Sarah Karakaian: the
• 26:15
  Sarah Karakaian: times,
• 26:16
  Sarah Karakaian: and
• 26:16
  Sarah Karakaian: then
• 26:16
  Sarah Karakaian: I
• 26:16
  Sarah Karakaian: try
• 26:16
  Sarah Karakaian: to
• 26:16
  Sarah Karakaian: do
• 26:16
  Sarah Karakaian: a
• 26:16
  Sarah Karakaian: good
• 26:16
  Sarah Karakaian: job
• 26:17
  Sarah Karakaian: of
• 26:17
  Sarah Karakaian: saying,
• 26:17
  Sarah Karakaian: just
• 26:18
  Sarah Karakaian: make
• 26:18
  Sarah Karakaian: sure
• 26:18
  Sarah Karakaian: that
• 26:19
  Sarah Karakaian: your
• 26:19
  Sarah Karakaian: insurance
• 26:19
  Sarah Karakaian: company
• 26:19
  Sarah Karakaian: knows
• 26:20
  Sarah Karakaian: That
• 26:20
  Sarah Karakaian: you
• 26:21
  Sarah Karakaian: want
• 26:21
  Sarah Karakaian: to
• 26:21
  Sarah Karakaian: bring
• 26:21
  Sarah Karakaian: this
• 26:21
  Sarah Karakaian: amenity
• 26:22
  Sarah Karakaian: into
• 26:22
  Sarah Karakaian: your
• 26:22
  Sarah Karakaian: property.
• 26:22
  Sarah Karakaian: So
• 26:23
  Sarah Karakaian: talk
• 26:23
  Sarah Karakaian: to
• 26:23
  Sarah Karakaian: us
• 26:23
  Sarah Karakaian: about
• 26:24
  Sarah Karakaian: what
• 26:24
  Sarah Karakaian: you
• 26:24
  Sarah Karakaian: see
• 26:24
  Sarah Karakaian: when
• 26:25
  Sarah Karakaian: it
• 26:25
  Sarah Karakaian: comes
• 26:25
  Sarah Karakaian: to
• 26:26
  Sarah Karakaian: these
• 26:26
  Sarah Karakaian: money
• 26:26
  Sarah Karakaian: making
• 26:27
  Sarah Karakaian: amenities
• 26:27
  Sarah Karakaian: that
• 26:28
  Sarah Karakaian: might
• 26:28
  Sarah Karakaian: also
• 26:28
  Sarah Karakaian: not
• 26:29
  Sarah Karakaian: be
• 26:29
  Sarah Karakaian: covered
• 26:30
  Sarah Karakaian: or
• 26:30
  Sarah Karakaian: expose
• 26:31
  Sarah Karakaian: them
• 26:31
  Sarah Karakaian: to
• 26:31
  Sarah Karakaian: risks
• 26:31
  Sarah Karakaian: that
• 26:31
  Sarah Karakaian: they're
• 26:31
  Sarah Karakaian: not
• 26:32
  Sarah Karakaian: quite
• 26:32
  Sarah Karakaian: aware
• 26:32
  Sarah Karakaian: of.
• 26:33
  Nick Massey: Yeah,
• 26:33
  Nick Massey: so
• 26:34
  Nick Massey: rule
• 26:34
  Nick Massey: number
• 26:34
  Nick Massey: one,
• 26:35
  Nick Massey: if
• 26:35
  Nick Massey: it's
• 26:35
  Nick Massey: not
• 26:35
  Nick Massey: a
• 26:36
  Nick Massey: searchable
• 26:37
  Nick Massey: amenity
• 26:37
  Nick Massey: on
• 26:37
  Nick Massey: the
• 26:37
  Nick Massey: OTA,
• 26:38
  Nick Massey: do
• 26:38
  Nick Massey: not
• 26:38
  Nick Massey: provide
• 26:39
  Nick Massey: it.
• 26:39
  Nick Massey: Um,
• 26:40
  Nick Massey: What
• 26:40
  Nick Massey: does
• 26:40
  Nick Massey: that
• 26:40
  Nick Massey: mean?
• 26:40
  Nick Massey: That's,
• 26:42
  Nick Massey: like
• 26:42
  Nick Massey: I
• 26:42
  Nick Massey: can
• 26:42
  Nick Massey: search
• 26:42
  Nick Massey: swimming
• 26:43
  Nick Massey: pools
• 26:43
  Nick Massey: on
• 26:44
  Nick Massey: Airbnb
• 26:44
  Nick Massey: and
• 26:44
  Nick Massey: VRBO,
• 26:45
  Nick Massey: but
• 26:45
  Nick Massey: I
• 26:45
  Nick Massey: can't
• 26:46
  Nick Massey: search
• 26:46
  Nick Massey: diving
• 26:46
  Nick Massey: board.
• 26:49
  Nick Massey: So
• 26:49
  Nick Massey: you
• 26:50
  Nick Massey: probably
• 26:50
  Nick Massey: should
• 26:50
  Nick Massey: remove
• 26:51
  Nick Massey: your
• 26:51
  Nick Massey: diving
• 26:51
  Nick Massey: board
• 26:51
  Nick Massey: if
• 26:51
  Nick Massey: you
• 26:51
  Nick Massey: have
• 26:52
  Nick Massey: one.
• 26:52
  Nick Massey: I
• 26:52
  Nick Massey: can't
• 26:52
  Nick Massey: search
• 26:53
  Nick Massey: slide.
• 26:54
  Nick Massey: I
• 26:54
  Nick Massey: can't
• 26:54
  Nick Massey: search
• 26:55
  Nick Massey: trampoline.
• 26:56
  Nick Massey: I
• 26:56
  Nick Massey: can't
• 26:57
  Nick Massey: search
• 26:57
  Nick Massey: inflatable
• 26:58
  Nick Massey: flamingo.
• 26:59
  Nick Massey: Like
• 26:59
  Nick Massey: just
• 27:00
  Nick Massey: don't
• 27:00
  Nick Massey: have
• 27:00
  Nick Massey: those
• 27:01
  Nick Massey: at
• 27:01
  Nick Massey: your
• 27:01
  Nick Massey: property
• 27:01
  Nick Massey: if
• 27:01
  Nick Massey: you
• 27:01
  Nick Massey: can't
• 27:02
  Nick Massey: search
• 27:02
  Nick Massey: for
• 27:02
  Nick Massey: it
• 27:03
  Nick Massey: on
• 27:03
  Nick Massey: Airbnb.
• 27:03
  Nick Massey: If
• 27:03
  Nick Massey: it's
• 27:04
  Nick Massey: not
• 27:04
  Nick Massey: a
• 27:04
  Nick Massey: filtered
• 27:05
  Nick Massey: amenity,
• 27:07
  Nick Massey: get
• 27:07
  Nick Massey: rid
• 27:07
  Nick Massey: of
• 27:07
  Nick Massey: it.
• 27:07
  Nick Massey: And
• 27:07
  Nick Massey: I
• 27:08
  Nick Massey: think
• 27:08
  Nick Massey: That
• 27:08
  Nick Massey: is
• 27:08
  Sarah Karakaian: some
• 27:08
  Sarah Karakaian: pro
• 27:09
  Sarah Karakaian: tip
• 27:09
  Sarah Karakaian: right
• 27:09
  Sarah Karakaian: there.
• 27:09
  Sarah Karakaian: Is
• 27:09
  Sarah Karakaian: this
• 27:09
  Sarah Karakaian: because
• 27:10
  Sarah Karakaian: they
• 27:10
  Sarah Karakaian: OTAs
• 27:11
  Sarah Karakaian: are
• 27:11
  Sarah Karakaian: like,
• 27:12
  Sarah Karakaian: we're
• 27:12
  Sarah Karakaian: not
• 27:12
  Sarah Karakaian: going
• 27:12
  Sarah Karakaian: to
• 27:12
  Sarah Karakaian: promote
• 27:12
  Sarah Karakaian: these
• 27:13
  Sarah Karakaian: things
• 27:13
  Sarah Karakaian: because
• 27:13
  Sarah Karakaian: they're
• 27:13
  Sarah Karakaian: high
• 27:13
  Sarah Karakaian: risk.
• 27:15
  Nick Massey: And
• 27:15
  Nick Massey: it's
• 27:15
  Nick Massey: partly
• 27:15
  Nick Massey: because
• 27:16
  Nick Massey: they
• 27:16
  Nick Massey: probably
• 27:16
  Nick Massey: want
• 27:16
  Nick Massey: to
• 27:16
  Nick Massey: cover
• 27:17
  Nick Massey: it
• 27:17
  Nick Massey: on
• 27:17
  Nick Massey: their
• 27:17
  Nick Massey: free
• 27:17
  Nick Massey: liability
• 27:18
  Nick Massey: insurance,
• 27:19
  Nick Massey: as
• 27:19
  Nick Massey: they
• 27:19
  Nick Massey: call
• 27:20
  Nick Massey: it.
• 27:20
  Nick Massey: Um,
• 27:20
  Nick Massey: but
• 27:21
  Nick Massey: that's
• 27:21
  Nick Massey: what
• 27:21
  Nick Massey: we
• 27:21
  Nick Massey: looked
• 27:22
  Nick Massey: at
• 27:22
  Nick Massey: when
• 27:22
  Nick Massey: we
• 27:22
  Nick Massey: developed
• 27:22
  Nick Massey: our
• 27:23
  Nick Massey: program
• 27:23
  Nick Massey: was
• 27:24
  Nick Massey: like,
• 27:24
  Nick Massey: what
• 27:24
  Nick Massey: are
• 27:24
  Nick Massey: these
• 27:25
  Nick Massey: commonplace
• 27:25
  Nick Massey: amenities?
• 27:26
  Nick Massey: Canoes,
• 27:27
  Nick Massey: kayaks,
• 27:28
  Nick Massey: swimming
• 27:28
  Nick Massey: pools,
• 27:29
  Nick Massey: hot
• 27:29
  Nick Massey: tubs.
• 27:30
  Nick Massey: Uh,
• 27:30
  Nick Massey: saunas
• 27:31
  Nick Massey: aren't
• 27:31
  Nick Massey: technically
• 27:32
  Nick Massey: a,
• 27:32
  Nick Massey: um,
• 27:32
  Nick Massey: searchable
• 27:33
  Nick Massey: amenity,
• 27:34
  Nick Massey: but
• 27:34
  Nick Massey: it
• 27:34
  Nick Massey: is
• 27:34
  Nick Massey: something
• 27:34
  Nick Massey: like
• 27:35
  Nick Massey: that
• 27:35
  Nick Massey: we
• 27:35
  Nick Massey: cover.
• 27:36
  Nick Massey: Um,
• 27:36
  Nick Massey: so.
• 27:37
  Nick Massey: You
• 27:37
  Nick Massey: know,
• 27:37
  Nick Massey: take
• 27:38
  Nick Massey: that
• 27:38
  Nick Massey: a
• 27:38
  Nick Massey: little
• 27:38
  Nick Massey: bit
• 27:38
  Nick Massey: with
• 27:38
  Nick Massey: a
• 27:38
  Nick Massey: grain
• 27:39
  Nick Massey: of
• 27:39
  Nick Massey: salt,
• 27:39
  Nick Massey: but
• 27:39
  Nick Massey: what
• 27:40
  Nick Massey: are
• 27:40
  Nick Massey: things
• 27:40
  Nick Massey: that
• 27:40
  Nick Massey: we're
• 27:40
  Nick Massey: not
• 27:40
  Nick Massey: going
• 27:41
  Nick Massey: to
• 27:41
  Nick Massey: cover?
• 27:41
  Nick Massey: We're
• 27:41
  Nick Massey: not
• 27:41
  Nick Massey: going
• 27:41
  Nick Massey: to
• 27:41
  Nick Massey: cover
• 27:41
  Nick Massey: zip
• 27:42
  Nick Massey: lines.
• 27:42
  Nick Massey: We're
• 27:42
  Nick Massey: not
• 27:42
  Nick Massey: going
• 27:43
  Nick Massey: to
• 27:43
  Nick Massey: cover
• 27:43
  Nick Massey: the
• 27:43
  Nick Massey: trampolines.
• 27:44
  Nick Massey: We're
• 27:44
  Nick Massey: not
• 27:44
  Nick Massey: going
• 27:44
  Nick Massey: to
• 27:44
  Nick Massey: cover
• 27:45
  Nick Massey: the
• 27:45
  Nick Massey: rope
• 27:45
  Nick Massey: swings
• 27:45
  Nick Massey: hanging
• 27:46
  Nick Massey: in
• 27:46
  Nick Massey: a
• 27:46
  Nick Massey: tree.
• 27:47
  Nick Massey: We're
• 27:47
  Nick Massey: not
• 27:47
  Nick Massey: going
• 27:47
  Nick Massey: to
• 27:47
  Nick Massey: cover
• 27:47
  Nick Massey: this
• 27:48
  Nick Massey: and
• 27:48
  Nick Massey: that,
• 27:48
  Nick Massey: uh,
• 27:49
  Nick Massey: because
• 27:49
  Nick Massey: it's
• 27:49
  Nick Massey: just
• 27:49
  Nick Massey: not
• 27:50
  Nick Massey: a
• 27:50
  Nick Massey: commonplace
• 27:51
  Nick Massey: amenity.
• 27:52
  Nick Massey: Okay.
• 27:53
  Nick Massey: So
• 27:54
  Nick Massey: that's
• 27:54
  Nick Massey: kind
• 27:54
  Nick Massey: of
• 27:54
  Nick Massey: my,
• 27:55
  Nick Massey: that's
• 27:55
  Nick Massey: definitely
• 27:55
  Nick Massey: a
• 27:55
  Nick Massey: pro
• 27:56
  Nick Massey: tip.
• 27:56
  Nick Massey: And
• 27:56
  Nick Massey: that's
• 27:56
  Nick Massey: what
• 27:56
  Nick Massey: I
• 27:56
  Nick Massey: tell
• 27:57
  Nick Massey: every
• 27:57
  Nick Massey: client.
• 27:57
  Nick Massey: They're
• 27:57
  Nick Massey: like,
• 27:57
  Nick Massey: well,
• 27:57
  Nick Massey: I
• 27:57
  Nick Massey: want
• 27:58
  Nick Massey: to
• 27:58
  Nick Massey: do
• 27:58
  Nick Massey: this.
• 27:58
  Nick Massey: I
• 27:58
  Nick Massey: want
• 27:58
  Nick Massey: to
• 27:58
  Nick Massey: do
• 27:58
  Nick Massey: that.
• 27:58
  Nick Massey: It's
• 27:58
  Nick Massey: like,
• 27:59
  Nick Massey: well,
• 27:59
  Nick Massey: if
• 27:59
  Nick Massey: you
• 27:59
  Nick Massey: can't
• 27:59
  Nick Massey: check
• 27:59
  Nick Massey: the
• 27:59
  Nick Massey: box
• 28:00
  Nick Massey: on
• 28:00
  Nick Massey: the
• 28:00
  Nick Massey: OTA.
• 28:01
  Nick Massey: Don't
• 28:01
  Nick Massey: offer
• 28:01
  Nick Massey: it.
• 28:02
  Nick Massey: Plain
• 28:02
  Nick Massey: and
• 28:02
  Nick Massey: simple.
• 28:03
  Annette Grant: Let's
• 28:03
  Annette Grant: pause,
• 28:03
  Annette Grant: yeah,
• 28:03
  Annette Grant: let's
• 28:04
  Annette Grant: pause
• 28:04
  Annette Grant: on,
• 28:04
  Annette Grant: you
• 28:04
  Annette Grant: said
• 28:04
  Annette Grant: kayak,
• 28:05
  Annette Grant: canoes,
• 28:05
  Annette Grant: bicycles.
• 28:06
  Annette Grant: We
• 28:07
  Annette Grant: hear
• 28:07
  Annette Grant: so
• 28:07
  Annette Grant: many
• 28:07
  Annette Grant: hosts,
• 28:08
  Annette Grant: like,
• 28:08
  Annette Grant: that
• 28:08
  Annette Grant: cribs
• 28:09
  Annette Grant: and
• 28:09
  Annette Grant: high
• 28:09
  Annette Grant: chairs,
• 28:10
  Annette Grant: they
• 28:10
  Annette Grant: think
• 28:10
  Annette Grant: they're
• 28:10
  Annette Grant: just,
• 28:10
  Annette Grant: like,
• 28:11
  Annette Grant: the
• 28:11
  Annette Grant: more
• 28:11
  Annette Grant: they
• 28:11
  Annette Grant: throw
• 28:11
  Annette Grant: in
• 28:12
  Annette Grant: there,
• 28:12
  Annette Grant: the
• 28:12
  Annette Grant: more
• 28:12
  Annette Grant: bookings
• 28:13
  Annette Grant: they're
• 28:13
  Annette Grant: gonna
• 28:13
  Annette Grant: get.
• 28:15
  Annette Grant: Via
• 28:15
  Annette Grant: Justin
• 28:16
  Annette Grant: Ford,
• 28:17
  Annette Grant: I've
• 28:17
  Annette Grant: heard
• 28:17
  Annette Grant: that,
• 28:17
  Annette Grant: you
• 28:18
  Annette Grant: know,
• 28:18
  Annette Grant: from
• 28:18
  Annette Grant: the
• 28:19
  Annette Grant: high
• 28:19
  Annette Grant: chairs
• 28:19
  Annette Grant: to
• 28:19
  Annette Grant: kayaks,
• 28:20
  Annette Grant: all
• 28:20
  Annette Grant: of
• 28:20
  Annette Grant: that
• 28:21
  Annette Grant: should
• 28:21
  Annette Grant: have
• 28:21
  Annette Grant: a
• 28:21
  Annette Grant: waiver
• 28:22
  Annette Grant: attached
• 28:22
  Annette Grant: to
• 28:23
  Annette Grant: it.
• 28:23
  Annette Grant: Is
• 28:23
  Annette Grant: that
• 28:23
  Annette Grant: correct?
• 28:24
  Nick Massey: 100
• 28:25
  Nick Massey: percent
• 28:25
  Nick Massey: Absolutely.
• 28:26
  Nick Massey: So
• 28:26
  Nick Massey: one
• 28:27
  Nick Massey: of
• 28:27
  Nick Massey: our
• 28:27
  Nick Massey: fundamental
• 28:27
  Nick Massey: requirements
• 28:28
  Nick Massey: when
• 28:28
  Nick Massey: somebody
• 28:29
  Nick Massey: setting
• 28:29
  Nick Massey: up
• 28:29
  Nick Massey: with
• 28:29
  Nick Massey: this
• 28:29
  Nick Massey: and
• 28:29
  Nick Massey: we're
• 28:30
  Nick Massey: helping
• 28:30
  Nick Massey: them
• 28:30
  Nick Massey: kind
• 28:30
  Nick Massey: of
• 28:30
  Nick Massey: walk
• 28:31
  Nick Massey: through
• 28:31
  Nick Massey: this
• 28:31
  Nick Massey: managing
• 28:32
  Nick Massey: of
• 28:32
  Nick Massey: the
• 28:32
  Nick Massey: risk.
• 28:32
  Nick Massey: Yes,
• 28:32
  Nick Massey: we're
• 28:33
  Nick Massey: going
• 28:33
  Nick Massey: to
• 28:33
  Nick Massey: cover
• 28:33
  Nick Massey: it.
• 28:34
  Nick Massey: But
• 28:34
  Nick Massey: part
• 28:34
  Nick Massey: of
• 28:34
  Nick Massey: the
• 28:35
  Nick Massey: give
• 28:35
  Nick Massey: and
• 28:35
  Nick Massey: take
• 28:36
  Nick Massey: relationship
• 28:36
  Nick Massey: when
• 28:36
  Nick Massey: you
• 28:37
  Nick Massey: work
• 28:37
  Nick Massey: with
• 28:37
  Nick Massey: an
• 28:37
  Nick Massey: insurance
• 28:38
  Nick Massey: provider
• 28:38
  Nick Massey: like
• 28:38
  Nick Massey: proper
• 28:39
  Nick Massey: is
• 28:40
  Nick Massey: okay.
• 28:40
  Nick Massey: We're
• 28:40
  Nick Massey: going
• 28:40
  Nick Massey: to
• 28:40
  Nick Massey: give
• 28:40
  Nick Massey: you
• 28:40
  Nick Massey: a
• 28:40
  Nick Massey: million
• 28:41
  Nick Massey: dollars
• 28:41
  Nick Massey: in
• 28:41
  Nick Massey: liability
• 28:42
  Nick Massey: coverage.
• 28:43
  Nick Massey: Yes,
• 28:44
  Nick Massey: but
• 28:44
  Nick Massey: you
• 28:44
  Nick Massey: need
• 28:45
  Nick Massey: to
• 28:45
  Nick Massey: do
• 28:45
  Nick Massey: X,
• 28:45
  Nick Massey: Y
• 28:45
  Nick Massey: and
• 28:45
  Nick Massey: Z
• 28:45
  Nick Massey: for
• 28:46
  Nick Massey: us
• 28:46
  Nick Massey: so
• 28:46
  Nick Massey: we
• 28:46
  Nick Massey: can
• 28:47
  Nick Massey: defend
• 28:47
  Nick Massey: you
• 28:48
  Nick Massey: in
• 28:48
  Nick Massey: the
• 28:48
  Nick Massey: event
• 28:48
  Nick Massey: somebody
• 28:49
  Nick Massey: sues
• 28:49
  Nick Massey: you
• 28:49
  Nick Massey: over
• 28:49
  Nick Massey: that,
• 28:50
  Nick Massey: right?
• 28:50
  Nick Massey: So
• 28:51
  Nick Massey: if
• 28:51
  Nick Massey: you're
• 28:51
  Nick Massey: offering
• 28:51
  Nick Massey: a
• 28:51
  Nick Massey: bicycle,
• 28:52
  Nick Massey: we
• 28:52
  Nick Massey: ask
• 28:53
  Nick Massey: that
• 28:53
  Nick Massey: you
• 28:53
  Nick Massey: you
• 28:53
  Nick Massey: need
• 28:54
  Nick Massey: to
• 28:54
  Nick Massey: have
• 28:54
  Nick Massey: helmets.
• 28:54
  Nick Massey: Yes.
• 28:54
  Nick Massey: Okay.
• 28:55
  Nick Massey: You
• 28:55
  Nick Massey: need
• 28:55
  Nick Massey: to
• 28:55
  Nick Massey: do
• 28:55
  Nick Massey: post
• 28:56
  Nick Massey: day
• 28:56
  Nick Massey: inspections
• 28:56
  Nick Massey: on
• 28:56
  Nick Massey: the
• 28:56
  Nick Massey: bicycle
• 28:57
  Nick Massey: to
• 28:57
  Nick Massey: make
• 28:57
  Nick Massey: sure
• 28:57
  Nick Massey: that
• 28:58
  Nick Massey: it's
• 28:58
  Nick Massey: not
• 28:59
  Nick Massey: um,
• 28:59
  Nick Massey: you
• 28:59
  Nick Massey: know,
• 28:59
  Nick Massey: the
• 28:59
  Nick Massey: handlebars
• 29:00
  Nick Massey: aren't
• 29:00
  Nick Massey: loose,
• 29:01
  Nick Massey: it's
• 29:01
  Nick Massey: not
• 29:01
  Nick Massey: missing
• 29:01
  Nick Massey: spokes
• 29:02
  Nick Massey: on
• 29:02
  Nick Massey: the
• 29:02
  Nick Massey: tire,
• 29:02
  Nick Massey: the
• 29:02
  Nick Massey: seat
• 29:03
  Nick Massey: isn't
• 29:03
  Nick Massey: ripped,
• 29:03
  Nick Massey: the
• 29:03
  Nick Massey: chain
• 29:04
  Nick Massey: isn't
• 29:04
  Nick Massey: broken,
• 29:04
  Nick Massey: you
• 29:04
  Nick Massey: know,
• 29:05
  Nick Massey: and
• 29:05
  Nick Massey: it's
• 29:05
  Nick Massey: safe
• 29:05
  Nick Massey: for
• 29:05
  Nick Massey: somebody
• 29:06
  Nick Massey: to
• 29:06
  Nick Massey: use.
• 29:07
  Nick Massey: And
• 29:07
  Nick Massey: then
• 29:07
  Nick Massey: you
• 29:07
  Nick Massey: need
• 29:07
  Nick Massey: to
• 29:07
  Nick Massey: have
• 29:07
  Nick Massey: a
• 29:07
  Nick Massey: general
• 29:08
  Nick Massey: waiver
• 29:08
  Nick Massey: of
• 29:08
  Nick Massey: liability
• 29:09
  Nick Massey: or
• 29:09
  Nick Massey: use
• 29:09
  Nick Massey: it
• 29:09
  Nick Massey: your
• 29:10
  Nick Massey: own
• 29:10
  Nick Massey: risk
• 29:10
  Nick Massey: language
• 29:10
  Nick Massey: in
• 29:10
  Nick Massey: the
• 29:11
  Nick Massey: rental
• 29:11
  Nick Massey: agreement
• 29:11
  Nick Massey: or
• 29:11
  Nick Massey: house
• 29:12
  Nick Massey: rules
• 29:12
  Nick Massey: via
• 29:13
  Nick Massey: the
• 29:13
  Nick Massey: OTA.
• 29:14
  Nick Massey: Uh,
• 29:14
  Nick Massey: because
• 29:14
  Nick Massey: what
• 29:14
  Nick Massey: that
• 29:14
  Nick Massey: does
• 29:15
  Nick Massey: is
• 29:15
  Nick Massey: it
• 29:15
  Nick Massey: gives
• 29:15
  Nick Massey: our
• 29:15
  Nick Massey: liability
• 29:16
  Nick Massey: adjuster
• 29:16
  Nick Massey: a
• 29:17
  Nick Massey: platform
• 29:17
  Nick Massey: of
• 29:17
  Nick Massey: defensibility
• 29:18
  Nick Massey: to
• 29:18
  Nick Massey: stand
• 29:19
  Nick Massey: on.
• 29:19
  Nick Massey: If
• 29:19
  Nick Massey: we
• 29:19
  Nick Massey: don't
• 29:19
  Nick Massey: have
• 29:20
  Nick Massey: a
• 29:20
  Nick Massey: platform
• 29:20
  Nick Massey: of
• 29:20
  Nick Massey: defensibility,
• 29:21
  Nick Massey: We
• 29:21
  Nick Massey: either
• 29:22
  Nick Massey: don't
• 29:22
  Nick Massey: want
• 29:22
  Nick Massey: to
• 29:22
  Nick Massey: take
• 29:22
  Nick Massey: on
• 29:23
  Nick Massey: the
• 29:23
  Nick Massey: risk,
• 29:23
  Nick Massey: or
• 29:24
  Nick Massey: it's
• 29:24
  Nick Massey: just
• 29:24
  Nick Massey: going
• 29:24
  Nick Massey: to
• 29:24
  Nick Massey: be
• 29:24
  Nick Massey: a
• 29:24
  Nick Massey: million
• 29:25
  Nick Massey: dollar
• 29:25
  Nick Massey: lawsuit
• 29:25
  Nick Massey: every
• 29:26
  Nick Massey: time,
• 29:26
  Nick Massey: and
• 29:26
  Nick Massey: then
• 29:27
  Nick Massey: we
• 29:27
  Nick Massey: really
• 29:27
  Nick Massey: should
• 29:28
  Nick Massey: be
• 29:28
  Nick Massey: charging
• 29:28
  Nick Massey: quadruple
• 29:29
  Nick Massey: what
• 29:29
  Nick Massey: we're
• 29:29
  Nick Massey: providing
• 29:30
  Nick Massey: if
• 29:30
  Nick Massey: we,
• 29:30
  Nick Massey: um,
• 29:31
  Nick Massey: if
• 29:31
  Nick Massey: we
• 29:32
  Nick Massey: weren't
• 29:32
  Nick Massey: asking
• 29:32
  Nick Massey: for
• 29:32
  Nick Massey: these
• 29:32
  Nick Massey: things
• 29:33
  Nick Massey: to
• 29:33
  Nick Massey: be
• 29:33
  Nick Massey: put
• 29:33
  Nick Massey: in
• 29:33
  Nick Massey: place.
• 29:34
  Nick Massey: Uh,
• 29:34
  Nick Massey: swimming
• 29:34
  Nick Massey: pools,
• 29:34
  Nick Massey: it's
• 29:35
  Nick Massey: depth
• 29:35
  Nick Massey: markers,
• 29:36
  Nick Massey: it's
• 29:36
  Nick Massey: swim
• 29:36
  Nick Massey: at
• 29:36
  Nick Massey: your
• 29:36
  Nick Massey: own
• 29:36
  Nick Massey: risk
• 29:37
  Nick Massey: signs,
• 29:37
  Nick Massey: it's
• 29:38
  Nick Massey: non
• 29:38
  Nick Massey: inflatable
• 29:40
  Nick Massey: pool
• 29:40
  Nick Massey: equipment.
• 29:42
  Nick Massey: Right?
• 29:42
  Nick Massey: So,
• 29:43
  Nick Massey: you
• 29:43
  Nick Massey: should
• 29:43
  Nick Massey: have
• 29:43
  Nick Massey: life
• 29:43
  Nick Massey: jackets,
• 29:44
  Nick Massey: Coast
• 29:44
  Nick Massey: Guard
• 29:44
  Nick Massey: certified
• 29:45
  Nick Massey: thing,
• 29:45
  Nick Massey: same
• 29:45
  Nick Massey: with
• 29:45
  Nick Massey: canoes
• 29:46
  Nick Massey: and
• 29:46
  Nick Massey: kayaks,
• 29:46
  Nick Massey: non
• 29:47
  Nick Massey: inflatable.
• 29:48
  Nick Massey: Um,
• 29:49
  Nick Massey: there's
• 29:49
  Nick Massey: this
• 29:50
  Nick Massey: rule
• 29:50
  Nick Massey: in,
• 29:50
  Nick Massey: in
• 29:50
  Nick Massey: liability
• 29:51
  Nick Massey: in,
• 29:52
  Nick Massey: in
• 29:52
  Nick Massey: the
• 29:52
  Nick Massey: legal
• 29:52
  Nick Massey: side
• 29:53
  Nick Massey: called
• 29:53
  Nick Massey: inherent
• 29:53
  Nick Massey: risk.
• 29:54
  Nick Massey: Is
• 29:55
  Nick Massey: something
• 29:55
  Nick Massey: an
• 29:55
  Nick Massey: inherent
• 29:56
  Nick Massey: risk
• 29:56
  Nick Massey: or
• 29:56
  Nick Massey: not?
• 29:57
  Nick Massey: Well,
• 29:58
  Nick Massey: a
• 29:58
  Nick Massey: hard
• 29:58
  Nick Massey: sided
• 29:58
  Nick Massey: canoe
• 29:59
  Nick Massey: or
• 29:59
  Nick Massey: kayak
• 30:00
  Nick Massey: or
• 30:00
  Nick Massey: a
• 30:00
  Nick Massey: bicycle
• 30:00
  Nick Massey: falls
• 30:01
  Nick Massey: under
• 30:01
  Nick Massey: the
• 30:02
  Nick Massey: kind
• 30:02
  Nick Massey: of
• 30:02
  Nick Massey: guise
• 30:02
  Nick Massey: of
• 30:02
  Nick Massey: inherent
• 30:03
  Nick Massey: risk.
• 30:03
  Nick Massey: The
• 30:03
  Nick Massey: general
• 30:04
  Nick Massey: public
• 30:05
  Nick Massey: knows
• 30:05
  Nick Massey: how
• 30:05
  Nick Massey: to
• 30:05
  Nick Massey: use
• 30:05
  Nick Massey: and
• 30:05
  Nick Massey: operate
• 30:06
  Nick Massey: those.
• 30:07
  Nick Massey: The
• 30:07
  Nick Massey: general
• 30:07
  Nick Massey: public
• 30:08
  Nick Massey: doesn't
• 30:08
  Nick Massey: know
• 30:09
  Nick Massey: how
• 30:09
  Nick Massey: to
• 30:09
  Nick Massey: use
• 30:09
  Nick Massey: and
• 30:09
  Nick Massey: operate
• 30:10
  Nick Massey: a
• 30:10
  Nick Massey: 2,
• 30:12
  Nick Massey: 500
• 30:12
  Nick Massey: inflatable
• 30:13
  Nick Massey: triple
• 30:13
  Nick Massey: chambered
• 30:13
  Nick Massey: canoe.
• 30:14
  Nick Massey: Because
• 30:14
  Nick Massey: what
• 30:15
  Nick Massey: happens
• 30:15
  Nick Massey: if
• 30:15
  Nick Massey: one
• 30:15
  Nick Massey: of
• 30:15
  Nick Massey: those
• 30:15
  Nick Massey: chambers
• 30:16
  Nick Massey: has
• 30:16
  Nick Massey: a
• 30:16
  Nick Massey: leak?
• 30:17
  Nick Massey: Now,
• 30:17
  Nick Massey: here
• 30:17
  Nick Massey: in
• 30:17
  Nick Massey: Montana,
• 30:18
  Nick Massey: everybody
• 30:18
  Nick Massey: has
• 30:18
  Nick Massey: inflatable
• 30:19
  Nick Massey: rafts
• 30:19
  Nick Massey: for
• 30:19
  Nick Massey: the
• 30:19
  Nick Massey: most
• 30:19
  Nick Massey: part.
• 30:20
  Nick Massey: We
• 30:20
  Nick Massey: all
• 30:20
  Nick Massey: know
• 30:20
  Nick Massey: how
• 30:20
  Nick Massey: to
• 30:20
  Nick Massey: use
• 30:21
  Nick Massey: them.
• 30:21
  Nick Massey: But
• 30:22
  Nick Massey: not
• 30:22
  Nick Massey: everybody
• 30:23
  Nick Massey: knows
• 30:23
  Nick Massey: or
• 30:23
  Nick Massey: understand
• 30:23
  Nick Massey: like
• 30:24
  Nick Massey: Saranet,
• 30:24
  Nick Massey: I
• 30:24
  Nick Massey: don't
• 30:25
  Nick Massey: think
• 30:25
  Nick Massey: you
• 30:25
  Nick Massey: would
• 30:25
  Nick Massey: come
• 30:26
  Nick Massey: and
• 30:26
  Nick Massey: pick
• 30:26
  Nick Massey: up
• 30:26
  Nick Massey: the
• 30:26
  Nick Massey: raft
• 30:27
  Nick Massey: out
• 30:27
  Nick Massey: of
• 30:27
  Nick Massey: my
• 30:27
  Nick Massey: garage
• 30:28
  Nick Massey: and
• 30:28
  Nick Massey: say,
• 30:28
  Nick Massey: I
• 30:29
  Nick Massey: know
• 30:29
  Nick Massey: how
• 30:29
  Nick Massey: to
• 30:29
  Nick Massey: operate
• 30:29
  Nick Massey: this
• 30:30
  Nick Massey: thing.
• 30:30
  Nick Massey: Uh,
• 30:31
  Nick Massey: so,
• 30:32
  Nick Massey: you
• 30:32
  Nick Massey: know,
• 30:32
  Nick Massey: that's
• 30:32
  Nick Massey: another
• 30:33
  Nick Massey: kind
• 30:33
  Nick Massey: of
• 30:33
  Nick Massey: pro
• 30:33
  Nick Massey: tip
• 30:33
  Nick Massey: is,
• 30:34
  Nick Massey: is
• 30:34
  Nick Massey: inherent
• 30:34
  Nick Massey: risk.
• 30:35
  Nick Massey: What
• 30:35
  Nick Massey: is
• 30:35
  Nick Massey: an
• 30:35
  Nick Massey: inherent
• 30:36
  Nick Massey: risk?
• 30:36
  Nick Massey: What
• 30:36
  Nick Massey: is
• 30:36
  Nick Massey: not?
• 30:37
  Nick Massey: Is
• 30:37
  Nick Massey: a
• 30:37
  Nick Massey: zip
• 30:37
  Nick Massey: line
• 30:37
  Nick Massey: an
• 30:37
  Nick Massey: inherent
• 30:38
  Nick Massey: risk?
• 30:38
  Nick Massey: Does
• 30:38
  Nick Massey: everybody
• 30:39
  Nick Massey: have
• 30:39
  Nick Massey: a
• 30:39
  Nick Massey: zip
• 30:39
  Nick Massey: line
• 30:39
  Nick Massey: at
• 30:39
  Nick Massey: their
• 30:40
  Nick Massey: property?
• 30:41
  Nick Massey: No.
• 30:41
  Nick Massey: They
• 30:42
  Nick Massey: don't.
• 30:43
  Nick Massey: Uh,
• 30:43
  Nick Massey: so
• 30:44
  Nick Massey: again,
• 30:44
  Nick Massey: that's
• 30:44
  Nick Massey: another
• 30:45
  Nick Massey: thing
• 30:45
  Nick Massey: to
• 30:45
  Nick Massey: kind
• 30:45
  Nick Massey: of
• 30:45
  Nick Massey: think
• 30:45
  Nick Massey: about,
• 30:46
  Nick Massey: uh,
• 30:46
  Nick Massey: about
• 30:47
  Nick Massey: getting
• 30:47
  Nick Massey: rid
• 30:47
  Nick Massey: of
• 30:48
  Nick Massey: anything
• 30:48
  Nick Massey: that's
• 30:48
  Nick Massey: semi
• 30:49
  Nick Massey: out
• 30:49
  Nick Massey: of
• 30:49
  Nick Massey: the
• 30:49
  Nick Massey: norm.
• 30:50
  Nick Massey: That
• 30:50
  Nick Massey: would
• 30:50
  Nick Massey: be
• 30:50
  Nick Massey: an
• 30:50
  Nick Massey: acceptable
• 30:51
  Nick Massey: amenity.
• 30:51
  Nick Massey: Not
• 30:51
  Nick Massey: everybody
• 30:52
  Nick Massey: has
• 30:52
  Nick Massey: a
• 30:52
  Nick Massey: sauna
• 30:52
  Nick Massey: or
• 30:53
  Nick Massey: knows
• 30:53
  Nick Massey: how
• 30:53
  Nick Massey: to
• 30:53
  Nick Massey: understand
• 30:53
  Nick Massey: those
• 30:54
  Nick Massey: should
• 30:54
  Nick Massey: have
• 30:54
  Nick Massey: the
• 30:55
  Nick Massey: placard
• 30:55
  Nick Massey: that
• 30:55
  Nick Massey: comes
• 30:56
  Nick Massey: from
• 30:56
  Nick Massey: consumer
• 30:57
  Nick Massey: product
• 30:57
  Nick Massey: safety
• 30:58
  Nick Massey: for
• 30:58
  Nick Massey: those
• 30:58
  Nick Massey: suppliers
• 30:59
  Nick Massey: of
• 30:59
  Nick Massey: the
• 30:59
  Nick Massey: saunas.
• 31:00
  Nick Massey: It
• 31:00
  Nick Massey: needs
• 31:00
  Nick Massey: to
• 31:00
  Nick Massey: be
• 31:01
  Nick Massey: posted
• 31:02
  Nick Massey: on
• 31:02
  Nick Massey: how
• 31:02
  Nick Massey: to
• 31:02
  Nick Massey: operate
• 31:02
  Nick Massey: it.
• 31:03
  Nick Massey: All
• 31:03
  Nick Massey: right,
• 31:04
  Nick Massey: so
• 31:04
  Nick Massey: we
• 31:04
  Nick Massey: we
• 31:04
  Nick Massey: do
• 31:05
  Nick Massey: ask
• 31:05
  Nick Massey: and
• 31:05
  Nick Massey: require
• 31:05
  Nick Massey: those
• 31:05
  Nick Massey: same
• 31:06
  Nick Massey: thing
• 31:06
  Nick Massey: with
• 31:06
  Nick Massey: bunk
• 31:06
  Nick Massey: beds
• 31:07
  Nick Massey: again.
• 31:07
  Nick Massey: Bunk
• 31:08
  Nick Massey: beds
• 31:08
  Nick Massey: is
• 31:08
  Nick Massey: not
• 31:09
  Nick Massey: something
• 31:09
  Nick Massey: that
• 31:09
  Nick Massey: everybody
• 31:09
  Nick Massey: has.
• 31:10
  Nick Massey: Mhm.
• 31:10
  Nick Massey: But
• 31:10
  Nick Massey: consumer
• 31:11
  Nick Massey: product
• 31:11
  Nick Massey: safety
• 31:12
  Nick Massey: requires
• 31:13
  Nick Massey: manufacturers
• 31:14
  Nick Massey: to
• 31:14
  Nick Massey: put
• 31:14
  Nick Massey: a
• 31:14
  Nick Massey: placard
• 31:14
  Nick Massey: on.
• 31:15
  Nick Massey: If
• 31:15
  Nick Massey: you're
• 31:16
  Nick Massey: custom
• 31:16
  Nick Massey: building
• 31:16
  Nick Massey: a
• 31:17
  Nick Massey: house
• 31:17
  Nick Massey: and
• 31:17
  Nick Massey: you
• 31:17
  Nick Massey: have
• 31:17
  Nick Massey: a
• 31:17
  Nick Massey: contractor
• 31:18
  Nick Massey: custom
• 31:19
  Nick Massey: build
• 31:19
  Nick Massey: bunk
• 31:20
  Nick Massey: beds,
• 31:20
  Nick Massey: they
• 31:20
  Nick Massey: need
• 31:21
  Nick Massey: to
• 31:21
  Nick Massey: be
• 31:21
  Nick Massey: built
• 31:22
  Nick Massey: to
• 31:22
  Nick Massey: the
• 31:22
  Nick Massey: consumer
• 31:22
  Nick Massey: product
• 31:23
  Nick Massey: safety
• 31:23
  Nick Massey: specifications.
• 31:25
  Nick Massey: They
• 31:25
  Nick Massey: need
• 31:25
  Nick Massey: to
• 31:25
  Nick Massey: have
• 31:25
  Nick Massey: an
• 31:26
  Nick Massey: affixed
• 31:26
  Nick Massey: handrail,
• 31:27
  Nick Massey: a
• 31:27
  Nick Massey: ladder,
• 31:28
  Nick Massey: excuse
• 31:28
  Nick Massey: me.
• 31:28
  Nick Massey: They
• 31:28
  Nick Massey: need
• 31:29
  Nick Massey: to
• 31:29
  Nick Massey: have
• 31:30
  Nick Massey: a
• 31:30
  Nick Massey: minimum
• 31:31
  Nick Massey: four
• 31:31
  Nick Massey: to
• 31:31
  Nick Massey: five
• 31:31
  Nick Massey: inches
• 31:32
  Nick Massey: between
• 31:32
  Nick Massey: mattress
• 31:33
  Nick Massey: to
• 31:33
  Nick Massey: top
• 31:33
  Nick Massey: of
• 31:33
  Nick Massey: the
• 31:33
  Nick Massey: top
• 31:34
  Nick Massey: bunk
• 31:34
  Nick Massey: railing.
• 31:35
  Nick Massey: Right,
• 31:36
  Nick Massey: uh,
• 31:36
  Nick Massey: and
• 31:36
  Nick Massey: then
• 31:36
  Nick Massey: you
• 31:37
  Nick Massey: should
• 31:37
  Nick Massey: just
• 31:37
  Nick Massey: look
• 31:37
  Nick Massey: up
• 31:37
  Nick Massey: the
• 31:38
  Nick Massey: consumer
• 31:38
  Nick Massey: product
• 31:39
  Nick Massey: safety
• 31:39
  Nick Massey: requirements
• 31:40
  Nick Massey: and
• 31:40
  Nick Massey: write
• 31:41
  Nick Massey: up
• 31:41
  Nick Massey: a
• 31:41
  Nick Massey: little
• 31:42
  Nick Massey: placard
• 31:42
  Nick Massey: or
• 31:43
  Nick Massey: order
• 31:43
  Nick Massey: one
• 31:43
  Nick Massey: on
• 31:43
  Nick Massey: Amazon
• 31:44
  Nick Massey: and
• 31:44
  Nick Massey: put
• 31:44
  Nick Massey: it
• 31:44
  Nick Massey: on
• 31:44
  Nick Massey: there.
• 31:45
  Nick Massey: That's
• 31:45
  Nick Massey: going
• 31:45
  Nick Massey: to
• 31:46
  Nick Massey: help
• 31:46
  Nick Massey: the
• 31:46
  Nick Massey: defensibility
• 31:47
  Nick Massey: in
• 31:47
  Nick Massey: the
• 31:47
  Nick Massey: event
• 31:47
  Nick Massey: of
• 31:47
  Nick Massey: a
• 31:47
  Nick Massey: lawsuit.
• 31:49
  Annette Grant: I
• 31:49
  Annette Grant: like
• 31:49
  Annette Grant: that,
• 31:49
  Annette Grant: that,
• 31:50
  Annette Grant: a
• 31:50
  Annette Grant: term
• 31:50
  Annette Grant: that
• 31:50
  Annette Grant: I've
• 31:50
  Annette Grant: learned
• 31:51
  Annette Grant: today
• 31:51
  Annette Grant: is
• 31:51
  Annette Grant: a
• 31:51
  Annette Grant: platform
• 31:52
  Annette Grant: for
• 31:52
  Annette Grant: defensibility.
• 31:53
  Annette Grant: So
• 31:53
  Annette Grant: it's
• 31:53
  Annette Grant: like
• 31:54
  Annette Grant: help,
• 31:54
  Annette Grant: help
• 31:54
  Annette Grant: who's
• 31:55
  Annette Grant: ever
• 31:55
  Annette Grant: going
• 31:55
  Annette Grant: to
• 31:55
  Annette Grant: be
• 31:56
  Annette Grant: helping
• 31:56
  Annette Grant: you
• 31:56
  Annette Grant: in
• 31:57
  Annette Grant: a
• 31:57
  Annette Grant: claim
• 31:57
  Annette Grant: or
• 31:57
  Annette Grant: lawsuit.
• 31:58
  Annette Grant: You've
• 31:58
  Annette Grant: got
• 31:58
  Annette Grant: to
• 31:59
  Annette Grant: give
• 31:59
  Annette Grant: them.
• 31:59
  Annette Grant: Something
• 32:00
  Annette Grant: that
• 32:00
  Annette Grant: the
• 32:00
  Annette Grant: platform
• 32:01
  Annette Grant: of
• 32:01
  Annette Grant: defensible.
• 32:01
  Annette Grant: It's
• 32:02
  Annette Grant: like
• 32:02
  Annette Grant: thinking
• 32:02
  Annette Grant: ahead
• 32:02
  Annette Grant: of
• 32:02
  Annette Grant: time
• 32:03
  Annette Grant: of
• 32:03
  Annette Grant: what
• 32:03
  Annette Grant: could
• 32:03
  Annette Grant: potentially
• 32:04
  Annette Grant: happen.
• 32:04
  Annette Grant: And
• 32:04
  Annette Grant: where
• 32:04
  Annette Grant: in
• 32:04
  Annette Grant: my
• 32:05
  Annette Grant: listing
• 32:06
  Annette Grant: am
• 32:06
  Annette Grant: I
• 32:06
  Annette Grant: protecting
• 32:07
  Annette Grant: myself
• 32:07
  Annette Grant: ahead
• 32:08
  Annette Grant: ahead
• 32:08
  Annette Grant: of
• 32:09
  Annette Grant: time?
• 32:09
  Annette Grant: How?
• 32:10
  Annette Grant: How
• 32:10
  Annette Grant: can
• 32:10
  Annette Grant: proper
• 32:11
  Annette Grant: help
• 32:11
  Annette Grant: with
• 32:11
  Annette Grant: that,
• 32:12
  Annette Grant: though?
• 32:12
  Annette Grant: Like,
• 32:12
  Annette Grant: I
• 32:13
  Annette Grant: know
• 32:13
  Annette Grant: you're
• 32:13
  Annette Grant: looking
• 32:13
  Annette Grant: at
• 32:15
  Annette Grant: it.
• 32:15
  Annette Grant: Maybe
• 32:15
  Annette Grant: you
• 32:15
  Annette Grant: don't.
• 32:15
  Annette Grant: But
• 32:16
  Annette Grant: I
• 32:16
  Annette Grant: know
• 32:16
  Annette Grant: you're
• 32:16
  Annette Grant: looking
• 32:16
  Annette Grant: at
• 32:17
  Annette Grant: policies
• 32:18
  Annette Grant: and
• 32:18
  Annette Grant: doing
• 32:18
  Annette Grant: policy
• 32:18
  Annette Grant: comparison.
• 32:20
  Annette Grant: But
• 32:20
  Annette Grant: as
• 32:20
  Annette Grant: host,
• 32:21
  Annette Grant: when
• 32:21
  Annette Grant: we
• 32:21
  Annette Grant: go
• 32:21
  Annette Grant: to
• 32:21
  Annette Grant: list
• 32:22
  Annette Grant: on
• 32:22
  Annette Grant: the
• 32:22
  Annette Grant: O.
• 32:22
  Annette Grant: T.
• 32:23
  Annette Grant: A.
• 32:23
  Annette Grant: S.
• 32:24
  Annette Grant: How
• 32:25
  Annette Grant: are,
• 32:25
  Annette Grant: I
• 32:26
  Annette Grant: don't
• 32:26
  Annette Grant: know
• 32:26
  Annette Grant: if
• 32:26
  Annette Grant: you
• 32:26
  Annette Grant: can
• 32:26
  Annette Grant: even
• 32:27
  Annette Grant: help
• 32:27
  Annette Grant: with
• 32:27
  Annette Grant: this,
• 32:27
  Annette Grant: but
• 32:27
  Annette Grant: how
• 32:27
  Annette Grant: can
• 32:27
  Annette Grant: we
• 32:28
  Annette Grant: protect
• 32:28
  Annette Grant: ourselves
• 32:30
  Annette Grant: just
• 32:30
  Annette Grant: via
• 32:30
  Annette Grant: the
• 32:30
  Annette Grant: way
• 32:31
  Annette Grant: that
• 32:31
  Annette Grant: we
• 32:31
  Annette Grant: are
• 32:32
  Annette Grant: presenting
• 32:32
  Annette Grant: ourselves
• 32:33
  Annette Grant: on
• 32:33
  Annette Grant: the
• 32:33
  Annette Grant: OTAs?
• 32:34
  Annette Grant: What
• 32:34
  Annette Grant: do
• 32:34
  Annette Grant: you
• 32:34
  Annette Grant: see
• 32:35
  Annette Grant: a
• 32:35
  Annette Grant: lot
• 32:35
  Annette Grant: of
• 32:35
  Annette Grant: hosts
• 32:35
  Annette Grant: miss
• 32:36
  Annette Grant: in
• 32:36
  Annette Grant: the
• 32:36
  Annette Grant: way
• 32:37
  Annette Grant: that
• 32:37
  Annette Grant: they're
• 32:37
  Annette Grant: presenting,
• 32:38
  Annette Grant: um,
• 32:38
  Annette Grant: and
• 32:38
  Annette Grant: marketing
• 32:39
  Annette Grant: their
• 32:39
  Annette Grant: properties
• 32:39
  Annette Grant: online?
• 32:41
  Nick Massey: So
• 32:42
  Nick Massey: where
• 32:43
  Nick Massey: we
• 32:43
  Nick Massey: see
• 32:43
  Nick Massey: folks
• 32:44
  Nick Massey: miss
• 32:44
  Nick Massey: is,
• 32:44
  Nick Massey: is
• 32:45
  Nick Massey: nondisclosure
• 32:47
  Nick Massey: of
• 32:47
  Nick Massey: possible
• 32:48
  Nick Massey: risk
• 32:48
  Nick Massey: at
• 32:48
  Nick Massey: the
• 32:48
  Nick Massey: property.
• 32:50
  Nick Massey: And
• 32:50
  Nick Massey: then
• 32:50
  Nick Massey: that
• 32:51
  Nick Massey: has
• 32:52
  Nick Massey: two
• 32:52
  Nick Massey: problems.
• 32:53
  Nick Massey: One
• 32:53
  Nick Massey: has
• 32:53
  Nick Massey: a
• 32:53
  Nick Massey: problem
• 32:53
  Nick Massey: for
• 32:54
  Nick Massey: us
• 32:54
  Nick Massey: who's
• 32:54
  Nick Massey: underwriting
• 32:55
  Nick Massey: the
• 32:55
  Nick Massey: property
• 32:55
  Nick Massey: and
• 32:55
  Nick Massey: our
• 32:56
  Nick Massey: job
• 32:56
  Nick Massey: when
• 32:56
  Nick Massey: you
• 32:56
  Nick Massey: become
• 32:56
  Nick Massey: a
• 32:56
  Nick Massey: client.
• 32:57
  Nick Massey: You've
• 32:58
  Nick Massey: not
• 32:58
  Nick Massey: just
• 32:58
  Nick Massey: bought
• 32:58
  Nick Massey: an
• 32:58
  Nick Massey: insurance
• 32:59
  Nick Massey: policy,
• 32:59
  Nick Massey: you've
• 32:59
  Nick Massey: hired
• 33:00
  Nick Massey: us
• 33:00
  Nick Massey: as
• 33:00
  Nick Massey: your
• 33:00
  Nick Massey: risk
• 33:00
  Nick Massey: manager.
• 33:01
  Nick Massey: So,
• 33:02
  Nick Massey: we're
• 33:02
  Nick Massey: gonna
• 33:02
  Nick Massey: look
• 33:03
  Nick Massey: through,
• 33:03
  Nick Massey: we
• 33:03
  Nick Massey: look
• 33:03
  Nick Massey: at
• 33:03
  Nick Massey: your
• 33:04
  Nick Massey: listing
• 33:05
  Nick Massey: through
• 33:05
  Nick Massey: and
• 33:05
  Nick Massey: through.
• 33:06
  Nick Massey: All
• 33:06
  Nick Massey: of
• 33:06
  Nick Massey: your
• 33:06
  Nick Massey: reviews,
• 33:07
  Nick Massey: we
• 33:08
  Nick Massey: look
• 33:08
  Nick Massey: at
• 33:08
  Nick Massey: all
• 33:08
  Nick Massey: of
• 33:08
  Nick Massey: your
• 33:09
  Nick Massey: photos,
• 33:09
  Nick Massey: we
• 33:09
  Nick Massey: look
• 33:09
  Nick Massey: at
• 33:10
  Nick Massey: how
• 33:10
  Nick Massey: you
• 33:10
  Nick Massey: advertise
• 33:11
  Nick Massey: everything.
• 33:12
  Nick Massey: What
• 33:12
  Nick Massey: the
• 33:13
  Nick Massey: geographic,
• 33:13
  Nick Massey: like
• 33:13
  Nick Massey: around
• 33:14
  Nick Massey: the
• 33:14
  Nick Massey: area
• 33:15
  Nick Massey: geographically,
• 33:15
  Nick Massey: what
• 33:16
  Nick Massey: does
• 33:16
  Nick Massey: it
• 33:16
  Nick Massey: look
• 33:16
  Nick Massey: like
• 33:17
  Nick Massey: so
• 33:17
  Nick Massey: that
• 33:17
  Nick Massey: we
• 33:17
  Nick Massey: can
• 33:17
  Nick Massey: help
• 33:18
  Nick Massey: present
• 33:18
  Nick Massey: you
• 33:18
  Nick Massey: with
• 33:18
  Nick Massey: things
• 33:19
  Nick Massey: that
• 33:19
  Nick Massey: you
• 33:19
  Nick Massey: may
• 33:19
  Nick Massey: need
• 33:20
  Nick Massey: to
• 33:20
  Nick Massey: do,
• 33:20
  Nick Massey: again,
• 33:20
  Nick Massey: to
• 33:21
  Nick Massey: give
• 33:21
  Nick Massey: us
• 33:21
  Nick Massey: that
• 33:21
  Nick Massey: platform
• 33:21
  Nick Massey: of
• 33:22
  Nick Massey: defensibility
• 33:22
  Nick Massey: in
• 33:23
  Nick Massey: the
• 33:23
  Nick Massey: event
• 33:23
  Nick Massey: of
• 33:23
  Nick Massey: a
• 33:23
  Nick Massey: liability
• 33:24
  Nick Massey: claim.
• 33:24
  Nick Massey: So,
• 33:25
  Nick Massey: uh,
• 33:25
  Nick Massey: we
• 33:26
  Nick Massey: just
• 33:26
  Nick Massey: had
• 33:26
  Nick Massey: a
• 33:26
  Nick Massey: situation
• 33:27
  Nick Massey: where
• 33:27
  Nick Massey: a
• 33:27
  Nick Massey: gentleman
• 33:27
  Nick Massey: has
• 33:28
  Nick Massey: a
• 33:28
  Nick Massey: very
• 33:28
  Nick Massey: unique
• 33:29
  Nick Massey: property.
• 33:30
  Nick Massey: Um,
• 33:31
  Nick Massey: it
• 33:31
  Nick Massey: is
• 33:31
  Nick Massey: constructed
• 33:31
  Nick Massey: and
• 33:32
  Nick Massey: engineered
• 33:32
  Nick Massey: well.
• 33:33
  Nick Massey: However,
• 33:34
  Nick Massey: upon
• 33:34
  Nick Massey: reading
• 33:34
  Nick Massey: the
• 33:34
  Nick Massey: reviews,
• 33:35
  Nick Massey: um,
• 33:36
  Nick Massey: There
• 33:37
  Nick Massey: was
• 33:37
  Nick Massey: a
• 33:37
  Nick Massey: a
• 33:37
  Nick Massey: portion
• 33:38
  Nick Massey: of
• 33:38
  Nick Massey: the
• 33:38
  Nick Massey: property
• 33:38
  Nick Massey: and
• 33:39
  Nick Massey: just
• 33:39
  Nick Massey: in
• 33:39
  Nick Massey: the
• 33:39
  Nick Massey: event
• 33:39
  Nick Massey: that
• 33:40
  Nick Massey: uh,
• 33:40
  Nick Massey: that
• 33:40
  Nick Massey: client's
• 33:40
  Nick Massey: a
• 33:40
  Nick Massey: listener
• 33:41
  Nick Massey: I
• 33:41
  Nick Massey: don't
• 33:41
  Nick Massey: want
• 33:41
  Nick Massey: to
• 33:41
  Nick Massey: get
• 33:41
  Nick Massey: too
• 33:41
  Nick Massey: into
• 33:42
  Nick Massey: the
• 33:42
  Nick Massey: details,
• 33:42
  Nick Massey: but
• 33:43
  Nick Massey: there
• 33:43
  Nick Massey: was
• 33:43
  Nick Massey: something
• 33:43
  Nick Massey: that
• 33:43
  Nick Massey: we
• 33:44
  Nick Massey: saw
• 33:44
  Nick Massey: that
• 33:44
  Nick Massey: we
• 33:44
  Nick Massey: just
• 33:44
  Nick Massey: didn't
• 33:45
  Nick Massey: Like,
• 33:46
  Nick Massey: that
• 33:46
  Nick Massey: it
• 33:46
  Nick Massey: would
• 33:46
  Nick Massey: become
• 33:47
  Nick Massey: very
• 33:47
  Nick Massey: difficult
• 33:48
  Nick Massey: for
• 33:48
  Nick Massey: us
• 33:48
  Nick Massey: to,
• 33:49
  Nick Massey: uh,
• 33:49
  Nick Massey: protect
• 33:50
  Nick Massey: that
• 33:50
  Nick Massey: client
• 33:50
  Nick Massey: in
• 33:50
  Nick Massey: a
• 33:50
  Nick Massey: lawsuit.
• 33:51
  Nick Massey: And
• 33:52
  Nick Massey: so
• 33:52
  Nick Massey: came
• 33:52
  Nick Massey: back
• 33:52
  Nick Massey: and,
• 33:53
  Nick Massey: you
• 33:53
  Nick Massey: know,
• 33:53
  Nick Massey: had
• 33:53
  Nick Massey: to
• 33:54
  Nick Massey: dive
• 33:54
  Nick Massey: a
• 33:54
  Nick Massey: little
• 33:54
  Nick Massey: bit
• 33:55
  Nick Massey: deeper
• 33:55
  Nick Massey: into
• 33:55
  Nick Massey: that
• 33:55
  Nick Massey: particular,
• 33:56
  Nick Massey: it's
• 33:56
  Nick Massey: not
• 33:56
  Nick Massey: really
• 33:57
  Nick Massey: an
• 33:57
  Nick Massey: amenity,
• 33:57
  Nick Massey: it's
• 33:57
  Nick Massey: kind
• 33:58
  Nick Massey: of
• 33:58
  Nick Massey: an
• 33:58
  Nick Massey: access
• 33:58
  Nick Massey: point
• 33:58
  Nick Massey: to
• 33:58
  Nick Massey: the
• 33:59
  Nick Massey: property.
• 33:59
  Nick Massey: Um,
• 34:00
  Nick Massey: and
• 34:00
  Nick Massey: how
• 34:01
  Nick Massey: it's
• 34:01
  Nick Massey: constructed,
• 34:01
  Nick Massey: how
• 34:01
  Nick Massey: it
• 34:01
  Nick Massey: was
• 34:02
  Nick Massey: engineered,
• 34:03
  Nick Massey: so
• 34:03
  Nick Massey: that
• 34:03
  Nick Massey: we
• 34:03
  Nick Massey: have
• 34:03
  Nick Massey: that
• 34:03
  Nick Massey: stuff
• 34:04
  Nick Massey: on
• 34:04
  Nick Massey: file
• 34:04
  Nick Massey: in
• 34:04
  Nick Massey: the
• 34:04
  Nick Massey: event
• 34:05
  Nick Massey: somebody
• 34:05
  Nick Massey: says
• 34:05
  Nick Massey: it
• 34:05
  Nick Massey: wasn't
• 34:06
  Nick Massey: constructed
• 34:07
  Nick Massey: correctly.
• 34:08
  Nick Massey: Uh,
• 34:08
  Nick Massey: if
• 34:08
  Nick Massey: there
• 34:08
  Nick Massey: was,
• 34:08
  Nick Massey: there
• 34:08
  Nick Massey: was
• 34:09
  Nick Massey: an
• 34:09
  Nick Massey: incident.
• 34:11
  Nick Massey: We
• 34:11
  Nick Massey: also
• 34:11
  Nick Massey: see
• 34:11
  Nick Massey: people,
• 34:12
  Nick Massey: unfortunately,
• 34:12
  Nick Massey: try
• 34:13
  Nick Massey: to
• 34:13
  Nick Massey: hide
• 34:13
  Nick Massey: some
• 34:13
  Nick Massey: things.
• 34:14
  Nick Massey: Uh,
• 34:14
  Nick Massey: there
• 34:14
  Nick Massey: was
• 34:14
  Nick Massey: a
• 34:14
  Nick Massey: situation
• 34:15
  Nick Massey: a
• 34:15
  Nick Massey: number
• 34:16
  Nick Massey: of
• 34:16
  Nick Massey: years
• 34:16
  Nick Massey: ago
• 34:16
  Nick Massey: for
• 34:16
  Nick Massey: us.
• 34:17
  Nick Massey: I
• 34:18
  Nick Massey: shouldn't
• 34:18
  Nick Massey: say
• 34:18
  Nick Massey: a
• 34:18
  Nick Massey: number.
• 34:18
  Nick Massey: It
• 34:18
  Nick Massey: was
• 34:18
  Nick Massey: like
• 34:19
  Nick Massey: two
• 34:19
  Nick Massey: years
• 34:19
  Nick Massey: ago.
• 34:20
  Nick Massey: We
• 34:20
  Nick Massey: didn't
• 34:20
  Nick Massey: know
• 34:20
  Nick Massey: that
• 34:21
  Nick Massey: this
• 34:21
  Nick Massey: property,
• 34:22
  Nick Massey: um,
• 34:22
  Nick Massey: had
• 34:23
  Nick Massey: access.
• 34:24
  Nick Massey: Basically,
• 34:24
  Nick Massey: the
• 34:24
  Nick Massey: property
• 34:25
  Nick Massey: line
• 34:25
  Nick Massey: butted
• 34:25
  Nick Massey: up
• 34:26
  Nick Massey: to
• 34:26
  Nick Massey: a
• 34:26
  Nick Massey: cliff,
• 34:26
  Nick Massey: a
• 34:27
  Nick Massey: 40
• 34:27
  Nick Massey: foot
• 34:27
  Nick Massey: drop
• 34:28
  Nick Massey: into
• 34:28
  Nick Massey: a
• 34:28
  Nick Massey: lake.
• 34:29
  Nick Massey: Um,
• 34:30
  Nick Massey: if
• 34:30
  Nick Massey: we
• 34:30
  Nick Massey: would
• 34:30
  Nick Massey: have
• 34:30
  Nick Massey: known
• 34:31
  Nick Massey: that,
• 34:31
  Nick Massey: we
• 34:31
  Nick Massey: would
• 34:31
  Nick Massey: have
• 34:31
  Nick Massey: required
• 34:32
  Nick Massey: a
• 34:32
  Nick Massey: fence
• 34:32
  Nick Massey: and
• 34:33
  Nick Massey: signage
• 34:34
  Nick Massey: and
• 34:34
  Nick Massey: illumination
• 34:35
  Nick Massey: of
• 34:35
  Nick Massey: the
• 34:35
  Nick Massey: trail
• 34:36
  Nick Massey: that
• 34:36
  Nick Massey: this
• 34:36
  Nick Massey: gentleman
• 34:37
  Nick Massey: walked
• 34:37
  Nick Massey: off
• 34:37
  Nick Massey: the
• 34:37
  Nick Massey: edge
• 34:37
  Nick Massey: of
• 34:38
  Nick Massey: at.
• 34:39
  Nick Massey: night,
• 34:40
  Nick Massey: intoxicated,
• 34:42
  Nick Massey: followed
• 34:42
  Nick Massey: the,
• 34:42
  Nick Massey: the,
• 34:43
  Nick Massey: the
• 34:43
  Nick Massey: gravel
• 34:43
  Nick Massey: path
• 34:44
  Nick Massey: and
• 34:44
  Nick Massey: it
• 34:44
  Nick Massey: just,
• 34:45
  Nick Massey: the
• 34:45
  Nick Massey: gravel
• 34:45
  Nick Massey: path
• 34:45
  Nick Massey: literally
• 34:46
  Nick Massey: stopped
• 34:46
  Nick Massey: at
• 34:46
  Nick Massey: the
• 34:46
  Nick Massey: end
• 34:46
  Nick Massey: of
• 34:46
  Nick Massey: the
• 34:46
  Nick Massey: cliff
• 34:47
  Nick Massey: and
• 34:47
  Nick Massey: they
• 34:47
  Nick Massey: fell
• 34:47
  Nick Massey: off,
• 34:47
  Nick Massey: a
• 34:48
  Nick Massey: multi
• 34:49
  Nick Massey: million
• 34:49
  Nick Massey: dollar
• 34:50
  Nick Massey: lawsuit
• 34:51
  Nick Massey: against
• 34:51
  Nick Massey: the
• 34:51
  Nick Massey: property
• 34:52
  Nick Massey: owner.
• 34:53
  Nick Massey: And
• 34:53
  Nick Massey: so
• 34:54
  Nick Massey: that
• 34:54
  Nick Massey: should
• 34:54
  Nick Massey: have
• 34:55
  Nick Massey: been
• 34:55
  Nick Massey: something
• 34:55
  Nick Massey: that
• 34:55
  Nick Massey: was
• 34:56
  Nick Massey: advised
• 34:56
  Nick Massey: and
• 34:56
  Nick Massey: disclosed
• 34:57
  Nick Massey: in,
• 34:58
  Nick Massey: in
• 34:59
  Nick Massey: the,
• 34:59
  Nick Massey: um,
• 35:00
  Nick Massey: listing.
• 35:01
  Nick Massey: Uh,
• 35:02
  Nick Massey: another
• 35:02
  Nick Massey: kind
• 35:02
  Nick Massey: of
• 35:03
  Nick Massey: pro
• 35:03
  Nick Massey: tip,
• 35:03
  Nick Massey: a
• 35:04
  Nick Massey: great,
• 35:04
  Nick Massey: a
• 35:04
  Nick Massey: great
• 35:05
  Nick Massey: attorney
• 35:05
  Nick Massey: client
• 35:06
  Nick Massey: of
• 35:06
  Nick Massey: ours
• 35:07
  Nick Massey: who
• 35:07
  Nick Massey: told
• 35:07
  Nick Massey: us.
• 35:08
  Nick Massey: I
• 35:09
  Nick Massey: cannot
• 35:09
  Nick Massey: defend
• 35:10
  Nick Massey: negligence.
• 35:11
  Nick Massey: You
• 35:11
  Nick Massey: can't
• 35:12
  Nick Massey: waive
• 35:12
  Nick Massey: negligence.
• 35:13
  Nick Massey: You
• 35:13
  Nick Massey: can't
• 35:14
  Nick Massey: protect
• 35:14
  Nick Massey: yourself
• 35:15
  Nick Massey: against
• 35:15
  Nick Massey: negligence.
• 35:16
  Nick Massey: And
• 35:16
  Nick Massey: something
• 35:17
  Nick Massey: like
• 35:17
  Nick Massey: that,
• 35:17
  Nick Massey: unfortunately,
• 35:17
  Nick Massey: is
• 35:18
  Nick Massey: negligence
• 35:18
  Nick Massey: on
• 35:18
  Nick Massey: the
• 35:18
  Nick Massey: property
• 35:19
  Nick Massey: owner.
• 35:19
  Nick Massey: It's
• 35:19
  Nick Massey: indefensible.
• 35:20
  Nick Massey: There
• 35:21
  Nick Massey: is
• 35:21
  Nick Massey: literally
• 35:21
  Nick Massey: nothing
• 35:22
  Nick Massey: anybody
• 35:22
  Nick Massey: can
• 35:22
  Nick Massey: do
• 35:23
  Nick Massey: to
• 35:23
  Nick Massey: get
• 35:23
  Nick Massey: you
• 35:23
  Nick Massey: out
• 35:23
  Nick Massey: of
• 35:23
  Nick Massey: that.
• 35:24
  Nick Massey: Um,
• 35:25
  Nick Massey: so,
• 35:26
  Nick Massey: those
• 35:26
  Nick Massey: are
• 35:26
  Nick Massey: things
• 35:26
  Nick Massey: you
• 35:27
  Nick Massey: need
• 35:27
  Nick Massey: to
• 35:27
  Nick Massey: really
• 35:27
  Nick Massey: think
• 35:27
  Nick Massey: about
• 35:28
  Nick Massey: and
• 35:28
  Nick Massey: consider.
• 35:29
  Nick Massey: I
• 35:29
  Nick Massey: strongly
• 35:30
  Nick Massey: feel
• 35:30
  Nick Massey: that
• 35:30
  Nick Massey: one
• 35:30
  Nick Massey: of
• 35:30
  Nick Massey: the
• 35:30
  Nick Massey: biggest
• 35:31
  Nick Massey: misses
• 35:31
  Nick Massey: with
• 35:31
  Nick Massey: new
• 35:31
  Nick Massey: property
• 35:32
  Nick Massey: owners
• 35:32
  Nick Massey: is
• 35:32
  Nick Massey: not
• 35:33
  Nick Massey: doing
• 35:33
  Nick Massey: a
• 35:33
  Nick Massey: test
• 35:33
  Nick Massey: stay.
• 35:35
  Nick Massey: And
• 35:35
  Nick Massey: so,
• 35:36
  Nick Massey: you
• 35:36
  Nick Massey: need
• 35:36
  Nick Massey: to
• 35:36
  Nick Massey: have
• 35:37
  Nick Massey: family,
• 35:37
  Nick Massey: friends,
• 35:37
  Nick Massey: somebody
• 35:38
  Nick Massey: like
• 35:38
  Nick Massey: that,
• 35:38
  Nick Massey: like,
• 35:38
  Nick Massey: let
• 35:39
  Nick Massey: them
• 35:39
  Nick Massey: stay
• 35:39
  Nick Massey: there
• 35:39
  Nick Massey: for
• 35:40
  Nick Massey: three
• 35:40
  Nick Massey: or
• 35:40
  Nick Massey: four
• 35:40
  Nick Massey: days
• 35:41
  Nick Massey: at
• 35:41
  Nick Massey: no
• 35:41
  Nick Massey: cost
• 35:42
  Nick Massey: and
• 35:42
  Nick Massey: be
• 35:42
  Nick Massey: like,
• 35:42
  Nick Massey: you
• 35:42
  Nick Massey: need
• 35:43
  Nick Massey: to
• 35:43
  Nick Massey: give
• 35:43
  Nick Massey: me
• 35:43
  Nick Massey: the
• 35:43
  Nick Massey: checklist
• 35:44
  Nick Massey: on
• 35:44
  Nick Massey: like,
• 35:45
  Nick Massey: something
• 35:45
  Nick Massey: that
• 35:45
  Nick Massey: you
• 35:46
  Nick Massey: feel
• 35:46
  Nick Massey: might
• 35:46
  Nick Massey: be
• 35:47
  Nick Massey: out
• 35:47
  Nick Massey: of
• 35:47
  Nick Massey: the
• 35:47
  Nick Massey: ordinary
• 35:47
  Nick Massey: that
• 35:48
  Nick Massey: I
• 35:48
  Nick Massey: need
• 35:48
  Nick Massey: to
• 35:48
  Nick Massey: address.
• 35:49
  Nick Massey: There's
• 35:49
  Nick Massey: a,
• 35:49
  Nick Massey: there's
• 35:50
  Nick Massey: a
• 35:50
  Nick Massey: small
• 35:50
  Nick Massey: step
• 35:51
  Nick Massey: between
• 35:51
  Nick Massey: the
• 35:51
  Nick Massey: living
• 35:51
  Nick Massey: room
• 35:52
  Nick Massey: and
• 35:52
  Nick Massey: to
• 35:52
  Nick Massey: the
• 35:52
  Nick Massey: kitchen,
• 35:53
  Nick Massey: and
• 35:53
  Nick Massey: you
• 35:53
  Nick Massey: missed
• 35:53
  Nick Massey: it
• 35:54
  Nick Massey: and
• 35:54
  Nick Massey: you
• 35:54
  Nick Massey: tripped
• 35:54
  Nick Massey: on
• 35:54
  Nick Massey: it.
• 35:55
  Nick Massey: Um,
• 35:56
  Nick Massey: somebody
• 35:56
  Nick Massey: else
• 35:56
  Nick Massey: is
• 35:56
  Nick Massey: going
• 35:56
  Nick Massey: to
• 35:56
  Nick Massey: trip
• 35:57
  Nick Massey: and
• 35:57
  Nick Massey: fall
• 35:57
  Nick Massey: on
• 35:57
  Nick Massey: that
• 35:57
  Nick Massey: and,
• 35:57
  Nick Massey: and,
• 35:58
  Nick Massey: and
• 35:58
  Nick Massey: maybe
• 35:59
  Nick Massey: come
• 35:59
  Nick Massey: after
• 35:59
  Nick Massey: me.
• 35:59
  Nick Massey: So
• 36:00
  Nick Massey: maybe
• 36:00
  Nick Massey: that's
• 36:00
  Nick Massey: something
• 36:01
  Nick Massey: you
• 36:01
  Nick Massey: need
• 36:01
  Nick Massey: to
• 36:01
  Nick Massey: address
• 36:01
  Nick Massey: with
• 36:01
  Nick Massey: signage
• 36:02
  Nick Massey: or,
• 36:03
  Nick Massey: you
• 36:03
  Nick Massey: know,
• 36:03
  Nick Massey: some,
• 36:04
  Nick Massey: a
• 36:04
  Nick Massey: little
• 36:04
  Nick Massey: bit
• 36:04
  Nick Massey: of
• 36:04
  Nick Massey: tape
• 36:05
  Nick Massey: or
• 36:05
  Nick Massey: something
• 36:05
  Nick Massey: like
• 36:05
  Nick Massey: that,
• 36:05
  Nick Massey: that
• 36:06
  Nick Massey: really
• 36:06
  Nick Massey: makes
• 36:07
  Nick Massey: it
• 36:07
  Nick Massey: pop
• 36:07
  Nick Massey: out
• 36:07
  Nick Massey: to
• 36:07
  Nick Massey: everybody
• 36:08
  Nick Massey: so
• 36:08
  Nick Massey: that
• 36:09
  Nick Massey: they
• 36:09
  Nick Massey: know
• 36:09
  Nick Massey: they
• 36:09
  Nick Massey: got
• 36:09
  Nick Massey: to
• 36:09
  Nick Massey: go
• 36:10
  Nick Massey: up
• 36:10
  Nick Massey: that,
• 36:11
  Nick Massey: that
• 36:11
  Nick Massey: little
• 36:11
  Nick Massey: rise.
• 36:12
  Nick Massey: Right.
• 36:12
  Nick Massey: So,
• 36:13
  Nick Massey: uh,
• 36:13
  Nick Massey: I
• 36:13
  Nick Massey: think
• 36:14
  Nick Massey: that's
• 36:14
  Nick Massey: one
• 36:14
  Nick Massey: of
• 36:14
  Nick Massey: the
• 36:14
  Nick Massey: biggest
• 36:14
  Nick Massey: misses
• 36:15
  Nick Massey: that,
• 36:15
  Nick Massey: that
• 36:16
  Nick Massey: I've
• 36:16
  Nick Massey: heard
• 36:16
  Nick Massey: of
• 36:16
  Nick Massey: and
• 36:17
  Nick Massey: at
• 36:17
  Nick Massey: conferences
• 36:18
  Nick Massey: and
• 36:18
  Nick Massey: talking
• 36:18
  Nick Massey: with
• 36:18
  Nick Massey: people
• 36:19
  Nick Massey: is
• 36:19
  Nick Massey: like,
• 36:19
  Nick Massey: nobody
• 36:19
  Nick Massey: really
• 36:20
  Nick Massey: does
• 36:20
  Nick Massey: the
• 36:20
  Nick Massey: test
• 36:20
  Nick Massey: stay
• 36:20
  Nick Massey: anymore,
• 36:21
  Nick Massey: like
• 36:22
  Nick Massey: get
• 36:22
  Nick Massey: excited
• 36:22
  Nick Massey: about
• 36:22
  Nick Massey: your
• 36:22
  Nick Massey: property
• 36:23
  Nick Massey: and
• 36:23
  Nick Massey: have
• 36:23
  Nick Massey: people
• 36:23
  Nick Massey: go
• 36:23
  Nick Massey: in
• 36:24
  Nick Massey: there
• 36:24
  Nick Massey: and
• 36:24
  Nick Massey: check
• 36:24
  Nick Massey: it
• 36:24
  Nick Massey: out.
• 36:25
  Nick Massey: And
• 36:25
  Nick Massey: then.
• 36:26
  Nick Massey: Take
• 36:26
  Nick Massey: the
• 36:26
  Nick Massey: feedback
• 36:27
  Nick Massey: that
• 36:27
  Nick Massey: they're
• 36:27
  Nick Massey: giving
• 36:27
  Nick Massey: you
• 36:28
  Nick Massey: on
• 36:28
  Nick Massey: things
• 36:28
  Nick Massey: you
• 36:28
  Nick Massey: might
• 36:28
  Nick Massey: need
• 36:29
  Nick Massey: to
• 36:29
  Nick Massey: make
• 36:29
  Nick Massey: changes
• 36:29
  Nick Massey: or
• 36:29
  Nick Massey: adjustments
• 36:30
  Nick Massey: to.
• 36:30
  Sarah Karakaian: I
• 36:30
  Sarah Karakaian: was
• 36:30
  Sarah Karakaian: going
• 36:30
  Sarah Karakaian: to
• 36:30
  Sarah Karakaian: say,
• 36:31
  Sarah Karakaian: yeah,
• 36:31
  Sarah Karakaian: you're
• 36:32
  Sarah Karakaian: not
• 36:32
  Sarah Karakaian: kidding,
• 36:32
  Sarah Karakaian: Nick,
• 36:32
  Sarah Karakaian: with,
• 36:33
  Sarah Karakaian: so
• 36:33
  Sarah Karakaian: Annette
• 36:34
  Sarah Karakaian: and
• 36:34
  Sarah Karakaian: I
• 36:34
  Sarah Karakaian: have
• 36:34
  Sarah Karakaian: a
• 36:34
  Sarah Karakaian: townhome
• 36:34
  Sarah Karakaian: that
• 36:34
  Sarah Karakaian: we
• 36:34
  Sarah Karakaian: have
• 36:35
  Sarah Karakaian: insured
• 36:35
  Sarah Karakaian: with
• 36:35
  Sarah Karakaian: Proper,
• 36:36
  Sarah Karakaian: and
• 36:37
  Sarah Karakaian: They
• 36:37
  Sarah Karakaian: were
• 36:37
  Sarah Karakaian: on
• 36:37
  Sarah Karakaian: our
• 36:38
  Sarah Karakaian: listing
• 36:38
  Sarah Karakaian: looking
• 36:38
  Sarah Karakaian: at
• 36:38
  Sarah Karakaian: the
• 36:38
  Sarah Karakaian: photos
• 36:39
  Sarah Karakaian: and
• 36:39
  Sarah Karakaian: we
• 36:39
  Sarah Karakaian: have
• 36:40
  Sarah Karakaian: a
• 36:40
  Sarah Karakaian: handrail
• 36:40
  Sarah Karakaian: and
• 36:40
  Sarah Karakaian: they
• 36:40
  Sarah Karakaian: wanted
• 36:40
  Sarah Karakaian: to
• 36:41
  Sarah Karakaian: make
• 36:41
  Sarah Karakaian: sure
• 36:41
  Sarah Karakaian: the
• 36:41
  Sarah Karakaian: handrail
• 36:41
  Sarah Karakaian: was
• 36:41
  Sarah Karakaian: continuous
• 36:42
  Sarah Karakaian: and
• 36:42
  Sarah Karakaian: to
• 36:42
  Sarah Karakaian: code.
• 36:43
  Sarah Karakaian: And
• 36:43
  Sarah Karakaian: I
• 36:43
  Sarah Karakaian: was
• 36:44
  Sarah Karakaian: talking
• 36:44
  Sarah Karakaian: to
• 36:44
  Sarah Karakaian: the
• 36:44
  Sarah Karakaian: agent
• 36:44
  Sarah Karakaian: and
• 36:44
  Sarah Karakaian: I
• 36:44
  Sarah Karakaian: was
• 36:44
  Sarah Karakaian: like,
• 36:45
  Sarah Karakaian: How
• 36:45
  Sarah Karakaian: many
• 36:45
  Sarah Karakaian: more
• 36:46
  Sarah Karakaian: angles
• 36:46
  Sarah Karakaian: of
• 36:46
  Sarah Karakaian: this
• 36:46
  Sarah Karakaian: photo
• 36:47
  Sarah Karakaian: do
• 36:47
  Sarah Karakaian: you
• 36:47
  Sarah Karakaian: want?
• 36:47
  Sarah Karakaian: But
• 36:47
  Sarah Karakaian: she
• 36:47
  Sarah Karakaian: was
• 36:48
  Sarah Karakaian: like,
• 36:48
  Sarah Karakaian: she
• 36:48
  Sarah Karakaian: was
• 36:48
  Sarah Karakaian: doing
• 36:49
  Sarah Karakaian: her
• 36:49
  Sarah Karakaian: job.
• 36:49
  Sarah Karakaian: And
• 36:49
  Sarah Karakaian: I
• 36:49
  Sarah Karakaian: was
• 36:49
  Sarah Karakaian: like,
• 36:50
  Sarah Karakaian: fine.
• 36:50
  Sarah Karakaian: So
• 36:50
  Sarah Karakaian: I
• 36:50
  Sarah Karakaian: got
• 36:50
  Sarah Karakaian: her
• 36:51
  Sarah Karakaian: a
• 36:51
  Sarah Karakaian: video,
• 36:51
  Sarah Karakaian: like
• 36:51
  Sarah Karakaian: the
• 36:51
  Sarah Karakaian: whole
• 36:51
  Sarah Karakaian: nine
• 36:52
  Sarah Karakaian: yards.
• 36:52
  Sarah Karakaian: But
• 36:53
  Sarah Karakaian: it
• 36:53
  Sarah Karakaian: also,
• 36:54
  Sarah Karakaian: it's,
• 36:55
  Sarah Karakaian: it's
• 36:55
  Sarah Karakaian: not
• 36:55
  Sarah Karakaian: Proper's
• 36:56
  Sarah Karakaian: job
• 36:56
  Sarah Karakaian: to,
• 36:57
  Sarah Karakaian: to
• 36:58
  Sarah Karakaian: be
• 36:58
  Sarah Karakaian: at
• 36:58
  Sarah Karakaian: the
• 36:58
  Sarah Karakaian: property,
• 36:58
  Sarah Karakaian: so
• 36:59
  Sarah Karakaian: if,
• 36:59
  Sarah Karakaian: I
• 36:59
  Sarah Karakaian: would
• 36:59
  Sarah Karakaian: just
• 36:59
  Sarah Karakaian: say
• 36:59
  Sarah Karakaian: as
• 37:00
  Sarah Karakaian: a
• 37:00
  Sarah Karakaian: host,
• 37:00
  Sarah Karakaian: especially
• 37:00
  Sarah Karakaian: if
• 37:00
  Sarah Karakaian: you're
• 37:00
  Sarah Karakaian: a
• 37:01
  Sarah Karakaian: new
• 37:01
  Sarah Karakaian: host
• 37:01
  Sarah Karakaian: of
• 37:01
  Sarah Karakaian: your
• 37:01
  Sarah Karakaian: property,
• 37:02
  Sarah Karakaian: if
• 37:02
  Sarah Karakaian: you
• 37:02
  Sarah Karakaian: have
• 37:02
  Sarah Karakaian: any
• 37:03
  Sarah Karakaian: concerns
• 37:04
  Sarah Karakaian: of
• 37:04
  Sarah Karakaian: something
• 37:04
  Sarah Karakaian: being
• 37:04
  Sarah Karakaian: a
• 37:04
  Sarah Karakaian: liability,
• 37:05
  Sarah Karakaian: to
• 37:05
  Sarah Karakaian: just
• 37:06
  Sarah Karakaian: Don't
• 37:06
  Sarah Karakaian: hide
• 37:06
  Sarah Karakaian: it,
• 37:06
  Sarah Karakaian: right?
• 37:07
  Sarah Karakaian: Like,
• 37:07
  Sarah Karakaian: bring
• 37:07
  Sarah Karakaian: it
• 37:07
  Sarah Karakaian: up.
• 37:07
  Sarah Karakaian: You're
• 37:07
  Sarah Karakaian: not
• 37:08
  Sarah Karakaian: doing
• 37:08
  Sarah Karakaian: yourself
• 37:08
  Sarah Karakaian: any
• 37:08
  Sarah Karakaian: favors
• 37:09
  Sarah Karakaian: by
• 37:09
  Sarah Karakaian: not
• 37:10
  Sarah Karakaian: asking
• 37:10
  Sarah Karakaian: your
• 37:10
  Sarah Karakaian: insurer,
• 37:11
  Sarah Karakaian: the
• 37:12
  Sarah Karakaian: insurer
• 37:12
  Sarah Karakaian: whether
• 37:13
  Sarah Karakaian: or
• 37:13
  Sarah Karakaian: not
• 37:13
  Sarah Karakaian: this
• 37:13
  Sarah Karakaian: is
• 37:13
  Sarah Karakaian: a
• 37:13
  Sarah Karakaian: concern,
• 37:14
  Sarah Karakaian: right?
• 37:14
  Sarah Karakaian: Because,
• 37:15
  Sarah Karakaian: at
• 37:16
  Sarah Karakaian: the
• 37:16
  Sarah Karakaian: end
• 37:16
  Sarah Karakaian: of
• 37:16
  Sarah Karakaian: the
• 37:16
  Sarah Karakaian: day,
• 37:16
  Sarah Karakaian: you
• 37:16
  Sarah Karakaian: want
• 37:16
  Sarah Karakaian: to
• 37:16
  Sarah Karakaian: be
• 37:16
  Sarah Karakaian: covered
• 37:17
  Sarah Karakaian: should
• 37:17
  Sarah Karakaian: something
• 37:17
  Sarah Karakaian: happen.
• 37:18
  Nick Massey: Yeah,
• 37:18
  Nick Massey: that's
• 37:18
  Nick Massey: the
• 37:19
  Nick Massey: big
• 37:19
  Nick Massey: thing.
• 37:19
  Nick Massey: Like
• 37:19
  Nick Massey: if
• 37:19
  Nick Massey: they
• 37:20
  Nick Massey: don't
• 37:20
  Nick Massey: underwrite
• 37:20
  Nick Massey: for
• 37:21
  Nick Massey: it,
• 37:21
  Nick Massey: they're
• 37:21
  Nick Massey: probably
• 37:21
  Nick Massey: not
• 37:21
  Nick Massey: going
• 37:21
  Nick Massey: to
• 37:22
  Nick Massey: cover
• 37:22
  Nick Massey: it.
• 37:23
  Nick Massey: So
• 37:24
  Nick Massey: asking,
• 37:24
  Nick Massey: presenting
• 37:25
  Nick Massey: what
• 37:25
  Nick Massey: is
• 37:26
  Nick Massey: going
• 37:26
  Nick Massey: on
• 37:26
  Nick Massey: at
• 37:26
  Nick Massey: your
• 37:26
  Nick Massey: property
• 37:27
  Nick Massey: so
• 37:27
  Nick Massey: that
• 37:27
  Nick Massey: the
• 37:27
  Nick Massey: insurance
• 37:28
  Nick Massey: under,
• 37:28
  Nick Massey: not
• 37:29
  Nick Massey: the
• 37:29
  Nick Massey: agent,
• 37:29
  Nick Massey: the
• 37:29
  Nick Massey: agent
• 37:30
  Nick Massey: doesn't
• 37:30
  Nick Massey: pay
• 37:30
  Nick Massey: claims.
• 37:31
  Nick Massey: I
• 37:31
  Nick Massey: don't
• 37:31
  Nick Massey: physically
• 37:31
  Nick Massey: write
• 37:32
  Nick Massey: a
• 37:32
  Nick Massey: check
• 37:32
  Nick Massey: to
• 37:32
  Nick Massey: you
• 37:32
  Nick Massey: as
• 37:33
  Nick Massey: your
• 37:33
  Nick Massey: agent.
• 37:34
  Nick Massey: That's
• 37:34
  Nick Massey: Lloyd
• 37:34
  Nick Massey: to
• 37:34
  Nick Massey: London.
• 37:35
  Nick Massey: They're
• 37:35
  Nick Massey: the
• 37:35
  Nick Massey: ones
• 37:36
  Nick Massey: writing
• 37:36
  Nick Massey: the
• 37:36
  Nick Massey: check.
• 37:37
  Nick Massey: So
• 37:38
  Nick Massey: if
• 37:38
  Nick Massey: we
• 37:38
  Nick Massey: don't
• 37:38
  Nick Massey: correctly
• 37:39
  Nick Massey: present
• 37:39
  Nick Massey: the
• 37:39
  Nick Massey: exposure,
• 37:41
  Nick Massey: then
• 37:42
  Nick Massey: there
• 37:42
  Nick Massey: could
• 37:42
  Nick Massey: be
• 37:42
  Nick Massey: gaps
• 37:42
  Nick Massey: in
• 37:43
  Nick Massey: coverage,
• 37:43
  Nick Massey: or
• 37:43
  Nick Massey: there
• 37:43
  Nick Massey: could
• 37:43
  Nick Massey: be
• 37:44
  Nick Massey: something
• 37:44
  Nick Massey: missed
• 37:45
  Nick Massey: where,
• 37:46
  Nick Massey: you
• 37:46
  Nick Massey: know,
• 37:46
  Nick Massey: we
• 37:47
  Nick Massey: say.
• 37:48
  Nick Massey: Well,
• 37:48
  Nick Massey: we
• 37:48
  Nick Massey: didn't
• 37:48
  Nick Massey: know
• 37:49
  Nick Massey: about
• 37:49
  Nick Massey: that,
• 37:49
  Nick Massey: so
• 37:49
  Nick Massey: we
• 37:49
  Nick Massey: couldn't
• 37:49
  Nick Massey: tell
• 37:50
  Nick Massey: you
• 37:50
  Nick Massey: it
• 37:50
  Nick Massey: wasn't
• 37:50
  Nick Massey: covered.
• 37:51
  Nick Massey: Right.
• 37:51
  Nick Massey: Right?
• 37:52
  Nick Massey: Or
• 37:52
  Nick Massey: we
• 37:52
  Nick Massey: couldn't
• 37:52
  Nick Massey: tell
• 37:52
  Nick Massey: you
• 37:53
  Nick Massey: to
• 37:53
  Nick Massey: remove
• 37:53
  Nick Massey: it,
• 37:53
  Nick Massey: or,
• 37:54
  Nick Massey: or
• 37:54
  Nick Massey: this
• 37:54
  Nick Massey: or
• 37:54
  Nick Massey: that
• 37:55
  Nick Massey: or
• 37:55
  Nick Massey: the
• 37:55
  Nick Massey: other
• 37:55
  Nick Massey: thing.
• 37:55
  Nick Massey: So,
• 37:56
  Nick Massey: I
• 37:57
  Nick Massey: think
• 37:57
  Nick Massey: people
• 37:57
  Nick Massey: get
• 37:57
  Nick Massey: really
• 37:58
  Nick Massey: nervous
• 37:58
  Nick Massey: about
• 37:58
  Nick Massey: being
• 37:59
  Nick Massey: open
• 37:59
  Nick Massey: and
• 37:59
  Nick Massey: honest
• 38:00
  Nick Massey: about
• 38:00
  Nick Massey: their
• 38:01
  Nick Massey: exposure,
• 38:02
  Nick Massey: because
• 38:02
  Nick Massey: they're
• 38:02
  Nick Massey: afraid
• 38:02
  Nick Massey: that,
• 38:02
  Nick Massey: Oh,
• 38:03
  Nick Massey: boom,
• 38:03
  Nick Massey: right
• 38:03
  Nick Massey: out
• 38:03
  Nick Massey: of
• 38:03
  Nick Massey: the
• 38:03
  Nick Massey: bat,
• 38:04
  Nick Massey: I'm
• 38:04
  Nick Massey: just
• 38:04
  Nick Massey: going
• 38:04
  Nick Massey: to
• 38:04
  Nick Massey: get
• 38:04
  Nick Massey: cancelled
• 38:05
  Nick Massey: tomorrow.
• 38:06
  Nick Massey: Uh,
• 38:06
  Nick Massey: to
• 38:06
  Nick Massey: kind
• 38:07
  Nick Massey: of
• 38:07
  Nick Massey: let
• 38:07
  Nick Massey: everybody
• 38:07
  Nick Massey: know,
• 38:08
  Nick Massey: State
• 38:08
  Nick Massey: specific
• 38:09
  Nick Massey: rules
• 38:10
  Nick Massey: with
• 38:10
  Nick Massey: the
• 38:10
  Nick Massey: Department
• 38:11
  Nick Massey: of
• 38:11
  Nick Massey: Insurance
• 38:11
  Nick Massey: require
• 38:12
  Nick Massey: a
• 38:12
  Nick Massey: 30
• 38:12
  Nick Massey: day
• 38:13
  Nick Massey: and
• 38:13
  Nick Massey: in
• 38:13
  Nick Massey: some
• 38:13
  Nick Massey: states
• 38:14
  Nick Massey: a
• 38:14
  Nick Massey: 45
• 38:14
  Nick Massey: day
• 38:15
  Nick Massey: notice
• 38:15
  Nick Massey: of
• 38:15
  Nick Massey: cancellation
• 38:16
  Nick Massey: due
• 38:16
  Nick Massey: to
• 38:16
  Nick Massey: underwriting.
• 38:17
  Nick Massey: So
• 38:18
  Nick Massey: if
• 38:18
  Nick Massey: you
• 38:19
  Nick Massey: bring
• 38:19
  Nick Massey: to
• 38:19
  Nick Massey: the
• 38:19
  Nick Massey: table
• 38:20
  Nick Massey: and
• 38:21
  Nick Massey: they
• 38:21
  Nick Massey: go,
• 38:21
  Nick Massey: we
• 38:21
  Nick Massey: don't
• 38:22
  Nick Massey: like
• 38:22
  Nick Massey: that
• 38:22
  Nick Massey: or
• 38:22
  Nick Massey: we're
• 38:23
  Nick Massey: not
• 38:23
  Nick Massey: going
• 38:23
  Nick Massey: to
• 38:23
  Nick Massey: insure
• 38:24
  Nick Massey: it,
• 38:24
  Nick Massey: they
• 38:24
  Nick Massey: provide,
• 38:25
  Nick Massey: they
• 38:25
  Nick Massey: have
• 38:25
  Nick Massey: to
• 38:25
  Nick Massey: give
• 38:25
  Nick Massey: you
• 38:26
  Nick Massey: a
• 38:26
  Nick Massey: formal
• 38:26
  Nick Massey: notice
• 38:27
  Nick Massey: via
• 38:27
  Nick Massey: certified
• 38:27
  Nick Massey: mail
• 38:28
  Nick Massey: that
• 38:28
  Nick Massey: it's
• 38:29
  Nick Massey: 30
• 38:29
  Nick Massey: days,
• 38:30
  Nick Massey: in
• 38:30
  Nick Massey: some
• 38:30
  Nick Massey: states
• 38:31
  Nick Massey: it's
• 38:31
  Nick Massey: 45
• 38:31
  Nick Massey: days,
• 38:32
  Nick Massey: of
• 38:32
  Nick Massey: cancellation
• 38:33
  Nick Massey: or
• 38:33
  Nick Massey: non
• 38:33
  Nick Massey: renewal
• 38:34
  Nick Massey: due
• 38:34
  Nick Massey: to
• 38:34
  Nick Massey: underwriting.
• 38:35
  Nick Massey: So
• 38:35
  Nick Massey: that
• 38:36
  Nick Massey: gives
• 38:36
  Nick Massey: you
• 38:36
  Nick Massey: time
• 38:37
  Nick Massey: to
• 38:37
  Nick Massey: go
• 38:37
  Nick Massey: and
• 38:38
  Nick Massey: find
• 38:38
  Nick Massey: another
• 38:39
  Nick Massey: carrier.
• 38:40
  Nick Massey: Right?
• 38:40
  Nick Massey: Now,
• 38:40
  Nick Massey: I
• 38:41
  Nick Massey: will
• 38:41
  Nick Massey: say
• 38:41
  Nick Massey: when
• 38:41
  Nick Massey: you're
• 38:41
  Nick Massey: having
• 38:42
  Nick Massey: these
• 38:42
  Nick Massey: conversations,
• 38:43
  Nick Massey: be
• 38:43
  Nick Massey: very,
• 38:44
  Nick Massey: I'm
• 38:44
  Nick Massey: thinking
• 38:44
  Nick Massey: of,
• 38:45
  Nick Massey: I
• 38:45
  Nick Massey: would
• 38:46
  Nick Massey: like
• 38:46
  Nick Massey: to,
• 38:47
  Nick Massey: using
• 38:47
  Nick Massey: terms
• 38:48
  Nick Massey: like
• 38:48
  Nick Massey: that,
• 38:49
  Nick Massey: so
• 38:49
  Nick Massey: that
• 38:49
  Nick Massey: they
• 38:50
  Nick Massey: don't
• 38:50
  Nick Massey: just
• 38:50
  Nick Massey: jump
• 38:50
  Nick Massey: in
• 38:50
  Nick Massey: and
• 38:50
  Nick Massey: do
• 38:51
  Nick Massey: this.
• 38:51
  Nick Massey: So,
• 38:51
  Nick Massey: like,
• 38:51
  Nick Massey: if
• 38:51
  Nick Massey: you're
• 38:51
  Nick Massey: already
• 38:52
  Nick Massey: short
• 38:52
  Nick Massey: term
• 38:52
  Nick Massey: renting,
• 38:53
  Nick Massey: you
• 38:53
  Nick Massey: already
• 38:53
  Nick Massey: have
• 38:53
  Nick Massey: an
• 38:53
  Nick Massey: online
• 38:54
  Nick Massey: listing,
• 38:55
  Nick Massey: and
• 38:55
  Nick Massey: you're
• 38:55
  Nick Massey: like,
• 38:55
  Nick Massey: mmm,
• 38:56
  Nick Massey: I
• 38:56
  Nick Massey: don't
• 38:56
  Nick Massey: know
• 38:56
  Nick Massey: if
• 38:56
  Nick Massey: they're
• 38:56
  Nick Massey: gonna
• 38:56
  Nick Massey: cover
• 38:57
  Nick Massey: me
• 38:57
  Nick Massey: or
• 38:57
  Nick Massey: not,
• 38:57
  Nick Massey: but
• 38:57
  Nick Massey: I
• 38:57
  Nick Massey: want
• 38:57
  Nick Massey: to
• 38:57
  Nick Massey: ask
• 38:58
  Nick Massey: a
• 38:58
  Nick Massey: question,
• 38:59
  Nick Massey: then
• 38:59
  Nick Massey: be
• 38:59
  Nick Massey: like,
• 38:59
  Nick Massey: I'm
• 39:00
  Nick Massey: thinking
• 39:00
  Nick Massey: about
• 39:00
  Nick Massey: doing
• 39:01
  Nick Massey: Airbnb
• 39:01
  Nick Massey: with
• 39:02
  Nick Massey: my
• 39:02
  Nick Massey: property.
• 39:03
  Nick Massey: Is
• 39:03
  Nick Massey: that
• 39:03
  Nick Massey: something
• 39:03
  Nick Massey: you
• 39:03
  Nick Massey: guys
• 39:04
  Nick Massey: cover?
• 39:04
  Nick Massey: Do
• 39:04
  Nick Massey: I
• 39:04
  Nick Massey: need
• 39:04
  Nick Massey: to
• 39:04
  Nick Massey: get
• 39:05
  Nick Massey: a
• 39:05
  Nick Massey: new
• 39:05
  Nick Massey: policy?
• 39:05
  Nick Massey: Do
• 39:06
  Nick Massey: I
• 39:06
  Nick Massey: need
• 39:06
  Nick Massey: to
• 39:06
  Nick Massey: go
• 39:06
  Nick Massey: shop
• 39:06
  Nick Massey: around?
• 39:07
  Nick Massey: Um,
• 39:08
  Nick Massey: and
• 39:08
  Nick Massey: see
• 39:08
  Nick Massey: now
• 39:08
  Nick Massey: if
• 39:08
  Nick Massey: they
• 39:08
  Nick Massey: come
• 39:08
  Nick Massey: back
• 39:09
  Nick Massey: and
• 39:09
  Nick Massey: say,
• 39:09
  Nick Massey: Oh
• 39:09
  Nick Massey: yeah,
• 39:09
  Nick Massey: we
• 39:09
  Nick Massey: cover
• 39:10
  Nick Massey: short
• 39:10
  Nick Massey: term
• 39:10
  Nick Massey: rentals
• 39:10
  Nick Massey: and
• 39:11
  Nick Massey: we're
• 39:11
  Nick Massey: going
• 39:11
  Nick Massey: to
• 39:11
  Nick Massey: add
• 39:11
  Nick Massey: this
• 39:11
  Nick Massey: endorsement.
• 39:12
  Nick Massey: Now
• 39:13
  Nick Massey: you
• 39:13
  Nick Massey: open
• 39:13
  Nick Massey: up
• 39:13
  Nick Massey: the
• 39:13
  Nick Massey: door
• 39:14
  Nick Massey: to
• 39:14
  Nick Massey: being
• 39:14
  Nick Massey: like,
• 39:14
  Nick Massey: okay,
• 39:15
  Nick Massey: I
• 39:15
  Nick Massey: have
• 39:16
  Nick Massey: a
• 39:16
  Nick Massey: hot
• 39:16
  Nick Massey: tub.
• 39:16
  Nick Massey: I
• 39:16
  Nick Massey: have
• 39:17
  Nick Massey: a
• 39:17
  Nick Massey: pool.
• 39:17
  Nick Massey: I
• 39:17
  Nick Massey: offer
• 39:17
  Nick Massey: bicycles.
• 39:18
  Nick Massey: I'm
• 39:18
  Nick Massey: pet
• 39:18
  Nick Massey: friendly,
• 39:19
  Nick Massey: how
• 39:20
  Nick Massey: am
• 39:20
  Nick Massey: I
• 39:20
  Nick Massey: covered
• 39:20
  Nick Massey: in
• 39:20
  Nick Massey: all
• 39:20
  Nick Massey: of
• 39:21
  Nick Massey: this
• 39:21
  Nick Massey: stuff?
• 39:21
  Nick Massey: Right.
• 39:22
  Nick Massey: I'm
• 39:22
  Nick Massey: lakefront
• 39:22
  Nick Massey: with
• 39:22
  Nick Massey: a
• 39:23
  Nick Massey: dock
• 39:23
  Nick Massey: and
• 39:23
  Nick Massey: you
• 39:23
  Nick Massey: know,
• 39:24
  Nick Massey: like
• 39:25
  Nick Massey: if
• 39:25
  Nick Massey: this
• 39:25
  Nick Massey: happens,
• 39:25
  Nick Massey: if
• 39:25
  Nick Massey: that
• 39:26
  Nick Massey: happens,
• 39:26
  Nick Massey: how
• 39:26
  Nick Massey: am
• 39:26
  Nick Massey: I
• 39:26
  Nick Massey: covered?
• 39:27
  Nick Massey: That's
• 39:27
  Nick Massey: when
• 39:27
  Nick Massey: you
• 39:27
  Nick Massey: start
• 39:27
  Nick Massey: asking
• 39:28
  Nick Massey: those
• 39:28
  Nick Massey: questions
• 39:29
  Nick Massey: and
• 39:29
  Nick Massey: always
• 39:29
  Nick Massey: ask
• 39:30
  Nick Massey: for
• 39:30
  Nick Massey: an
• 39:30
  Nick Massey: answer
• 39:30
  Nick Massey: from
• 39:30
  Nick Massey: the
• 39:30
  Nick Massey: underwriter,
• 39:31
  Nick Massey: not
• 39:31
  Nick Massey: the
• 39:32
  Nick Massey: agent.
• 39:32
  Nick Massey: Um,
• 39:34
  Nick Massey: that
• 39:34
  Nick Massey: way,
• 39:34
  Nick Massey: you
• 39:34
  Nick Massey: know,
• 39:35
  Nick Massey: from
• 39:35
  Nick Massey: the
• 39:36
  Nick Massey: carrier
• 39:36
  Nick Massey: that
• 39:36
  Nick Massey: you're
• 39:36
  Nick Massey: paying
• 39:37
  Nick Massey: the
• 39:37
  Nick Massey: premium
• 39:37
  Nick Massey: to,
• 39:38
  Nick Massey: if,
• 39:38
  Nick Massey: or
• 39:38
  Nick Massey: if
• 39:38
  Nick Massey: not,
• 39:39
  Nick Massey: they're
• 39:39
  Nick Massey: actually
• 39:39
  Nick Massey: going
• 39:39
  Nick Massey: to
• 39:39
  Nick Massey: pay
• 39:39
  Nick Massey: for
• 39:40
  Nick Massey: that
• 39:40
  Nick Massey: claim
• 39:40
  Nick Massey: because
• 39:41
  Nick Massey: an
• 39:41
  Nick Massey: agent
• 39:41
  Nick Massey: can
• 39:41
  Nick Massey: tell
• 39:41
  Nick Massey: you
• 39:42
  Nick Massey: on
• 39:42
  Nick Massey: the
• 39:42
  Nick Massey: phone,
• 39:42
  Nick Massey: whatever
• 39:42
  Nick Massey: they
• 39:42
  Nick Massey: want
• 39:43
  Nick Massey: to
• 39:43
  Nick Massey: tell
• 39:43
  Nick Massey: you.
• 39:43
  Nick Massey: Uh,
• 39:44
  Nick Massey: so
• 39:44
  Nick Massey: always
• 39:45
  Nick Massey: make
• 39:45
  Nick Massey: sure
• 39:45
  Nick Massey: it's
• 39:45
  Nick Massey: in
• 39:45
  Nick Massey: writing
• 39:46
  Nick Massey: via
• 39:46
  Nick Massey: email
• 39:46
  Nick Massey: from
• 39:47
  Nick Massey: the
• 39:47
  Nick Massey: underwriter.
• 39:48
  Nick Massey: Uh,
• 39:48
  Nick Massey: if
• 39:48
  Nick Massey: you
• 39:49
  Nick Massey: really
• 39:49
  Nick Massey: want
• 39:49
  Nick Massey: to
• 39:49
  Nick Massey: nail
• 39:50
  Nick Massey: down
• 39:50
  Nick Massey: and
• 39:50
  Nick Massey: ensure
• 39:51
  Nick Massey: how
• 39:51
  Nick Massey: you're
• 39:51
  Nick Massey: protected.
• 39:52
  Annette Grant: You
• 39:52
  Annette Grant: just
• 39:52
  Annette Grant: mentioned
• 39:53
  Annette Grant: pet
• 39:53
  Annette Grant: friendly.
• 39:53
  Annette Grant: So
• 39:54
  Annette Grant: is
• 39:54
  Annette Grant: that
• 39:54
  Annette Grant: something
• 39:54
  Annette Grant: that
• 39:54
  Annette Grant: all
• 39:55
  Annette Grant: hosts
• 39:55
  Annette Grant: need
• 39:55
  Annette Grant: to,
• 39:55
  Annette Grant: if
• 39:56
  Annette Grant: let's
• 39:56
  Annette Grant: say
• 39:56
  Annette Grant: they
• 39:56
  Annette Grant: weren't
• 39:57
  Annette Grant: pet
• 39:57
  Annette Grant: friendly
• 39:57
  Annette Grant: and
• 39:58
  Annette Grant: then
• 39:58
  Annette Grant: they
• 39:58
  Annette Grant: switch
• 39:58
  Annette Grant: to
• 39:58
  Annette Grant: pet
• 39:58
  Annette Grant: friendly,
• 39:59
  Annette Grant: they
• 39:59
  Annette Grant: need
• 39:59
  Annette Grant: to
• 39:59
  Annette Grant: disclose
• 40:00
  Annette Grant: that
• 40:00
  Annette Grant: to
• 40:01
  Annette Grant: their
• 40:01
  Annette Grant: insurance
• 40:02
  Annette Grant: company?
• 40:03
  Nick Massey: Um,
• 40:05
  Nick Massey: yes
• 40:05
  Nick Massey: and
• 40:05
  Nick Massey: no.
• 40:06
  Nick Massey: Uh,
• 40:07
  Nick Massey: the,
• 40:07
  Nick Massey: the
• 40:07
  Nick Massey: problem
• 40:09
  Nick Massey: And
• 40:09
  Nick Massey: we
• 40:09
  Nick Massey: can
• 40:09
  Nick Massey: get
• 40:09
  Nick Massey: into
• 40:10
  Nick Massey: some
• 40:10
  Nick Massey: more
• 40:10
  Nick Massey: kind
• 40:10
  Nick Massey: of
• 40:11
  Nick Massey: details
• 40:11
  Nick Massey: on
• 40:12
  Nick Massey: what
• 40:12
  Nick Massey: to
• 40:12
  Nick Massey: look
• 40:12
  Nick Massey: for
• 40:12
  Nick Massey: in
• 40:12
  Nick Massey: your
• 40:12
  Nick Massey: policy
• 40:13
  Nick Massey: to
• 40:13
  Nick Massey: know
• 40:13
  Nick Massey: if
• 40:13
  Nick Massey: you're
• 40:13
  Nick Massey: protected
• 40:14
  Nick Massey: or
• 40:14
  Nick Massey: not.
• 40:15
  Nick Massey: So,
• 40:16
  Nick Massey: dog
• 40:16
  Nick Massey: bites
• 40:16
  Nick Massey: make
• 40:17
  Nick Massey: up
• 40:17
  Nick Massey: a
• 40:17
  Nick Massey: little
• 40:18
  Nick Massey: north
• 40:18
  Nick Massey: of
• 40:18
  Nick Massey: one
• 40:18
  Nick Massey: billion
• 40:19
  Nick Massey: dollars
• 40:19
  Nick Massey: a
• 40:19
  Nick Massey: year
• 40:19
  Nick Massey: in
• 40:20
  Nick Massey: liability
• 40:20
  Nick Massey: claims
• 40:20
  Nick Massey: paid
• 40:21
  Nick Massey: out
• 40:21
  Nick Massey: in
• 40:21
  Nick Massey: the
• 40:21
  Nick Massey: United
• 40:21
  Nick Massey: States.
• 40:22
  Nick Massey: So,
• 40:23
  Nick Massey: it's
• 40:23
  Nick Massey: not
• 40:23
  Nick Massey: that
• 40:23
  Nick Massey: you're
• 40:23
  Nick Massey: pet
• 40:23
  Nick Massey: friendly,
• 40:24
  Nick Massey: it's
• 40:24
  Nick Massey: that
• 40:25
  Nick Massey: your
• 40:25
  Nick Massey: neighbors
• 40:25
  Nick Massey: also
• 40:25
  Nick Massey: have
• 40:25
  Nick Massey: dogs.
• 40:26
  Nick Massey: And
• 40:27
  Nick Massey: if
• 40:27
  Nick Massey: your
• 40:27
  Nick Massey: guest
• 40:27
  Nick Massey: goes
• 40:27
  Nick Massey: for
• 40:27
  Nick Massey: a
• 40:27
  Nick Massey: walk
• 40:28
  Nick Massey: and
• 40:28
  Nick Massey: that
• 40:28
  Nick Massey: dog
• 40:28
  Nick Massey: bites
• 40:29
  Nick Massey: your
• 40:29
  Nick Massey: neighbor,
• 40:29
  Nick Massey: what's
• 40:29
  Nick Massey: gonna
• 40:29
  Nick Massey: happen?
• 40:30
  Nick Massey: Our
• 40:31
  Nick Massey: experience,
• 40:31
  Nick Massey: they
• 40:31
  Nick Massey: just
• 40:31
  Nick Massey: sue
• 40:32
  Nick Massey: everybody.
• 40:32
  Nick Massey: Are
• 40:32
  Nick Massey: you
• 40:33
  Nick Massey: liable?
• 40:33
  Annette Grant: Yeah.
• 40:34
  Nick Massey: No,
• 40:34
  Nick Massey: no,
• 40:35
  Nick Massey: you
• 40:35
  Nick Massey: shouldn't.
• 40:35
  Nick Massey: I
• 40:35
  Nick Massey: don't
• 40:36
  Nick Massey: think
• 40:36
  Nick Massey: you're
• 40:36
  Nick Massey: liable.
• 40:37
  Nick Massey: Why
• 40:37
  Nick Massey: are
• 40:37
  Nick Massey: they
• 40:37
  Nick Massey: suing
• 40:38
  Nick Massey: you?
• 40:39
  Nick Massey: Okay,
• 40:39
  Nick Massey: well,
• 40:39
  Nick Massey: they
• 40:40
  Nick Massey: named
• 40:40
  Nick Massey: you
• 40:40
  Nick Massey: in
• 40:40
  Nick Massey: the
• 40:40
  Nick Massey: lawsuit.
• 40:40
  Nick Massey: Now
• 40:41
  Nick Massey: what
• 40:41
  Nick Massey: happens?
• 40:41
  Nick Massey: Do
• 40:41
  Nick Massey: you
• 40:41
  Nick Massey: have
• 40:42
  Nick Massey: coverage
• 40:42
  Nick Massey: or
• 40:42
  Nick Massey: do
• 40:42
  Nick Massey: you
• 40:42
  Nick Massey: not
• 40:43
  Nick Massey: have
• 40:43
  Nick Massey: coverage?
• 40:43
  Nick Massey: Well,
• 40:43
  Nick Massey: if
• 40:43
  Nick Massey: you
• 40:44
  Nick Massey: don't
• 40:44
  Nick Massey: have
• 40:44
  Nick Massey: coverage,
• 40:44
  Nick Massey: you
• 40:44
  Nick Massey: get
• 40:44
  Nick Massey: to
• 40:45
  Nick Massey: pay
• 40:45
  Nick Massey: for
• 40:45
  Nick Massey: your
• 40:45
  Nick Massey: lawyer
• 40:45
  Nick Massey: out
• 40:45
  Nick Massey: of
• 40:45
  Nick Massey: your
• 40:46
  Nick Massey: own
• 40:46
  Nick Massey: pocket,
• 40:46
  Nick Massey: and
• 40:46
  Nick Massey: hopefully
• 40:47
  Nick Massey: they
• 40:47
  Nick Massey: get
• 40:47
  Nick Massey: you
• 40:47
  Nick Massey: out
• 40:47
  Nick Massey: of
• 40:47
  Nick Massey: the
• 40:47
  Nick Massey: lawsuit.
• 40:48
  Nick Massey: If
• 40:48
  Nick Massey: they
• 40:48
  Nick Massey: don't
• 40:48
  Nick Massey: get
• 40:49
  Nick Massey: you
• 40:49
  Nick Massey: out
• 40:49
  Nick Massey: of
• 40:49
  Nick Massey: the
• 40:49
  Nick Massey: lawsuit,
• 40:49
  Nick Massey: now
• 40:50
  Nick Massey: you
• 40:50
  Nick Massey: go
• 40:50
  Nick Massey: to,
• 40:51
  Nick Massey: uh,
• 40:51
  Nick Massey: you
• 40:52
  Nick Massey: know,
• 40:52
  Nick Massey: the
• 40:52
  Nick Massey: mediations
• 40:53
  Nick Massey: and
• 40:53
  Nick Massey: everything
• 40:53
  Nick Massey: that
• 40:53
  Nick Massey: happened
• 40:54
  Nick Massey: to
• 40:54
  Nick Massey: come
• 40:54
  Nick Massey: up
• 40:54
  Nick Massey: with
• 40:54
  Nick Massey: a
• 40:54
  Nick Massey: settlement
• 40:54
  Nick Massey: and
• 40:55
  Nick Massey: you
• 40:55
  Nick Massey: get
• 40:55
  Nick Massey: to
• 40:55
  Nick Massey: pay
• 40:55
  Nick Massey: for
• 40:55
  Nick Massey: that
• 40:55
  Nick Massey: out
• 40:55
  Nick Massey: of
• 40:55
  Nick Massey: your
• 40:55
  Nick Massey: own
• 40:56
  Nick Massey: pocket.
• 40:57
  Nick Massey: If
• 40:57
  Nick Massey: you
• 40:57
  Nick Massey: do
• 40:57
  Nick Massey: have
• 40:57
  Nick Massey: coverage
• 40:58
  Nick Massey: in
• 40:58
  Nick Massey: your
• 40:58
  Nick Massey: policy,
• 40:59
  Nick Massey: uh,
• 40:59
  Nick Massey: for
• 41:00
  Nick Massey: dog
• 41:00
  Nick Massey: bites,
• 41:01
  Nick Massey: then
• 41:01
  Nick Massey: you
• 41:02
  Nick Massey: more
• 41:02
  Nick Massey: than
• 41:02
  Nick Massey: likely
• 41:02
  Nick Massey: have
• 41:03
  Nick Massey: defense
• 41:03
  Nick Massey: costs
• 41:04
  Nick Massey: provided
• 41:04
  Nick Massey: by
• 41:04
  Nick Massey: the
• 41:04
  Nick Massey: carrier.
• 41:06
  Nick Massey: But
• 41:06
  Nick Massey: that
• 41:06
  Nick Massey: leads
• 41:06
  Nick Massey: us
• 41:06
  Nick Massey: to
• 41:06
  Nick Massey: another
• 41:07
  Nick Massey: thing.
• 41:07
  Nick Massey: What
• 41:07
  Nick Massey: type
• 41:07
  Nick Massey: of
• 41:08
  Nick Massey: liability
• 41:08
  Nick Massey: form
• 41:09
  Nick Massey: do
• 41:09
  Nick Massey: you
• 41:09
  Nick Massey: have
• 41:09
  Nick Massey: on
• 41:09
  Nick Massey: your
• 41:10
  Nick Massey: policy?
• 41:11
  Nick Massey: There's
• 41:11
  Nick Massey: three
• 41:11
  Nick Massey: of
• 41:11
  Nick Massey: them.
• 41:12
  Nick Massey: There's
• 41:12
  Nick Massey: homeowners
• 41:13
  Nick Massey: or
• 41:13
  Nick Massey: personal,
• 41:14
  Nick Massey: there's
• 41:14
  Nick Massey: landlord
• 41:15
  Nick Massey: or
• 41:15
  Nick Massey: premises,
• 41:17
  Nick Massey: and
• 41:17
  Nick Massey: then
• 41:17
  Nick Massey: there's
• 41:17
  Nick Massey: commercial,
• 41:18
  Nick Massey: which
• 41:18
  Nick Massey: is
• 41:18
  Nick Massey: the
• 41:19
  Nick Massey: broadest
• 41:19
  Nick Massey: of
• 41:19
  Nick Massey: the
• 41:19
  Nick Massey: three,
• 41:20
  Nick Massey: because
• 41:20
  Nick Massey: it
• 41:20
  Nick Massey: covers
• 41:20
  Nick Massey: off
• 41:21
  Nick Massey: property
• 41:21
  Nick Massey: claims,
• 41:22
  Nick Massey: homeowners
• 41:22
  Nick Massey: insurance
• 41:23
  Nick Massey: always
• 41:23
  Nick Massey: excludes
• 41:24
  Nick Massey: business
• 41:24
  Nick Massey: activity.
• 41:25
  Nick Massey: So
• 41:25
  Nick Massey: if
• 41:25
  Nick Massey: the
• 41:25
  Nick Massey: property
• 41:26
  Nick Massey: is
• 41:26
  Nick Massey: not
• 41:26
  Nick Massey: your
• 41:26
  Nick Massey: primary
• 41:27
  Nick Massey: residence,
• 41:28
  Nick Massey: you
• 41:28
  Nick Massey: need
• 41:28
  Nick Massey: a
• 41:28
  Nick Massey: new
• 41:28
  Nick Massey: policy
• 41:29
  Nick Massey: today
• 41:30
  Nick Massey: and
• 41:30
  Nick Massey: get
• 41:30
  Nick Massey: rid
• 41:30
  Nick Massey: of
• 41:30
  Nick Massey: that.
• 41:31
  Nick Massey: Uh,
• 41:32
  Nick Massey: it
• 41:32
  Nick Massey: says
• 41:32
  Nick Massey: HO3
• 41:33
  Nick Massey: on
• 41:33
  Nick Massey: it.
• 41:33
  Nick Massey: It's
• 41:34
  Nick Massey: no
• 41:34
  Nick Massey: good.
• 41:35
  Nick Massey: Uh,
• 41:36
  Nick Massey: even
• 41:36
  Nick Massey: if
• 41:36
  Nick Massey: you
• 41:36
  Nick Massey: have
• 41:36
  Nick Massey: an
• 41:36
  Nick Massey: endorsement,
• 41:37
  Nick Massey: it
• 41:37
  Nick Massey: defines
• 41:38
  Nick Massey: that
• 41:38
  Nick Massey: it's
• 41:38
  Nick Massey: short
• 41:38
  Nick Massey: term
• 41:39
  Nick Massey: rentals
• 41:39
  Nick Massey: in
• 41:40
  Nick Massey: your
• 41:40
  Nick Massey: residence
• 41:41
  Nick Massey: premises.
• 41:42
  Nick Massey: So
• 41:42
  Nick Massey: if
• 41:42
  Nick Massey: it's
• 41:42
  Nick Massey: not
• 41:42
  Nick Massey: your
• 41:43
  Nick Massey: primary
• 41:43
  Nick Massey: home,
• 41:43
  Nick Massey: again,
• 41:44
  Nick Massey: you
• 41:44
  Nick Massey: have
• 41:44
  Nick Massey: no
• 41:44
  Nick Massey: coverage,
• 41:44
  Nick Massey: that
• 41:45
  Nick Massey: 250,
• 41:46
  Nick Massey: you
• 41:46
  Nick Massey: might
• 41:46
  Nick Massey: as
• 41:46
  Nick Massey: well
• 41:46
  Nick Massey: flush
• 41:46
  Nick Massey: it
• 41:46
  Nick Massey: down
• 41:47
  Nick Massey: the
• 41:47
  Nick Massey: drain.
• 41:48
  Nick Massey: A
• 41:48
  Nick Massey: landlord
• 41:48
  Nick Massey: policy
• 41:50
  Nick Massey: can
• 41:50
  Nick Massey: be
• 41:50
  Nick Massey: enhanced
• 41:51
  Nick Massey: and
• 41:51
  Nick Massey: endorsed
• 41:51
  Nick Massey: for
• 41:51
  Nick Massey: short
• 41:51
  Nick Massey: term
• 41:52
  Nick Massey: rentals,
• 41:52
  Nick Massey: and
• 41:52
  Nick Massey: they're,
• 41:52
  Nick Massey: they're
• 41:53
  Nick Massey: okay.
• 41:53
  Nick Massey: They're
• 41:54
  Nick Massey: getting
• 41:54
  Nick Massey: better.
• 41:54
  Nick Massey: They're
• 41:54
  Nick Massey: starting
• 41:55
  Nick Massey: to
• 41:55
  Nick Massey: increase
• 41:56
  Nick Massey: their
• 41:56
  Nick Massey: liability
• 41:56
  Nick Massey: limits
• 41:57
  Nick Massey: and
• 41:57
  Nick Massey: things.
• 41:57
  Nick Massey: But
• 41:57
  Nick Massey: the
• 41:57
  Nick Massey: biggest
• 41:57
  Nick Massey: limitation
• 41:58
  Nick Massey: in
• 41:59
  Nick Massey: this
• 42:00
  Nick Massey: specific
• 42:00
  Nick Massey: topic
• 42:01
  Nick Massey: about
• 42:01
  Nick Massey: dog
• 42:01
  Nick Massey: bites
• 42:01
  Nick Massey: is
• 42:02
  Nick Massey: premises
• 42:02
  Nick Massey: only
• 42:03
  Nick Massey: liability.
• 42:05
  Nick Massey: That
• 42:05
  Nick Massey: coverage
• 42:06
  Nick Massey: for
• 42:06
  Nick Massey: your
• 42:06
  Nick Massey: liability
• 42:06
  Nick Massey: protection
• 42:07
  Nick Massey: does
• 42:07
  Nick Massey: not
• 42:07
  Nick Massey: extend
• 42:08
  Nick Massey: beyond
• 42:08
  Nick Massey: your
• 42:08
  Nick Massey: property
• 42:09
  Nick Massey: line
• 42:09
  Nick Massey: or
• 42:10
  Nick Massey: the
• 42:10
  Nick Massey: language
• 42:10
  Nick Massey: of
• 42:11
  Nick Massey: that
• 42:11
  Nick Massey: contract.
• 42:12
  Nick Massey: That
• 42:12
  Nick Massey: is
• 42:12
  Nick Massey: how
• 42:12
  Nick Massey: premises
• 42:13
  Nick Massey: liability
• 42:13
  Nick Massey: is
• 42:14
  Nick Massey: written.
• 42:14
  Nick Massey: It's
• 42:14
  Nick Massey: built
• 42:15
  Nick Massey: and
• 42:15
  Nick Massey: designed
• 42:15
  Nick Massey: for
• 42:15
  Nick Massey: a
• 42:15
  Nick Massey: landlord.
• 42:16
  Nick Massey: Who's
• 42:16
  Nick Massey: going
• 42:17
  Nick Massey: to
• 42:17
  Nick Massey: have
• 42:17
  Nick Massey: tenants
• 42:18
  Nick Massey: living
• 42:18
  Nick Massey: in
• 42:18
  Nick Massey: their
• 42:18
  Nick Massey: property
• 42:19
  Nick Massey: full
• 42:19
  Nick Massey: time,
• 42:19
  Nick Massey: and
• 42:19
  Nick Massey: if
• 42:19
  Nick Massey: that
• 42:20
  Nick Massey: tenant
• 42:20
  Nick Massey: has
• 42:20
  Nick Massey: an
• 42:20
  Nick Massey: injury
• 42:20
  Nick Massey: on
• 42:21
  Nick Massey: your
• 42:21
  Nick Massey: property
• 42:22
  Nick Massey: amongst
• 42:22
  Nick Massey: something
• 42:22
  Nick Massey: you're
• 42:22
  Nick Massey: responsible
• 42:23
  Nick Massey: for,
• 42:23
  Nick Massey: you
• 42:23
  Nick Massey: have
• 42:23
  Nick Massey: coverage.
• 42:24
  Nick Massey: If
• 42:24
  Nick Massey: that
• 42:25
  Nick Massey: guest
• 42:25
  Nick Massey: has
• 42:25
  Nick Massey: a
• 42:25
  Nick Massey: dog,
• 42:26
  Nick Massey: and
• 42:26
  Nick Massey: takes
• 42:26
  Nick Massey: that
• 42:26
  Nick Massey: dog
• 42:26
  Nick Massey: for
• 42:26
  Nick Massey: a
• 42:26
  Nick Massey: walk,
• 42:27
  Nick Massey: or
• 42:27
  Nick Massey: goes
• 42:27
  Nick Massey: to
• 42:27
  Nick Massey: a
• 42:27
  Nick Massey: park,
• 42:28
  Nick Massey: and
• 42:28
  Nick Massey: that
• 42:28
  Nick Massey: dog
• 42:29
  Nick Massey: bites
• 42:29
  Nick Massey: somebody,
• 42:29
  Nick Massey: you
• 42:30
  Nick Massey: will
• 42:30
  Nick Massey: be
• 42:30
  Nick Massey: named
• 42:30
  Nick Massey: in
• 42:30
  Nick Massey: the
• 42:30
  Nick Massey: lawsuit,
• 42:31
  Nick Massey: and
• 42:31
  Nick Massey: you
• 42:31
  Nick Massey: do
• 42:31
  Nick Massey: not
• 42:31
  Nick Massey: have
• 42:32
  Nick Massey: coverage
• 42:32
  Nick Massey: under
• 42:32
  Nick Massey: that
• 42:32
  Nick Massey: type
• 42:33
  Nick Massey: of
• 42:33
  Nick Massey: form.
• 42:34
  Nick Massey: Okay?
• 42:35
  Nick Massey: So,
• 42:35
  Nick Massey: same
• 42:35
  Nick Massey: thing
• 42:36
  Nick Massey: if
• 42:36
  Nick Massey: you're
• 42:36
  Nick Massey: waterfront.
• 42:37
  Nick Massey: If
• 42:37
  Nick Massey: you're
• 42:37
  Nick Massey: a
• 42:37
  Nick Massey: lakefront
• 42:38
  Nick Massey: property,
• 42:38
  Nick Massey: riverfront
• 42:39
  Nick Massey: property,
• 42:39
  Nick Massey: you
• 42:39
  Nick Massey: do
• 42:40
  Nick Massey: not
• 42:40
  Nick Massey: own
• 42:41
  Nick Massey: that
• 42:41
  Nick Massey: lake.
• 42:42
  Nick Massey: If
• 42:42
  Nick Massey: that
• 42:42
  Nick Massey: guest
• 42:43
  Nick Massey: goes
• 42:43
  Nick Massey: out
• 42:43
  Nick Massey: and
• 42:43
  Nick Massey: you're
• 42:43
  Nick Massey: provided
• 42:44
  Nick Massey: canoe
• 42:44
  Nick Massey: or
• 42:44
  Nick Massey: kayak
• 42:45
  Nick Massey: and
• 42:45
  Nick Massey: becomes
• 42:45
  Nick Massey: injured
• 42:45
  Nick Massey: and
• 42:45
  Nick Massey: you
• 42:46
  Nick Massey: have
• 42:46
  Nick Massey: premises
• 42:46
  Nick Massey: liability,
• 42:47
  Nick Massey: you
• 42:47
  Nick Massey: have
• 42:47
  Nick Massey: no
• 42:47
  Nick Massey: coverage.
• 42:49
  Nick Massey: And
• 42:49
  Nick Massey: so
• 42:49
  Nick Massey: those
• 42:50
  Nick Massey: are,
• 42:50
  Nick Massey: if
• 42:50
  Nick Massey: you're
• 42:50
  Nick Massey: offering
• 42:50
  Nick Massey: that
• 42:51
  Nick Massey: type
• 42:51
  Nick Massey: of
• 42:51
  Nick Massey: amenity,
• 42:52
  Nick Massey: especially
• 42:53
  Nick Massey: pet
• 42:53
  Nick Massey: friendly
• 42:54
  Nick Massey: or
• 42:54
  Nick Massey: you
• 42:54
  Nick Massey: have
• 42:55
  Nick Massey: amenities
• 42:55
  Nick Massey: that
• 42:55
  Nick Massey: take
• 42:55
  Nick Massey: the
• 42:56
  Nick Massey: guest
• 42:56
  Nick Massey: off
• 42:56
  Nick Massey: premises,
• 42:57
  Nick Massey: you
• 42:57
  Nick Massey: really
• 42:58
  Nick Massey: just
• 42:58
  Nick Massey: need
• 42:58
  Nick Massey: to
• 42:58
  Nick Massey: be
• 42:58
  Nick Massey: looking
• 42:59
  Nick Massey: at
• 42:59
  Nick Massey: a
• 42:59
  Nick Massey: policy
• 42:59
  Nick Massey: that
• 43:00
  Nick Massey: offers
• 43:00
  Nick Massey: commercial
• 43:00
  Nick Massey: liability.
• 43:01
  Nick Massey: Because
• 43:02
  Nick Massey: it
• 43:02
  Nick Massey: extends
• 43:02
  Nick Massey: beyond
• 43:03
  Nick Massey: your
• 43:03
  Nick Massey: property
• 43:03
  Nick Massey: line.
• 43:04
  Sarah Karakaian: That's
• 43:04
  Sarah Karakaian: huge,
• 43:05
  Sarah Karakaian: yeah.
• 43:05
  Sarah Karakaian: So
• 43:05
  Sarah Karakaian: what
• 43:05
  Sarah Karakaian: you're
• 43:05
  Sarah Karakaian: saying
• 43:05
  Sarah Karakaian: is
• 43:05
  Sarah Karakaian: we
• 43:05
  Sarah Karakaian: have
• 43:06
  Sarah Karakaian: responsibilities
• 43:06
  Sarah Karakaian: as
• 43:07
  Sarah Karakaian: short
• 43:07
  Sarah Karakaian: term
• 43:07
  Sarah Karakaian: rental
• 43:08
  Sarah Karakaian: hosts
• 43:08
  Sarah Karakaian: that
• 43:08
  Sarah Karakaian: we
• 43:08
  Sarah Karakaian: need
• 43:08
  Sarah Karakaian: to
• 43:09
  Sarah Karakaian: Okay,
• 43:09
  Sarah Karakaian: actually,
• 43:10
  Sarah Karakaian: speaking
• 43:10
  Sarah Karakaian: of
• 43:10
  Sarah Karakaian: short
• 43:10
  Sarah Karakaian: term
• 43:10
  Sarah Karakaian: rental
• 43:10
  Sarah Karakaian: hosts
• 43:12
  Sarah Karakaian: They're
• 43:12
  Sarah Karakaian: becoming
• 43:12
  Sarah Karakaian: we
• 43:12
  Sarah Karakaian: come
• 43:13
  Sarah Karakaian: in
• 43:13
  Sarah Karakaian: all
• 43:13
  Sarah Karakaian: shapes
• 43:13
  Sarah Karakaian: and
• 43:13
  Sarah Karakaian: sizes
• 43:14
  Sarah Karakaian: and
• 43:15
  Sarah Karakaian: business
• 43:15
  Sarah Karakaian: forms,
• 43:16
  Sarah Karakaian: Nick.
• 43:17
  Sarah Karakaian: So
• 43:18
  Sarah Karakaian: talk
• 43:18
  Sarah Karakaian: to
• 43:18
  Sarah Karakaian: me
• 43:18
  Sarah Karakaian: about
• 43:19
  Sarah Karakaian: Annette
• 43:20
  Sarah Karakaian: and
• 43:20
  Sarah Karakaian: I
• 43:20
  Sarah Karakaian: have
• 43:20
  Sarah Karakaian: never
• 43:20
  Sarah Karakaian: done
• 43:21
  Sarah Karakaian: arbitrage.
• 43:22
  Sarah Karakaian: We
• 43:22
  Sarah Karakaian: don't
• 43:22
  Sarah Karakaian: particularly
• 43:23
  Sarah Karakaian: like
• 43:23
  Sarah Karakaian: it
• 43:24
  Sarah Karakaian: as
• 43:24
  Sarah Karakaian: a
• 43:24
  Sarah Karakaian: form
• 43:24
  Sarah Karakaian: of
• 43:25
  Sarah Karakaian: of
• 43:25
  Sarah Karakaian: hosting
• 43:26
  Sarah Karakaian: properties,
• 43:26
  Sarah Karakaian: but
• 43:27
  Sarah Karakaian: we
• 43:27
  Sarah Karakaian: want
• 43:27
  Sarah Karakaian: to
• 43:27
  Sarah Karakaian: support
• 43:27
  Sarah Karakaian: our
• 43:27
  Sarah Karakaian: arbitrage
• 43:28
  Sarah Karakaian: is
• 43:28
  Sarah Karakaian: out
• 43:28
  Sarah Karakaian: there
• 43:28
  Sarah Karakaian: because
• 43:28
  Sarah Karakaian: if
• 43:28
  Sarah Karakaian: they're
• 43:29
  Sarah Karakaian: gonna
• 43:29
  Sarah Karakaian: do
• 43:29
  Sarah Karakaian: it,
• 43:30
  Sarah Karakaian: they're
• 43:30
  Sarah Karakaian: gonna
• 43:30
  Sarah Karakaian: do
• 43:30
  Sarah Karakaian: it
• 43:30
  Sarah Karakaian: anyway.
• 43:31
  Sarah Karakaian: There's
• 43:32
  Sarah Karakaian: a
• 43:32
  Sarah Karakaian: landlord.
• 43:33
  Sarah Karakaian: There's
• 43:33
  Sarah Karakaian: someone
• 43:33
  Sarah Karakaian: who
• 43:33
  Sarah Karakaian: owns
• 43:33
  Sarah Karakaian: the
• 43:34
  Sarah Karakaian: property
• 43:35
  Sarah Karakaian: and
• 43:35
  Sarah Karakaian: they
• 43:35
  Sarah Karakaian: are
• 43:35
  Sarah Karakaian: hopefully
• 43:36
  Sarah Karakaian: agreeing
• 43:37
  Sarah Karakaian: with
• 43:37
  Sarah Karakaian: the
• 43:37
  Sarah Karakaian: arbitrage
• 43:37
  Sarah Karakaian: or
• 43:38
  Sarah Karakaian: for
• 43:38
  Sarah Karakaian: them
• 43:38
  Sarah Karakaian: to
• 43:39
  Sarah Karakaian: have
• 43:39
  Sarah Karakaian: this
• 43:40
  Sarah Karakaian: business.
• 43:41
  Sarah Karakaian: Property.
• 43:42
  Sarah Karakaian: Does
• 43:42
  Sarah Karakaian: proper
• 43:42
  Sarah Karakaian: work
• 43:43
  Sarah Karakaian: with
• 43:43
  Sarah Karakaian: arbitrage
• 43:44
  Sarah Karakaian: hosts
• 43:44
  Sarah Karakaian: to
• 43:45
  Sarah Karakaian: offer
• 43:45
  Sarah Karakaian: them
• 43:45
  Sarah Karakaian: some
• 43:46
  Sarah Karakaian: sort
• 43:46
  Sarah Karakaian: of
• 43:46
  Sarah Karakaian: commercial
• 43:46
  Sarah Karakaian: protection,
• 43:47
  Sarah Karakaian: or
• 43:47
  Sarah Karakaian: does
• 43:47
  Sarah Karakaian: the
• 43:47
  Sarah Karakaian: landlord
• 43:47
  Sarah Karakaian: have
• 43:48
  Sarah Karakaian: to
• 43:48
  Sarah Karakaian: get
• 43:48
  Sarah Karakaian: it?
• 43:49
  Sarah Karakaian: Do
• 43:49
  Sarah Karakaian: you
• 43:49
  Sarah Karakaian: even
• 43:49
  Sarah Karakaian: touch
• 43:50
  Sarah Karakaian: this?
• 43:50
  Sarah Karakaian: Talk
• 43:50
  Sarah Karakaian: to
• 43:50
  Sarah Karakaian: us
• 43:50
  Sarah Karakaian: about
• 43:51
  Sarah Karakaian: arbitrage.
• 43:52
  Nick Massey: Yeah,
• 43:52
  Nick Massey: so
• 43:52
  Nick Massey: we,
• 43:53
  Nick Massey: we
• 43:53
  Nick Massey: invented
• 43:54
  Nick Massey: the
• 43:54
  Nick Massey: arbitrage
• 43:54
  Nick Massey: policy.
• 43:55
  Nick Massey: Uh,
• 43:56
  Nick Massey: so,
• 43:56
  Nick Massey: so
• 43:57
  Nick Massey: we
• 43:57
  Nick Massey: know,
• 43:58
  Nick Massey: we
• 43:58
  Nick Massey: know
• 43:58
  Nick Massey: this
• 43:58
  Nick Massey: through
• 43:59
  Nick Massey: and
• 43:59
  Nick Massey: through,
• 43:59
  Nick Massey: and
• 43:59
  Nick Massey: so
• 43:59
  Nick Massey: we
• 44:00
  Nick Massey: can
• 44:00
  Nick Massey: operate
• 44:01
  Nick Massey: in,
• 44:01
  Nick Massey: um,
• 44:02
  Nick Massey: we
• 44:02
  Nick Massey: can
• 44:03
  Nick Massey: do
• 44:03
  Nick Massey: it
• 44:03
  Nick Massey: a
• 44:03
  Nick Massey: couple
• 44:03
  Nick Massey: of
• 44:03
  Nick Massey: different
• 44:03
  Nick Massey: ways.
• 44:04
  Nick Massey: So,
• 44:05
  Nick Massey: uh.
• 44:06
  Nick Massey: In,
• 44:06
  Nick Massey: in
• 44:06
  Nick Massey: the
• 44:06
  Nick Massey: sense
• 44:07
  Nick Massey: that
• 44:07
  Nick Massey: you're
• 44:07
  Nick Massey: renting
• 44:08
  Nick Massey: an
• 44:08
  Nick Massey: apartment
• 44:08
  Nick Massey: in
• 44:09
  Nick Massey: Boston
• 44:10
  Nick Massey: or
• 44:10
  Nick Massey: Seattle
• 44:10
  Nick Massey: or
• 44:11
  Nick Massey: Dallas
• 44:11
  Nick Massey: or
• 44:11
  Nick Massey: whatever
• 44:12
  Nick Massey: and
• 44:12
  Nick Massey: you're,
• 44:12
  Nick Massey: you
• 44:12
  Nick Massey: know,
• 44:13
  Nick Massey: Graystar,
• 44:13
  Nick Massey: for
• 44:14
  Nick Massey: example,
• 44:14
  Nick Massey: they're
• 44:14
  Nick Massey: a
• 44:14
  Nick Massey: massive
• 44:15
  Nick Massey: apartment
• 44:15
  Nick Massey: developer
• 44:16
  Nick Massey: across
• 44:16
  Nick Massey: the
• 44:16
  Nick Massey: United
• 44:16
  Nick Massey: States
• 44:17
  Nick Massey: and,
• 44:17
  Nick Massey: um,
• 44:18
  Nick Massey: we
• 44:18
  Nick Massey: have,
• 44:18
  Nick Massey: I
• 44:19
  Nick Massey: use
• 44:19
  Nick Massey: that
• 44:19
  Nick Massey: name
• 44:19
  Nick Massey: cause
• 44:19
  Nick Massey: they're
• 44:20
  Nick Massey: additional
• 44:20
  Nick Massey: insured
• 44:20
  Nick Massey: on
• 44:20
  Nick Massey: a
• 44:20
  Nick Massey: lot
• 44:21
  Nick Massey: of
• 44:21
  Nick Massey: our
• 44:21
  Nick Massey: arbitrage
• 44:22
  Nick Massey: policies,
• 44:22
  Nick Massey: so,
• 44:23
  Nick Massey: uh,
• 44:23
  Nick Massey: so
• 44:23
  Nick Massey: you
• 44:24
  Nick Massey: go
• 44:24
  Nick Massey: into
• 44:24
  Nick Massey: that
• 44:24
  Nick Massey: apartment
• 44:24
  Nick Massey: building,
• 44:25
  Nick Massey: they
• 44:25
  Nick Massey: have
• 44:25
  Nick Massey: a
• 44:25
  Nick Massey: massive
• 44:26
  Nick Massey: insurance
• 44:27
  Nick Massey: policy
• 44:27
  Nick Massey: that
• 44:27
  Nick Massey: covers
• 44:28
  Nick Massey: the
• 44:28
  Nick Massey: structure.
• 44:29
  Nick Massey: You
• 44:29
  Nick Massey: need
• 44:29
  Nick Massey: to
• 44:29
  Nick Massey: get
• 44:29
  Nick Massey: what's
• 44:30
  Nick Massey: called
• 44:30
  Nick Massey: basically
• 44:30
  Nick Massey: renter's
• 44:31
  Nick Massey: insurance.
• 44:32
  Nick Massey: And
• 44:32
  Nick Massey: so,
• 44:33
  Nick Massey: if
• 44:33
  Nick Massey: you
• 44:33
  Nick Massey: called
• 44:34
  Nick Massey: up,
• 44:34
  Nick Massey: say,
• 44:34
  Nick Massey: State
• 44:35
  Nick Massey: Farm
• 44:35
  Nick Massey: or
• 44:35
  Nick Massey: Allstate,
• 44:36
  Nick Massey: you
• 44:36
  Nick Massey: can
• 44:36
  Nick Massey: get
• 44:36
  Nick Massey: a
• 44:36
  Nick Massey: renter's
• 44:37
  Nick Massey: insurance
• 44:37
  Nick Massey: policy,
• 44:38
  Nick Massey: also
• 44:38
  Nick Massey: called
• 44:39
  Nick Massey: an
• 44:39
  Nick Massey: HO4,
• 44:39
  Nick Massey: uh,
• 44:40
  Nick Massey: for
• 44:41
  Nick Massey: 20
• 44:42
  Nick Massey: bucks
• 44:42
  Nick Massey: a
• 44:43
  Nick Massey: month.
• 44:43
  Nick Massey: Super
• 44:43
  Nick Massey: cheap.
• 44:44
  Nick Massey: But,
• 44:44
  Nick Massey: because
• 44:45
  Nick Massey: it's
• 44:45
  Nick Massey: an
• 44:46
  Nick Massey: HO
• 44:46
  Nick Massey: form,
• 44:46
  Nick Massey: or
• 44:46
  Nick Massey: homeowner's
• 44:47
  Nick Massey: form,
• 44:47
  Nick Massey: it's
• 44:47
  Nick Massey: on
• 44:48
  Nick Massey: the
• 44:48
  Nick Massey: basis
• 44:48
  Nick Massey: of
• 44:48
  Nick Massey: your
• 44:48
  Nick Massey: resident's
• 44:49
  Nick Massey: premises.
• 44:49
  Nick Massey: So
• 44:49
  Nick Massey: again,
• 44:50
  Nick Massey: now
• 44:50
  Nick Massey: you
• 44:50
  Nick Massey: have
• 44:50
  Nick Massey: business
• 44:50
  Nick Massey: activity
• 44:51
  Nick Massey: exclusions
• 44:51
  Nick Massey: and
• 44:52
  Nick Massey: you
• 44:52
  Nick Massey: got,
• 44:53
  Nick Massey: you're
• 44:53
  Nick Massey: not
• 44:53
  Nick Massey: going
• 44:53
  Nick Massey: to
• 44:53
  Nick Massey: have
• 44:53
  Nick Massey: any
• 44:53
  Nick Massey: coverage.
• 44:54
  Nick Massey: So
• 44:54
  Nick Massey: what
• 44:54
  Nick Massey: we
• 44:54
  Nick Massey: did,
• 44:55
  Nick Massey: was
• 44:55
  Nick Massey: we
• 44:55
  Nick Massey: essentially
• 44:56
  Nick Massey: Just
• 44:57
  Nick Massey: took
• 44:57
  Nick Massey: our
• 44:58
  Nick Massey: commercial
• 44:59
  Nick Massey: property
• 44:59
  Nick Massey: coverage
• 45:00
  Nick Massey: and
• 45:00
  Nick Massey: liability
• 45:00
  Nick Massey: coverage
• 45:01
  Nick Massey: that's
• 45:01
  Nick Massey: enhanced
• 45:01
  Nick Massey: and
• 45:02
  Nick Massey: custom
• 45:02
  Nick Massey: built
• 45:02
  Nick Massey: for
• 45:02
  Nick Massey: short
• 45:02
  Nick Massey: term
• 45:03
  Nick Massey: rentals
• 45:03
  Nick Massey: And
• 45:04
  Nick Massey: we
• 45:04
  Nick Massey: sell
• 45:04
  Nick Massey: you
• 45:04
  Nick Massey: a
• 45:05
  Nick Massey: commercial
• 45:05
  Nick Massey: renter's
• 45:06
  Nick Massey: insurance
• 45:07
  Nick Massey: So
• 45:07
  Nick Massey: instead
• 45:07
  Nick Massey: of
• 45:08
  Nick Massey: 20
• 45:08
  Nick Massey: bucks
• 45:08
  Nick Massey: a
• 45:08
  Nick Massey: month
• 45:08
  Nick Massey: now
• 45:09
  Nick Massey: It's
• 45:09
  Nick Massey: it
• 45:09
  Nick Massey: was
• 45:09
  Nick Massey: like
• 45:10
  Nick Massey: 88
• 45:10
  Nick Massey: bucks
• 45:10
  Nick Massey: a
• 45:10
  Nick Massey: month
• 45:11
  Nick Massey: is
• 45:11
  Nick Massey: what
• 45:11
  Nick Massey: it
• 45:11
  Nick Massey: comes
• 45:11
  Nick Massey: out
• 45:11
  Nick Massey: to
• 45:12
  Nick Massey: on
• 45:12
  Nick Massey: our
• 45:12
  Nick Massey: on
• 45:12
  Nick Massey: our
• 45:12
  Nick Massey: minimum
• 45:13
  Nick Massey: premiums
• 45:14
  Nick Massey: and
• 45:14
  Nick Massey: it
• 45:14
  Nick Massey: covers
• 45:15
  Nick Massey: contents
• 45:17
  Nick Massey: In
• 45:17
  Nick Massey: that
• 45:17
  Nick Massey: contents
• 45:18
  Nick Massey: limit
• 45:18
  Nick Massey: that
• 45:18
  Nick Massey: you
• 45:18
  Nick Massey: select
• 45:19
  Nick Massey: and
• 45:19
  Nick Massey: purchase
• 45:19
  Nick Massey: from
• 45:19
  Nick Massey: us,
• 45:20
  Nick Massey: you're
• 45:20
  Nick Massey: also
• 45:20
  Nick Massey: going
• 45:21
  Nick Massey: to
• 45:21
  Nick Massey: get
• 45:21
  Nick Massey: coverage
• 45:21
  Nick Massey: for
• 45:21
  Nick Massey: the
• 45:21
  Nick Massey: structure
• 45:22
  Nick Massey: in
• 45:22
  Nick Massey: relation
• 45:22
  Nick Massey: to
• 45:23
  Nick Massey: guest
• 45:23
  Nick Massey: caused
• 45:24
  Nick Massey: damage,
• 45:24
  Nick Massey: accidental
• 45:25
  Nick Massey: or
• 45:25
  Nick Massey: malicious.
• 45:26
  Nick Massey: So
• 45:26
  Nick Massey: if
• 45:26
  Nick Massey: you've
• 45:26
  Nick Massey: got
• 45:26
  Nick Massey: a
• 45:27
  Nick Massey: 30,
• 45:28
  Nick Massey: 000
• 45:28
  Nick Massey: content
• 45:28
  Nick Massey: limit,
• 45:29
  Nick Massey: which
• 45:29
  Nick Massey: is
• 45:29
  Nick Massey: technically
• 45:30
  Nick Massey: for
• 45:30
  Nick Massey: your
• 45:30
  Nick Massey: furniture,
• 45:31
  Nick Massey: but
• 45:32
  Nick Massey: that
• 45:32
  Nick Massey: guest
• 45:32
  Nick Massey: gets
• 45:32
  Nick Massey: drunk
• 45:33
  Nick Massey: and
• 45:33
  Nick Massey: punches
• 45:33
  Nick Massey: holes
• 45:33
  Nick Massey: in
• 45:33
  Nick Massey: the
• 45:33
  Nick Massey: wall
• 45:34
  Nick Massey: or
• 45:34
  Nick Massey: wrecks
• 45:34
  Nick Massey: countertops,
• 45:35
  Nick Massey: you
• 45:35
  Nick Massey: can
• 45:35
  Nick Massey: extend
• 45:36
  Nick Massey: that
• 45:36
  Nick Massey: limit
• 45:36
  Nick Massey: to
• 45:36
  Nick Massey: cover
• 45:36
  Nick Massey: that.
• 45:37
  Nick Massey: within
• 45:38
  Nick Massey: whatever
• 45:38
  Nick Massey: the,
• 45:39
  Nick Massey: as
• 45:39
  Nick Massey: long
• 45:39
  Nick Massey: as
• 45:39
  Nick Massey: you
• 45:39
  Nick Massey: don't
• 45:39
  Nick Massey: exceed
• 45:39
  Nick Massey: the
• 45:40
  Nick Massey: limit,
• 45:40
  Nick Massey: business
• 45:41
  Nick Massey: income,
• 45:41
  Nick Massey: and
• 45:41
  Nick Massey: then
• 45:42
  Nick Massey: a
• 45:42
  Nick Massey: million
• 45:42
  Nick Massey: dollars
• 45:43
  Nick Massey: in
• 45:43
  Nick Massey: commercial
• 45:43
  Nick Massey: liability,
• 45:44
  Nick Massey: and
• 45:44
  Nick Massey: then
• 45:44
  Nick Massey: we
• 45:44
  Nick Massey: name
• 45:45
  Nick Massey: your
• 45:45
  Nick Massey: landlord
• 45:45
  Nick Massey: as
• 45:45
  Nick Massey: additional
• 45:46
  Nick Massey: insured,
• 45:47
  Nick Massey: uh,
• 45:47
  Nick Massey: on
• 45:47
  Nick Massey: that.
• 45:48
  Nick Massey: If
• 45:48
  Nick Massey: you're
• 45:49
  Nick Massey: renting
• 45:49
  Nick Massey: a,
• 45:49
  Nick Massey: a
• 45:49
  Nick Massey: single
• 45:50
  Nick Massey: family
• 45:50
  Nick Massey: home,
• 45:51
  Nick Massey: for
• 45:51
  Nick Massey: example,
• 45:52
  Nick Massey: it
• 45:52
  Nick Massey: works
• 45:52
  Nick Massey: the
• 45:52
  Nick Massey: same
• 45:53
  Nick Massey: way,
• 45:54
  Nick Massey: and
• 45:54
  Nick Massey: the
• 45:54
  Nick Massey: landlord,
• 45:55
  Nick Massey: so,
• 45:56
  Nick Massey: I'm
• 45:57
  Nick Massey: arbitraging
• 45:58
  Nick Massey: from
• 45:58
  Nick Massey: Sarah
• 45:58
  Nick Massey: Nanette,
• 45:59
  Nick Massey: you
• 45:59
  Nick Massey: own
• 45:59
  Nick Massey: a,
• 45:59
  Nick Massey: you
• 46:00
  Nick Massey: mentioned
• 46:00
  Nick Massey: a
• 46:00
  Nick Massey: townhouse,
• 46:01
  Nick Massey: so
• 46:01
  Nick Massey: you
• 46:01
  Nick Massey: own
• 46:02
  Nick Massey: that
• 46:02
  Nick Massey: townhouse,
• 46:02
  Nick Massey: I
• 46:03
  Nick Massey: can
• 46:03
  Nick Massey: go
• 46:03
  Nick Massey: and
• 46:03
  Nick Massey: get,
• 46:04
  Nick Massey: Contents
• 46:05
  Nick Massey: coverage,
• 46:05
  Nick Massey: income
• 46:06
  Nick Massey: coverage,
• 46:06
  Nick Massey: liability,
• 46:07
  Nick Massey: name
• 46:07
  Nick Massey: you
• 46:07
  Nick Massey: to
• 46:07
  Nick Massey: as
• 46:08
  Nick Massey: additional
• 46:08
  Nick Massey: insured
• 46:09
  Nick Massey: for
• 46:09
  Nick Massey: around
• 46:09
  Nick Massey: 1,
• 46:09
  Nick Massey: 200
• 46:10
  Nick Massey: a
• 46:10
  Nick Massey: year
• 46:11
  Nick Massey: from
• 46:11
  Nick Massey: proper
• 46:11
  Nick Massey: insurance.
• 46:12
  Nick Massey: And
• 46:12
  Nick Massey: then
• 46:12
  Nick Massey: I'm
• 46:12
  Nick Massey: good
• 46:12
  Nick Massey: to
• 46:13
  Nick Massey: go,
• 46:13
  Nick Massey: and
• 46:13
  Nick Massey: I
• 46:13
  Nick Massey: can
• 46:13
  Nick Massey: operate.
• 46:14
  Nick Massey: Now,
• 46:15
  Nick Massey: We
• 46:16
  Nick Massey: had
• 46:16
  Nick Massey: made
• 46:16
  Nick Massey: some
• 46:16
  Nick Massey: adjustments
• 46:17
  Nick Massey: because
• 46:18
  Nick Massey: then,
• 46:19
  Nick Massey: as
• 46:19
  Nick Massey: the
• 46:19
  Nick Massey: insurance
• 46:20
  Nick Massey: market
• 46:20
  Nick Massey: in
• 46:21
  Nick Massey: the
• 46:21
  Nick Massey: retail
• 46:21
  Nick Massey: space
• 46:22
  Nick Massey: starts
• 46:22
  Nick Massey: to
• 46:22
  Nick Massey: mature
• 46:23
  Nick Massey: to
• 46:23
  Nick Massey: this
• 46:23
  Nick Massey: exposure,
• 46:24
  Nick Massey: we
• 46:24
  Nick Massey: start
• 46:25
  Nick Massey: seeing
• 46:25
  Nick Massey: that
• 46:25
  Nick Massey: Sarah
• 46:26
  Nick Massey: Nanette's
• 46:26
  Nick Massey: landlord
• 46:27
  Nick Massey: insurance
• 46:27
  Nick Massey: provider
• 46:28
  Nick Massey: is
• 46:28
  Nick Massey: coming
• 46:29
  Nick Massey: in
• 46:29
  Nick Massey: and
• 46:29
  Nick Massey: saying,
• 46:29
  Nick Massey: If
• 46:29
  Nick Massey: you're
• 46:29
  Nick Massey: doing
• 46:30
  Nick Massey: this,
• 46:30
  Nick Massey: we're
• 46:30
  Nick Massey: not
• 46:30
  Nick Massey: going
• 46:31
  Nick Massey: to
• 46:31
  Nick Massey: cover
• 46:31
  Nick Massey: anything.
• 46:32
  Nick Massey: Electrical
• 46:32
  Nick Massey: fire,
• 46:32
  Nick Massey: storms,
• 46:33
  Nick Massey: nothing.
• 46:34
  Nick Massey: So,
• 46:35
  Nick Massey: we're
• 46:35
  Nick Massey: able
• 46:35
  Nick Massey: to
• 46:35
  Nick Massey: also
• 46:36
  Nick Massey: insure
• 46:36
  Nick Massey: the
• 46:36
  Nick Massey: landlord.
• 46:38
  Nick Massey: On
• 46:38
  Nick Massey: a
• 46:38
  Nick Massey: more
• 46:38
  Nick Massey: or
• 46:38
  Nick Massey: less
• 46:39
  Nick Massey: commercial
• 46:39
  Nick Massey: landlord
• 46:40
  Nick Massey: insurance
• 46:40
  Nick Massey: policy,
• 46:41
  Nick Massey: so
• 46:41
  Nick Massey: we'd
• 46:41
  Nick Massey: cover
• 46:41
  Nick Massey: your,
• 46:42
  Nick Massey: the
• 46:42
  Nick Massey: structure.
• 46:43
  Nick Massey: We
• 46:43
  Nick Massey: would
• 46:43
  Nick Massey: cover
• 46:44
  Nick Massey: nothing
• 46:44
  Nick Massey: in
• 46:44
  Nick Massey: contents,
• 46:45
  Nick Massey: because
• 46:45
  Nick Massey: it's
• 46:45
  Nick Massey: not
• 46:45
  Nick Massey: your
• 46:46
  Nick Massey: furniture
• 46:46
  Nick Massey: that's
• 46:46
  Nick Massey: in
• 46:46
  Nick Massey: there.
• 46:47
  Nick Massey: And
• 46:47
  Nick Massey: we'd
• 46:47
  Nick Massey: cover
• 46:48
  Nick Massey: 12
• 46:48
  Nick Massey: months
• 46:48
  Nick Massey: of
• 46:49
  Nick Massey: loss
• 46:49
  Nick Massey: of
• 46:49
  Nick Massey: rent,
• 46:49
  Nick Massey: so
• 46:49
  Nick Massey: if
• 46:49
  Nick Massey: it's
• 46:50
  Nick Massey: 3,
• 46:51
  Nick Massey: 000
• 46:51
  Nick Massey: a
• 46:51
  Nick Massey: month
• 46:51
  Nick Massey: you're
• 46:51
  Nick Massey: collecting
• 46:52
  Nick Massey: from
• 46:52
  Nick Massey: the
• 46:52
  Nick Massey: arbitrageor,
• 46:53
  Nick Massey: then
• 46:53
  Nick Massey: you
• 46:54
  Nick Massey: get
• 46:54
  Nick Massey: 36,
• 46:54
  Nick Massey: 000
• 46:55
  Nick Massey: in
• 46:55
  Nick Massey: income,
• 46:56
  Nick Massey: plus
• 46:56
  Nick Massey: we
• 46:56
  Nick Massey: give
• 46:56
  Nick Massey: you
• 46:56
  Nick Massey: a
• 46:56
  Nick Massey: million
• 46:57
  Nick Massey: in
• 46:57
  Nick Massey: liability
• 46:57
  Nick Massey: as
• 46:58
  Nick Massey: well.
• 46:58
  Nick Massey: So
• 46:58
  Nick Massey: we
• 46:59
  Nick Massey: can
• 46:59
  Nick Massey: just
• 47:00
  Nick Massey: insure
• 47:00
  Nick Massey: the,
• 47:00
  Nick Massey: the
• 47:01
  Nick Massey: sub
• 47:01
  Nick Massey: letter.
• 47:01
  Nick Massey: We
• 47:01
  Nick Massey: can
• 47:01
  Nick Massey: also
• 47:02
  Nick Massey: insure
• 47:02
  Nick Massey: the
• 47:02
  Nick Massey: landlord
• 47:03
  Nick Massey: and
• 47:03
  Nick Massey: the
• 47:03
  Nick Massey: sub
• 47:04
  Nick Massey: letter.
• 47:04
  Nick Massey: Um,
• 47:05
  Nick Massey: we
• 47:05
  Nick Massey: have
• 47:05
  Nick Massey: a
• 47:05
  Nick Massey: couple
• 47:06
  Nick Massey: of
• 47:06
  Nick Massey: accounts
• 47:07
  Nick Massey: where
• 47:07
  Nick Massey: the,
• 47:08
  Nick Massey: the
• 47:08
  Nick Massey: sub
• 47:09
  Nick Massey: letter
• 47:09
  Nick Massey: is
• 47:09
  Nick Massey: not
• 47:09
  Nick Massey: using
• 47:10
  Nick Massey: proper,
• 47:11
  Nick Massey: they're
• 47:11
  Nick Massey: using
• 47:11
  Nick Massey: a
• 47:11
  Nick Massey: different
• 47:12
  Nick Massey: commercial
• 47:12
  Nick Massey: policy.
• 47:13
  Nick Massey: And
• 47:14
  Nick Massey: so
• 47:14
  Nick Massey: one
• 47:14
  Nick Massey: of
• 47:14
  Nick Massey: our
• 47:14
  Nick Massey: underwriting
• 47:15
  Nick Massey: requirements
• 47:15
  Nick Massey: to
• 47:15
  Nick Massey: that
• 47:16
  Nick Massey: landlord
• 47:16
  Nick Massey: is
• 47:17
  Nick Massey: you
• 47:17
  Nick Massey: need
• 47:17
  Nick Massey: to
• 47:18
  Nick Massey: have
• 47:18
  Nick Massey: XYZ
• 47:19
  Nick Massey: company
• 47:19
  Nick Massey: provide
• 47:20
  Nick Massey: you
• 47:20
  Nick Massey: proof
• 47:20
  Nick Massey: of
• 47:21
  Nick Massey: a
• 47:21
  Nick Massey: million
• 47:21
  Nick Massey: dollars
• 47:22
  Nick Massey: in
• 47:22
  Nick Massey: commercial
• 47:22
  Nick Massey: liability
• 47:23
  Nick Massey: with
• 47:23
  Nick Massey: your
• 47:23
  Nick Massey: name
• 47:23
  Nick Massey: as
• 47:24
  Nick Massey: additional
• 47:24
  Nick Massey: insured
• 47:24
  Nick Massey: on
• 47:25
  Nick Massey: it.
• 47:25
  Nick Massey: And
• 47:25
  Nick Massey: then,
• 47:26
  Nick Massey: then
• 47:26
  Nick Massey: I
• 47:26
  Nick Massey: don't
• 47:27
  Nick Massey: have
• 47:27
  Nick Massey: to
• 47:27
  Nick Massey: insure
• 47:27
  Nick Massey: the,
• 47:28
  Nick Massey: the
• 47:28
  Nick Massey: sub
• 47:28
  Nick Massey: letter.
• 47:30
  Annette Grant: What
• 47:30
  Annette Grant: if
• 47:30
  Annette Grant: you,
• 47:30
  Annette Grant: okay,
• 47:31
  Annette Grant: we
• 47:31
  Annette Grant: have
• 47:31
  Annette Grant: a
• 47:31
  Annette Grant: lot
• 47:31
  Annette Grant: of
• 47:31
  Annette Grant: these
• 47:32
  Annette Grant: listeners.
• 47:33
  Annette Grant: Either
• 47:33
  Annette Grant: they
• 47:34
  Annette Grant: are
• 47:34
  Annette Grant: co
• 47:34
  Annette Grant: host
• 47:34
  Annette Grant: and
• 47:35
  Annette Grant: co
• 47:35
  Annette Grant: hosting
• 47:35
  Annette Grant: the
• 47:35
  Annette Grant: property
• 47:37
  Annette Grant: and
• 47:37
  Annette Grant: or
• 47:38
  Annette Grant: folks
• 47:39
  Annette Grant: that
• 47:39
  Annette Grant: hire
• 47:39
  Annette Grant: property
• 47:40
  Annette Grant: managers
• 47:41
  Annette Grant: to
• 47:42
  Annette Grant: manage
• 47:42
  Annette Grant: their
• 47:42
  Annette Grant: property.
• 47:43
  Annette Grant: What,
• 47:43
  Annette Grant: so
• 47:44
  Annette Grant: let's
• 47:44
  Annette Grant: start
• 47:44
  Annette Grant: with
• 47:44
  Annette Grant: the
• 47:44
  Annette Grant: co
• 47:44
  Annette Grant: host.
• 47:45
  Annette Grant: What
• 47:45
  Annette Grant: do
• 47:45
  Annette Grant: they
• 47:46
  Annette Grant: need
• 47:46
  Annette Grant: as
• 47:46
  Annette Grant: far
• 47:47
  Annette Grant: as
• 47:47
  Annette Grant: coverage
• 47:48
  Annette Grant: in
• 47:48
  Annette Grant: addition
• 47:49
  Annette Grant: to
• 47:49
  Annette Grant: the
• 47:49
  Annette Grant: homeowner?
• 47:51
  Nick Massey: Yeah,
• 47:51
  Nick Massey: so
• 47:52
  Nick Massey: co
• 47:52
  Nick Massey: host
• 47:52
  Nick Massey: specifically,
• 47:53
  Nick Massey: not
• 47:54
  Nick Massey: talking
• 47:54
  Nick Massey: about,
• 47:56
  Nick Massey: not
• 47:56
  Nick Massey: talking
• 47:56
  Nick Massey: about
• 47:57
  Nick Massey: like
• 47:57
  Nick Massey: a
• 47:57
  Nick Massey: larger,
• 47:58
  Nick Massey: you
• 47:59
  Nick Massey: know,
• 47:59
  Nick Massey: XYZ
• 47:59
  Nick Massey: management
• 48:00
  Nick Massey: LLC,
• 48:00
  Nick Massey: right?
• 48:01
  Annette Grant: Mm
• 48:01
  Annette Grant: hmm.
• 48:01
  Nick Massey: Um,
• 48:03
  Nick Massey: Depending
• 48:03
  Nick Massey: on,
• 48:04
  Nick Massey: on
• 48:04
  Nick Massey: your
• 48:04
  Nick Massey: size,
• 48:06
  Nick Massey: uh,
• 48:06
  Nick Massey: really
• 48:07
  Nick Massey: depends
• 48:07
  Nick Massey: on
• 48:08
  Nick Massey: what
• 48:08
  Nick Massey: you
• 48:08
  Nick Massey: need
• 48:08
  Nick Massey: to
• 48:09
  Nick Massey: do
• 48:09
  Nick Massey: with
• 48:09
  Nick Massey: insurance.
• 48:09
  Nick Massey: Okay.
• 48:10
  Nick Massey: Rule
• 48:10
  Nick Massey: number
• 48:10
  Nick Massey: one,
• 48:11
  Nick Massey: the
• 48:11
  Nick Massey: homeowner
• 48:12
  Nick Massey: that
• 48:12
  Nick Massey: you
• 48:12
  Nick Massey: are
• 48:12
  Nick Massey: co
• 48:13
  Nick Massey: hosting
• 48:13
  Nick Massey: for
• 48:13
  Nick Massey: needs
• 48:14
  Nick Massey: to
• 48:14
  Nick Massey: name
• 48:14
  Nick Massey: you
• 48:14
  Nick Massey: as
• 48:14
  Nick Massey: additional
• 48:15
  Nick Massey: insured
• 48:15
  Nick Massey: on
• 48:15
  Nick Massey: the
• 48:15
  Nick Massey: liability.
• 48:17
  Nick Massey: And
• 48:17
  Nick Massey: listening
• 48:17
  Nick Massey: to
• 48:17
  Nick Massey: this,
• 48:18
  Nick Massey: I
• 48:18
  Nick Massey: would
• 48:18
  Nick Massey: hope
• 48:18
  Nick Massey: that
• 48:19
  Nick Massey: you
• 48:19
  Nick Massey: are
• 48:19
  Nick Massey: telling
• 48:19
  Nick Massey: them
• 48:20
  Nick Massey: because
• 48:20
  Nick Massey: of
• 48:21
  Nick Massey: this
• 48:21
  Nick Massey: new
• 48:21
  Nick Massey: exposure
• 48:21
  Nick Massey: you're
• 48:22
  Nick Massey: taking
• 48:22
  Nick Massey: on,
• 48:22
  Nick Massey: you
• 48:23
  Nick Massey: really
• 48:23
  Nick Massey: need
• 48:23
  Nick Massey: to
• 48:23
  Nick Massey: be
• 48:23
  Nick Massey: looking
• 48:24
  Nick Massey: at
• 48:24
  Nick Massey: a
• 48:24
  Nick Massey: specialized
• 48:24
  Nick Massey: policy
• 48:25
  Nick Massey: with
• 48:25
  Nick Massey: commercial
• 48:25
  Nick Massey: liability.
• 48:26
  Nick Massey: Um,
• 48:27
  Nick Massey: and
• 48:27
  Nick Massey: hopefully
• 48:28
  Nick Massey: proper
• 48:28
  Nick Massey: lands
• 48:28
  Nick Massey: on
• 48:28
  Nick Massey: that
• 48:28
  Nick Massey: list.
• 48:29
  Nick Massey: There's
• 48:29
  Nick Massey: a
• 48:29
  Nick Massey: couple
• 48:29
  Nick Massey: of
• 48:29
  Nick Massey: us
• 48:30
  Nick Massey: out
• 48:30
  Nick Massey: there
• 48:30
  Nick Massey: that,
• 48:31
  Nick Massey: that
• 48:31
  Nick Massey: do
• 48:31
  Nick Massey: a
• 48:31
  Nick Massey: commercial
• 48:32
  Nick Massey: level
• 48:32
  Nick Massey: coverage
• 48:32
  Nick Massey: for
• 48:32
  Nick Massey: short
• 48:33
  Nick Massey: term
• 48:33
  Nick Massey: rentals
• 48:33
  Nick Massey: now.
• 48:35
  Nick Massey: Now,
• 48:36
  Nick Massey: As
• 48:36
  Nick Massey: you
• 48:36
  Nick Massey: start
• 48:36
  Nick Massey: to
• 48:36
  Nick Massey: get
• 48:37
  Nick Massey: bigger
• 48:37
  Nick Massey: as
• 48:37
  Nick Massey: a
• 48:37
  Nick Massey: co
• 48:38
  Nick Massey: host,
• 48:38
  Nick Massey: you
• 48:39
  Nick Massey: start
• 48:40
  Nick Massey: to,
• 48:40
  Nick Massey: I'm
• 48:41
  Nick Massey: going
• 48:41
  Nick Massey: to
• 48:41
  Nick Massey: have
• 48:41
  Nick Massey: an
• 48:41
  Nick Massey: LLC
• 48:42
  Nick Massey: cause
• 48:42
  Nick Massey: I
• 48:42
  Nick Massey: need
• 48:42
  Nick Massey: to
• 48:42
  Nick Massey: run
• 48:43
  Nick Massey: the
• 48:43
  Nick Massey: funds
• 48:43
  Nick Massey: through
• 48:43
  Nick Massey: the
• 48:44
  Nick Massey: LLC.
• 48:44
  Nick Massey: I
• 48:44
  Nick Massey: want
• 48:44
  Nick Massey: to
• 48:44
  Nick Massey: be
• 48:44
  Nick Massey: protected.
• 48:45
  Nick Massey: That's
• 48:46
  Nick Massey: where
• 48:46
  Nick Massey: you
• 48:46
  Nick Massey: kind
• 48:46
  Nick Massey: of
• 48:46
  Nick Massey: graduate
• 48:47
  Nick Massey: into
• 48:47
  Nick Massey: buying
• 48:48
  Nick Massey: more
• 48:48
  Nick Massey: or
• 48:48
  Nick Massey: less
• 48:48
  Nick Massey: a,
• 48:48
  Nick Massey: a
• 48:49
  Nick Massey: management
• 48:50
  Nick Massey: style
• 48:50
  Nick Massey: insurance
• 48:51
  Nick Massey: policy.
• 48:52
  Nick Massey: Right?
• 48:53
  Nick Massey: And
• 48:53
  Nick Massey: so
• 48:53
  Nick Massey: we
• 48:53
  Nick Massey: do
• 48:54
  Nick Massey: do
• 48:54
  Nick Massey: that
• 48:54
  Nick Massey: through
• 48:54
  Nick Massey: our
• 48:54
  Nick Massey: other
• 48:55
  Nick Massey: company,
• 48:55
  Nick Massey: Wistr.
• 48:56
  Nick Massey: Um,
• 48:56
  Nick Massey: W
• 48:57
  Nick Massey: I
• 48:57
  Nick Massey: S
• 48:57
  Nick Massey: T
• 48:57
  Nick Massey: E
• 48:57
  Nick Massey: R.
• 48:58
  Nick Massey: They
• 48:58
  Nick Massey: have
• 48:58
  Nick Massey: a
• 48:58
  Nick Massey: management
• 48:59
  Nick Massey: policy.
• 48:59
  Nick Massey: Whether
• 49:00
  Nick Massey: you
• 49:00
  Nick Massey: manage
• 49:00
  Nick Massey: five
• 49:01
  Nick Massey: properties,
• 49:02
  Nick Massey: or
• 49:02
  Nick Massey: you
• 49:02
  Nick Massey: manage
• 49:02
  Nick Massey: 5,
• 49:03
  Nick Massey: 000
• 49:03
  Nick Massey: properties,
• 49:04
  Nick Massey: they're
• 49:04
  Nick Massey: going
• 49:04
  Nick Massey: to
• 49:05
  Nick Massey: be
• 49:05
  Nick Massey: able
• 49:05
  Nick Massey: to
• 49:05
  Nick Massey: take
• 49:05
  Nick Massey: care
• 49:06
  Nick Massey: of
• 49:06
  Nick Massey: you.
• 49:07
  Nick Massey: The
• 49:07
  Nick Massey: thing
• 49:07
  Nick Massey: with
• 49:08
  Nick Massey: co
• 49:08
  Nick Massey: hosts
• 49:08
  Nick Massey: where
• 49:08
  Nick Massey: I
• 49:08
  Nick Massey: think
• 49:09
  Nick Massey: things
• 49:09
  Nick Massey: are
• 49:09
  Nick Massey: commonly
• 49:09
  Nick Massey: missed
• 49:10
  Nick Massey: is
• 49:10
  Nick Massey: co
• 49:10
  Nick Massey: hosting
• 49:11
  Nick Massey: is
• 49:11
  Nick Massey: a
• 49:11
  Nick Massey: great
• 49:11
  Nick Massey: way
• 49:11
  Nick Massey: to
• 49:11
  Nick Massey: get
• 49:12
  Nick Massey: your
• 49:12
  Nick Massey: feet
• 49:12
  Nick Massey: wet
• 49:13
  Nick Massey: in
• 49:13
  Nick Massey: the
• 49:14
  Nick Massey: management
• 49:14
  Nick Massey: realm
• 49:15
  Nick Massey: without
• 49:15
  Nick Massey: having
• 49:15
  Nick Massey: to
• 49:15
  Nick Massey: go
• 49:15
  Nick Massey: through
• 49:15
  Nick Massey: all
• 49:16
  Nick Massey: the
• 49:16
  Nick Massey: licensing
• 49:16
  Nick Massey: and
• 49:17
  Nick Massey: all
• 49:17
  Nick Massey: of
• 49:17
  Nick Massey: that
• 49:17
  Nick Massey: stuff.
• 49:19
  Nick Massey: But
• 49:19
  Nick Massey: you
• 49:19
  Nick Massey: still
• 49:19
  Nick Massey: have
• 49:20
  Nick Massey: exposure
• 49:20
  Nick Massey: as
• 49:21
  Nick Massey: a
• 49:21
  Nick Massey: real
• 49:21
  Nick Massey: estate
• 49:22
  Nick Massey: manager,
• 49:23
  Nick Massey: um,
• 49:24
  Nick Massey: by
• 49:24
  Nick Massey: default,
• 49:25
  Nick Massey: and
• 49:25
  Nick Massey: you
• 49:25
  Nick Massey: can
• 49:25
  Nick Massey: still
• 49:25
  Nick Massey: be
• 49:25
  Nick Massey: named,
• 49:26
  Nick Massey: uh,
• 49:26
  Nick Massey: in
• 49:27
  Nick Massey: a
• 49:27
  Nick Massey: lawsuit
• 49:27
  Nick Massey: because
• 49:28
  Nick Massey: you're
• 49:28
  Nick Massey: tied
• 49:28
  Nick Massey: to
• 49:28
  Nick Massey: that
• 49:28
  Nick Massey: listing.
• 49:29
  Nick Massey: Uh,
• 49:29
  Nick Massey: maybe
• 49:30
  Nick Massey: you're
• 49:30
  Nick Massey: doing
• 49:30
  Nick Massey: the
• 49:30
  Nick Massey: communication
• 49:31
  Nick Massey: and
• 49:31
  Nick Massey: stuff
• 49:31
  Nick Massey: like
• 49:31
  Nick Massey: that.
• 49:32
  Nick Massey: So
• 49:32
  Nick Massey: number
• 49:32
  Nick Massey: one,
• 49:33
  Nick Massey: make
• 49:33
  Nick Massey: sure
• 49:33
  Nick Massey: you're
• 49:33
  Nick Massey: listed
• 49:34
  Nick Massey: on
• 49:34
  Nick Massey: every
• 49:34
  Nick Massey: property's
• 49:35
  Nick Massey: insurance
• 49:35
  Nick Massey: as
• 49:36
  Nick Massey: an
• 49:36
  Nick Massey: additional
• 49:36
  Nick Massey: insured.
• 49:37
  Nick Massey: Number
• 49:38
  Nick Massey: two,
• 49:39
  Nick Massey: it
• 49:39
  Nick Massey: is
• 49:39
  Nick Massey: worth
• 49:39
  Nick Massey: investigating.
• 49:40
  Nick Massey: If
• 49:40
  Nick Massey: you're
• 49:41
  Nick Massey: at
• 49:41
  Nick Massey: the
• 49:41
  Nick Massey: point
• 49:41
  Nick Massey: or
• 49:41
  Nick Massey: the
• 49:42
  Nick Massey: size,
• 49:42
  Nick Massey: um,
• 49:43
  Nick Massey: I
• 49:43
  Nick Massey: would
• 49:43
  Nick Massey: say
• 49:43
  Nick Massey: probably
• 49:44
  Nick Massey: five.
• 49:45
  Nick Massey: Is
• 49:45
  Nick Massey: a
• 49:45
  Nick Massey: when
• 49:46
  Nick Massey: you
• 49:46
  Nick Massey: start
• 49:46
  Nick Massey: need
• 49:46
  Nick Massey: to
• 49:46
  Nick Massey: start
• 49:47
  Nick Massey: thinking
• 49:47
  Nick Massey: about
• 49:47
  Nick Massey: getting
• 49:47
  Nick Massey: your
• 49:47
  Nick Massey: own
• 49:48
  Nick Massey: general
• 49:48
  Nick Massey: liability
• 49:48
  Nick Massey: policy
• 49:50
  Nick Massey: If
• 49:50
  Nick Massey: you
• 49:50
  Nick Massey: have
• 49:50
  Nick Massey: an
• 49:51
  Nick Massey: LLC
• 49:51
  Nick Massey: set
• 49:52
  Nick Massey: up
• 49:52
  Nick Massey: and
• 49:52
  Nick Massey: you
• 49:52
  Nick Massey: have
• 49:52
  Nick Massey: a
• 49:52
  Nick Massey: vehicle
• 49:53
  Nick Massey: commercial
• 49:53
  Nick Massey: auto,
• 49:54
  Nick Massey: um,
• 49:54
  Nick Massey: if
• 49:54
  Nick Massey: you
• 49:54
  Nick Massey: have
• 49:55
  Nick Massey: private
• 49:55
  Nick Massey: contractors
• 49:56
  Nick Massey: making
• 49:56
  Nick Massey: sure
• 49:56
  Nick Massey: you
• 49:56
  Nick Massey: have
• 49:57
  Nick Massey: protections
• 49:58
  Nick Massey: there
• 49:59
  Nick Massey: and
• 49:59
  Nick Massey: then
• 50:00
  Nick Massey: when
• 50:00
  Nick Massey: you
• 50:01
  Nick Massey: what
• 50:01
  Nick Massey: we
• 50:01
  Nick Massey: see
• 50:01
  Nick Massey: a
• 50:01
  Nick Massey: lot
• 50:01
  Nick Massey: of
• 50:01
  Nick Massey: co
• 50:02
  Nick Massey: hosts
• 50:02
  Nick Massey: do
• 50:02
  Nick Massey: is
• 50:02
  Nick Massey: then
• 50:02
  Nick Massey: they
• 50:03
  Nick Massey: go
• 50:03
  Nick Massey: and
• 50:03
  Nick Massey: get
• 50:03
  Nick Massey: their
• 50:03
  Nick Massey: real
• 50:04
  Nick Massey: estate
• 50:04
  Nick Massey: license
• 50:04
  Nick Massey: and
• 50:04
  Nick Massey: then
• 50:04
  Nick Massey: become
• 50:05
  Nick Massey: a
• 50:06
  Nick Massey: More
• 50:06
  Nick Massey: formal
• 50:06
  Nick Massey: property
• 50:06
  Nick Massey: manager
• 50:07
  Nick Massey: that
• 50:07
  Nick Massey: can
• 50:07
  Nick Massey: collect
• 50:08
  Nick Massey: commissions,
• 50:09
  Nick Massey: uh,
• 50:09
  Nick Massey: then
• 50:09
  Nick Massey: you
• 50:10
  Nick Massey: 100
• 50:10
  Nick Massey: percent
• 50:11
  Nick Massey: need
• 50:11
  Nick Massey: a
• 50:11
  Nick Massey: management
• 50:11
  Nick Massey: policy,
• 50:12
  Nick Massey: uh,
• 50:13
  Nick Massey: that's
• 50:13
  Nick Massey: specific
• 50:13
  Nick Massey: to
• 50:13
  Nick Massey: what
• 50:13
  Nick Massey: you're
• 50:13
  Nick Massey: doing.
• 50:14
  Annette Grant: We
• 50:14
  Annette Grant: want
• 50:15
  Annette Grant: to
• 50:15
  Annette Grant: pause
• 50:15
  Annette Grant: right
• 50:15
  Annette Grant: there
• 50:15
  Annette Grant: because
• 50:16
  Annette Grant: we
• 50:16
  Annette Grant: know
• 50:16
  Annette Grant: that
• 50:17
  Annette Grant: the
• 50:17
  Annette Grant: co
• 50:17
  Annette Grant: hosting
• 50:19
  Annette Grant: just,
• 50:19
  Annette Grant: um,
• 50:20
  Annette Grant: is
• 50:20
  Annette Grant: on
• 50:20
  Annette Grant: the
• 50:20
  Annette Grant: rise
• 50:22
  Annette Grant: and
• 50:22
  Annette Grant: a
• 50:22
  Annette Grant: lot
• 50:22
  Annette Grant: of
• 50:22
  Annette Grant: people
• 50:24
  Annette Grant: And
• 50:24
  Annette Grant: I'm
• 50:24
  Annette Grant: going
• 50:24
  Annette Grant: to
• 50:24
  Annette Grant: do
• 50:24
  Annette Grant: air
• 50:25
  Annette Grant: quotes
• 50:25
  Annette Grant: here.
• 50:25
  Annette Grant: I'm
• 50:25
  Annette Grant: just
• 50:26
  Annette Grant: a
• 50:26
  Annette Grant: co
• 50:26
  Annette Grant: host,
• 50:27
  Annette Grant: I'm
• 50:27
  Annette Grant: just
• 50:27
  Annette Grant: the
• 50:27
  Annette Grant: co
• 50:27
  Annette Grant: host.
• 50:29
  Annette Grant: But
• 50:29
  Annette Grant: I
• 50:29
  Annette Grant: love
• 50:29
  Annette Grant: that
• 50:29
  Annette Grant: you're
• 50:30
  Annette Grant: saying,
• 50:30
  Annette Grant: like,
• 50:30
  Annette Grant: 100%,
• 50:31
  Annette Grant: you
• 50:31
  Annette Grant: have
• 50:31
  Annette Grant: got
• 50:31
  Annette Grant: to
• 50:31
  Annette Grant: be
• 50:32
  Annette Grant: covered.
• 50:32
  Annette Grant: Like,
• 50:32
  Annette Grant: you
• 50:32
  Annette Grant: need
• 50:32
  Annette Grant: to
• 50:32
  Annette Grant: talk
• 50:32
  Annette Grant: to
• 50:33
  Annette Grant: your
• 50:33
  Annette Grant: homeowner
• 50:33
  Annette Grant: today
• 50:34
  Annette Grant: about
• 50:34
  Annette Grant: you
• 50:35
  Annette Grant: being
• 50:35
  Annette Grant: an
• 50:35
  Annette Grant: additional
• 50:36
  Annette Grant: insured.
• 50:36
  Annette Grant: That's
• 50:36
  Annette Grant: an
• 50:36
  Annette Grant: easy
• 50:37
  Annette Grant: thing
• 50:37
  Annette Grant: to
• 50:37
  Annette Grant: get
• 50:38
  Annette Grant: taken
• 50:38
  Annette Grant: care
• 50:38
  Annette Grant: of.
• 50:39
  Annette Grant: And
• 50:39
  Annette Grant: I
• 50:39
  Annette Grant: know,
• 50:40
  Annette Grant: Sarah
• 50:40
  Annette Grant: and
• 50:40
  Annette Grant: I,
• 50:41
  Annette Grant: we
• 50:42
  Annette Grant: coach
• 50:42
  Annette Grant: a
• 50:42
  Annette Grant: lot
• 50:42
  Annette Grant: of
• 50:42
  Annette Grant: people
• 50:42
  Annette Grant: on
• 50:42
  Annette Grant: this
• 50:43
  Annette Grant: and
• 50:43
  Annette Grant: they
• 50:43
  Annette Grant: get
• 50:43
  Annette Grant: nervous
• 50:44
  Annette Grant: to,
• 50:45
  Annette Grant: like,
• 50:45
  Annette Grant: bring
• 50:46
  Annette Grant: insurance
• 50:47
  Annette Grant: topic
• 50:48
  Annette Grant: up
• 50:48
  Annette Grant: to
• 50:49
  Annette Grant: their
• 50:49
  Annette Grant: owners
• 50:49
  Annette Grant: because
• 50:49
  Annette Grant: they're
• 50:50
  Annette Grant: like,
• 50:50
  Annette Grant: Oh,
• 50:50
  Annette Grant: it's
• 50:50
  Annette Grant: a
• 50:50
  Annette Grant: new
• 50:50
  Annette Grant: client.
• 50:51
  Annette Grant: I
• 50:51
  Annette Grant: don't
• 50:51
  Annette Grant: want
• 50:51
  Annette Grant: to
• 50:52
  Annette Grant: ruffle
• 50:52
  Annette Grant: the
• 50:52
  Annette Grant: feathers.
• 50:54
  Annette Grant: But
• 50:54
  Annette Grant: it
• 50:54
  Annette Grant: should
• 50:54
  Annette Grant: be
• 50:55
  Annette Grant: baseline
• 50:56
  Annette Grant: for
• 50:56
  Annette Grant: anybody
• 50:57
  Annette Grant: that's
• 50:57
  Annette Grant: looking
• 50:58
  Annette Grant: at
• 50:58
  Annette Grant: any,
• 50:58
  Annette Grant: managing
• 50:59
  Annette Grant: anyone's
• 50:59
  Annette Grant: asset
• 51:00
  Annette Grant: like
• 51:00
  Annette Grant: a
• 51:00
  Annette Grant: home.
• 51:01
  Annette Grant: Like,
• 51:01
  Annette Grant: Nick,
• 51:02
  Annette Grant: a
• 51:02
  Annette Grant: homeowner
• 51:02
  Annette Grant: should
• 51:02
  Annette Grant: not
• 51:03
  Annette Grant: give
• 51:03
  Annette Grant: them
• 51:03
  Annette Grant: any
• 51:03
  Annette Grant: pushback
• 51:04
  Annette Grant: at
• 51:04
  Annette Grant: all,
• 51:04
  Annette Grant: correct?
• 51:05
  Annette Grant: If
• 51:05
  Annette Grant: they're
• 51:05
  Annette Grant: asking
• 51:05
  Annette Grant: them
• 51:05
  Annette Grant: to
• 51:05
  Annette Grant: be
• 51:05
  Annette Grant: an
• 51:05
  Annette Grant: additional
• 51:06
  Annette Grant: insured.
• 51:06
  Annette Grant: And
• 51:06
  Annette Grant: if
• 51:07
  Annette Grant: they
• 51:07
  Annette Grant: do,
• 51:07
  Annette Grant: that's
• 51:07
  Annette Grant: not
• 51:08
  Annette Grant: the
• 51:08
  Annette Grant: client
• 51:08
  Annette Grant: for
• 51:08
  Annette Grant: them,
• 51:08
  Annette Grant: right?
• 51:09
  Nick Massey: Yeah,
• 51:09
  Nick Massey: correct.
• 51:10
  Nick Massey: Red
• 51:10
  Nick Massey: flag
• 51:11
  Nick Massey: for
• 51:11
  Nick Massey: sure.
• 51:11
  Nick Massey: Um,
• 51:13
  Nick Massey: And
• 51:13
  Nick Massey: if,
• 51:13
  Nick Massey: if
• 51:14
  Nick Massey: the
• 51:14
  Nick Massey: client
• 51:14
  Nick Massey: comes
• 51:15
  Nick Massey: back
• 51:15
  Nick Massey: and
• 51:15
  Nick Massey: says,
• 51:15
  Nick Massey: well,
• 51:16
  Nick Massey: my
• 51:16
  Nick Massey: insurance
• 51:16
  Nick Massey: won't
• 51:16
  Nick Massey: do
• 51:17
  Nick Massey: it.
• 51:17
  Nick Massey: Well,
• 51:17
  Nick Massey: then
• 51:17
  Nick Massey: you
• 51:17
  Nick Massey: go,
• 51:18
  Nick Massey: well,
• 51:18
  Nick Massey: you
• 51:18
  Nick Massey: have
• 51:18
  Nick Massey: the
• 51:18
  Nick Massey: wrong
• 51:18
  Nick Massey: insurance.
• 51:19
  Nick Massey: Like
• 51:19
  Nick Massey: we
• 51:20
  Nick Massey: can't,
• 51:20
  Nick Massey: I
• 51:21
  Nick Massey: can't
• 51:21
  Nick Massey: list
• 51:21
  Nick Massey: your
• 51:21
  Nick Massey: property
• 51:22
  Nick Massey: until
• 51:22
  Nick Massey: this
• 51:23
  Nick Massey: is
• 51:23
  Nick Massey: done
• 51:24
  Nick Massey: because
• 51:24
  Nick Massey: we
• 51:24
  Nick Massey: just
• 51:25
  Nick Massey: have
• 51:25
  Nick Massey: too
• 51:25
  Nick Massey: much
• 51:25
  Nick Massey: exposure.
• 51:26
  Nick Massey: It's
• 51:26
  Nick Massey: not
• 51:26
  Nick Massey: an
• 51:26
  Nick Massey: if,
• 51:27
  Nick Massey: it's
• 51:27
  Nick Massey: definitely
• 51:27
  Nick Massey: a
• 51:27
  Nick Massey: when
• 51:28
  Nick Massey: in
• 51:28
  Nick Massey: this
• 51:28
  Nick Massey: industry.
• 51:29
  Nick Massey: And
• 51:29
  Nick Massey: you
• 51:30
  Nick Massey: could,
• 51:30
  Nick Massey: you
• 51:30
  Nick Massey: could
• 51:30
  Nick Massey: have
• 51:30
  Nick Massey: somebody
• 51:31
  Nick Massey: sit
• 51:31
  Nick Massey: down
• 51:31
  Nick Massey: in
• 51:31
  Nick Massey: a
• 51:31
  Nick Massey: chair
• 51:32
  Nick Massey: the
• 51:32
  Nick Massey: first
• 51:32
  Nick Massey: night
• 51:32
  Nick Massey: they're
• 51:32
  Nick Massey: at
• 51:32
  Nick Massey: your
• 51:33
  Nick Massey: property
• 51:33
  Nick Massey: and
• 51:33
  Nick Massey: it
• 51:33
  Nick Massey: breaks
• 51:34
  Nick Massey: and
• 51:34
  Nick Massey: now
• 51:34
  Nick Massey: they're
• 51:35
  Nick Massey: suing
• 51:35
  Nick Massey: you.
• 51:35
  Nick Massey: And
• 51:36
  Nick Massey: who
• 51:36
  Nick Massey: has
• 51:36
  Nick Massey: coverage?
• 51:37
  Nick Massey: Where
• 51:37
  Nick Massey: is
• 51:37
  Nick Massey: the
• 51:37
  Nick Massey: coverage?
• 51:37
  Nick Massey: Yeah.
• 51:38
  Nick Massey: Now
• 51:38
  Nick Massey: you're
• 51:39
  Nick Massey: definitely
• 51:39
  Nick Massey: not
• 51:39
  Nick Massey: going
• 51:39
  Nick Massey: to
• 51:39
  Nick Massey: get
• 51:40
  Nick Massey: your
• 51:40
  Nick Massey: co
• 51:40
  Nick Massey: hosting
• 51:40
  Nick Massey: brand
• 51:41
  Nick Massey: off
• 51:41
  Nick Massey: the
• 51:41
  Nick Massey: ground
• 51:42
  Nick Massey: because
• 51:42
  Nick Massey: it's,
• 51:44
  Nick Massey: it'll
• 51:44
  Nick Massey: crush
• 51:44
  Nick Massey: you.
• 51:45
  Nick Massey: It's
• 51:45
  Nick Massey: so
• 51:45
  Nick Massey: important.
• 51:46
  Nick Massey: Um,
• 51:47
  Nick Massey: I,
• 51:48
  Nick Massey: I
• 51:48
  Nick Massey: mean,
• 51:49
  Nick Massey: I
• 51:49
  Nick Massey: work
• 51:49
  Nick Massey: in
• 51:49
  Nick Massey: an
• 51:49
  Nick Massey: industry
• 51:50
  Nick Massey: where
• 51:50
  Nick Massey: I'm
• 51:50
  Nick Massey: inherently
• 51:51
  Nick Massey: the
• 51:51
  Nick Massey: bad
• 51:51
  Nick Massey: guy.
• 51:52
  Nick Massey: Um,
• 51:53
  Nick Massey: people
• 51:53
  Nick Massey: think
• 51:54
  Nick Massey: we're
• 51:54
  Nick Massey: a
• 51:54
  Nick Massey: scam.
• 51:54
  Nick Massey: People
• 51:55
  Nick Massey: don't
• 51:55
  Nick Massey: trust
• 51:56
  Nick Massey: insurance.
• 51:56
  Nick Massey: And
• 51:57
  Nick Massey: I
• 51:57
  Nick Massey: promise
• 51:57
  Nick Massey: you
• 51:57
  Nick Massey: that's
• 51:58
  Nick Massey: not
• 51:58
  Nick Massey: who
• 51:58
  Nick Massey: we
• 51:59
  Nick Massey: are.
• 51:59
  Nick Massey: That's
• 51:59
  Nick Massey: might
• 51:59
  Nick Massey: be
• 52:00
  Nick Massey: who
• 52:00
  Nick Massey: other
• 52:00
  Nick Massey: folks
• 52:01
  Nick Massey: are
• 52:01
  Nick Massey: out
• 52:02
  Nick Massey: there,
• 52:02
  Nick Massey: but
• 52:02
  Nick Massey: not
• 52:02
  Nick Massey: this
• 52:03
  Nick Massey: company.
• 52:03
  Nick Massey: We're
• 52:03
  Nick Massey: here
• 52:03
  Nick Massey: to
• 52:04
  Nick Massey: help
• 52:04
  Nick Massey: educate
• 52:04
  Nick Massey: and
• 52:04
  Nick Massey: walk
• 52:04
  Nick Massey: you
• 52:05
  Nick Massey: through
• 52:05
  Nick Massey: that.
• 52:06
  Nick Massey: And
• 52:06
  Nick Massey: I
• 52:06
  Nick Massey: would
• 52:06
  Nick Massey: absolutely
• 52:07
  Nick Massey: say
• 52:07
  Nick Massey: if
• 52:07
  Nick Massey: somebody
• 52:07
  Nick Massey: is
• 52:07
  Nick Massey: unwilling
• 52:08
  Nick Massey: or
• 52:08
  Nick Massey: unable
• 52:09
  Nick Massey: to
• 52:09
  Nick Massey: get
• 52:09
  Nick Massey: you
• 52:09
  Nick Massey: that,
• 52:10
  Nick Massey: it'll
• 52:10
  Nick Massey: just,
• 52:10
  Nick Massey: you
• 52:11
  Nick Massey: hit
• 52:11
  Nick Massey: the
• 52:11
  Nick Massey: nail
• 52:11
  Nick Massey: on
• 52:11
  Nick Massey: the
• 52:11
  Nick Massey: head.
• 52:11
  Nick Massey: They're
• 52:12
  Nick Massey: not
• 52:12
  Nick Massey: the
• 52:12
  Nick Massey: client
• 52:12
  Nick Massey: for
• 52:13
  Nick Massey: you.
• 52:13
  Nick Massey: Um,
• 52:14
  Nick Massey: Don't
• 52:15
  Nick Massey: jump
• 52:16
  Nick Massey: into
• 52:16
  Nick Massey: this
• 52:16
  Nick Massey: space
• 52:17
  Nick Massey: and
• 52:18
  Nick Massey: just
• 52:18
  Nick Massey: wing
• 52:18
  Nick Massey: it
• 52:18
  Nick Massey: and
• 52:19
  Nick Massey: hope
• 52:19
  Nick Massey: things
• 52:19
  Nick Massey: go
• 52:19
  Nick Massey: well
• 52:19
  Nick Massey: for
• 52:20
  Nick Massey: the
• 52:20
  Nick Massey: first
• 52:20
  Nick Massey: six
• 52:20
  Nick Massey: months,
• 52:21
  Nick Massey: then
• 52:21
  Nick Massey: address
• 52:22
  Nick Massey: this
• 52:22
  Nick Massey: on
• 52:22
  Nick Massey: the
• 52:22
  Nick Massey: back
• 52:22
  Nick Massey: end.
• 52:22
  Nick Massey: It's
• 52:22
  Nick Massey: harder
• 52:23
  Nick Massey: to
• 52:23
  Nick Massey: address
• 52:23
  Nick Massey: this
• 52:23
  Nick Massey: once
• 52:24
  Nick Massey: you're
• 52:24
  Nick Massey: up
• 52:24
  Nick Massey: and
• 52:25
  Nick Massey: rolling
• 52:25
  Nick Massey: and
• 52:25
  Nick Massey: cruising
• 52:26
  Nick Massey: than
• 52:26
  Nick Massey: dealing
• 52:26
  Nick Massey: with
• 52:26
  Nick Massey: it
• 52:27
  Nick Massey: right
• 52:27
  Nick Massey: now.
• 52:28
  Nick Massey: Um,
• 52:29
  Nick Massey: so
• 52:29
  Nick Massey: don't
• 52:30
  Nick Massey: be
• 52:30
  Nick Massey: afraid
• 52:30
  Nick Massey: to
• 52:30
  Nick Massey: talk
• 52:30
  Nick Massey: to
• 52:31
  Nick Massey: people
• 52:31
  Nick Massey: about
• 52:31
  Nick Massey: insurance.
• 52:32
  Nick Massey: It's
• 52:32
  Nick Massey: your
• 52:32
  Nick Massey: livelihood.
• 52:34
  Nick Massey: And
• 52:34
  Nick Massey: at
• 52:34
  Nick Massey: the
• 52:34
  Nick Massey: end
• 52:34
  Nick Massey: of
• 52:34
  Nick Massey: the
• 52:35
  Nick Massey: day,
• 52:35
  Nick Massey: I
• 52:35
  Nick Massey: don't,
• 52:35
  Nick Massey: it
• 52:35
  Nick Massey: doesn't
• 52:35
  Nick Massey: matter
• 52:36
  Nick Massey: how
• 52:36
  Nick Massey: many
• 52:36
  Nick Massey: trusts
• 52:36
  Nick Massey: or
• 52:37
  Nick Massey: LLCs
• 52:37
  Nick Massey: or
• 52:37
  Nick Massey: S
• 52:37
  Nick Massey: corps
• 52:38
  Nick Massey: or
• 52:38
  Nick Massey: whatever
• 52:38
  Nick Massey: you
• 52:39
  Nick Massey: have
• 52:39
  Nick Massey: trying
• 52:39
  Nick Massey: to
• 52:40
  Nick Massey: layer
• 52:40
  Nick Massey: structurally,
• 52:42
  Nick Massey: uh,
• 52:42
  Nick Massey: as
• 52:42
  Nick Massey: you
• 52:42
  Nick Massey: operate
• 52:43
  Nick Massey: and
• 52:43
  Nick Massey: grow
• 52:43
  Nick Massey: in
• 52:43
  Nick Massey: this
• 52:43
  Nick Massey: business,
• 52:44
  Nick Massey: 99
• 52:45
  Nick Massey: percent
• 52:45
  Nick Massey: of
• 52:45
  Nick Massey: the
• 52:45
  Nick Massey: time,
• 52:45
  Nick Massey: it's
• 52:46
  Nick Massey: the
• 52:46
  Nick Massey: insurance
• 52:46
  Nick Massey: policy
• 52:47
  Nick Massey: that's
• 52:47
  Nick Massey: going
• 52:47
  Nick Massey: to
• 52:47
  Nick Massey: take
• 52:47
  Nick Massey: care
• 52:47
  Nick Massey: of
• 52:48
  Nick Massey: it,
• 52:48
  Nick Massey: not.
• 52:49
  Nick Massey: Stacks
• 52:49
  Nick Massey: and
• 52:49
  Nick Massey: stacks
• 52:49
  Nick Massey: of
• 52:50
  Nick Massey: different
• 52:50
  Nick Massey: paperwork
• 52:50
  Nick Massey: and
• 52:50
  Nick Massey: legal
• 52:51
  Nick Massey: structurings.
• 52:52
  Annette Grant: I,
• 52:52
  Annette Grant: I'm
• 52:52
  Annette Grant: just,
• 52:53
  Annette Grant: I'm
• 52:53
  Annette Grant: going
• 52:53
  Annette Grant: to
• 52:53
  Annette Grant: be
• 52:53
  Annette Grant: very,
• 52:53
  Annette Grant: um,
• 52:54
  Annette Grant: vulnerable
• 52:54
  Annette Grant: and
• 52:54
  Annette Grant: open
• 52:55
  Annette Grant: right
• 52:55
  Annette Grant: now
• 52:55
  Annette Grant: that
• 52:55
  Annette Grant: we
• 52:56
  Annette Grant: here,
• 52:57
  Annette Grant: and,
• 52:57
  Annette Grant: and
• 52:57
  Annette Grant: listeners,
• 52:58
  Annette Grant: we
• 52:58
  Annette Grant: have
• 52:58
  Annette Grant: to
• 52:58
  Annette Grant: tell
• 52:58
  Annette Grant: you,
• 52:59
  Annette Grant: like,
• 52:59
  Annette Grant: people
• 52:59
  Annette Grant: are
• 52:59
  Annette Grant: out
• 53:00
  Annette Grant: there.
• 53:00
  Annette Grant: You're
• 53:00
  Annette Grant: going
• 53:00
  Annette Grant: to
• 53:00
  Annette Grant: go
• 53:00
  Annette Grant: and
• 53:01
  Annette Grant: you're
• 53:01
  Annette Grant: going
• 53:01
  Annette Grant: to
• 53:01
  Annette Grant: shop
• 53:01
  Annette Grant: insurance
• 53:02
  Annette Grant: and
• 53:03
  Annette Grant: you're
• 53:03
  Annette Grant: going
• 53:03
  Annette Grant: to
• 53:03
  Annette Grant: look
• 53:03
  Annette Grant: at
• 53:03
  Annette Grant: prices
• 53:04
  Annette Grant: because
• 53:04
  Annette Grant: commercial
• 53:05
  Annette Grant: insurance
• 53:05
  Annette Grant: is
• 53:06
  Annette Grant: going
• 53:06
  Annette Grant: to
• 53:06
  Annette Grant: be
• 53:06
  Annette Grant: a
• 53:06
  Annette Grant: different
• 53:06
  Annette Grant: price
• 53:07
  Annette Grant: than
• 53:07
  Annette Grant: your
• 53:07
  Annette Grant: homeowner's
• 53:08
  Annette Grant: insurance.
• 53:10
  Annette Grant: Yes,
• 53:11
  Annette Grant: it's
• 53:11
  Annette Grant: expensive
• 53:11
  Annette Grant: and
• 53:11
  Annette Grant: it's
• 53:12
  Annette Grant: kind
• 53:12
  Annette Grant: of,
• 53:12
  Annette Grant: it's
• 53:12
  Annette Grant: like,
• 53:13
  Annette Grant: we
• 53:13
  Annette Grant: want
• 53:13
  Annette Grant: our,
• 53:13
  Annette Grant: so
• 53:14
  Annette Grant: many
• 53:14
  Annette Grant: hosts
• 53:14
  Annette Grant: want
• 53:15
  Annette Grant: their
• 53:15
  Annette Grant: cake
• 53:15
  Annette Grant: and
• 53:15
  Annette Grant: eat
• 53:15
  Annette Grant: it
• 53:15
  Annette Grant: too.
• 53:16
  Annette Grant: They
• 53:16
  Annette Grant: want
• 53:16
  Annette Grant: to
• 53:16
  Annette Grant: be
• 53:16
  Annette Grant: making
• 53:17
  Annette Grant: all
• 53:17
  Annette Grant: this
• 53:17
  Annette Grant: profit
• 53:17
  Annette Grant: on
• 53:18
  Annette Grant: their
• 53:18
  Annette Grant: home.
• 53:18
  Annette Grant: But
• 53:18
  Annette Grant: when
• 53:18
  Annette Grant: it
• 53:18
  Annette Grant: comes
• 53:18
  Annette Grant: to
• 53:18
  Annette Grant: getting
• 53:19
  Annette Grant: the
• 53:19
  Annette Grant: right
• 53:19
  Annette Grant: policy,
• 53:20
  Annette Grant: they
• 53:20
  Annette Grant: want
• 53:21
  Annette Grant: to
• 53:21
  Annette Grant: nickel
• 53:21
  Annette Grant: and
• 53:21
  Annette Grant: dime
• 53:22
  Annette Grant: and
• 53:22
  Annette Grant: have
• 53:22
  Annette Grant: the
• 53:22
  Annette Grant: same,
• 53:23
  Annette Grant: the
• 53:23
  Annette Grant: same,
• 53:24
  Annette Grant: um,
• 53:24
  Annette Grant: policy
• 53:25
  Annette Grant: that
• 53:25
  Annette Grant: they
• 53:25
  Annette Grant: have,
• 53:26
  Annette Grant: you
• 53:26
  Annette Grant: know,
• 53:26
  Annette Grant: the
• 53:26
  Annette Grant: same
• 53:26
  Annette Grant: rates
• 53:27
  Annette Grant: as
• 53:27
  Annette Grant: their
• 53:27
  Annette Grant: homeowners.
• 53:28
  Annette Grant: And
• 53:28
  Annette Grant: so
• 53:28
  Annette Grant: I
• 53:28
  Annette Grant: think
• 53:28
  Annette Grant: everyone
• 53:29
  Annette Grant: needs
• 53:29
  Annette Grant: to
• 53:29
  Annette Grant: have
• 53:29
  Annette Grant: this
• 53:29
  Annette Grant: mindset
• 53:30
  Annette Grant: shift
• 53:31
  Annette Grant: that
• 53:31
  Annette Grant: you
• 53:32
  Annette Grant: are,
• 53:32
  Annette Grant: you're
• 53:32
  Annette Grant: helping
• 53:32
  Annette Grant: us
• 53:32
  Annette Grant: have
• 53:33
  Annette Grant: here,
• 53:33
  Annette Grant: Nick.
• 53:33
  Annette Grant: I'm
• 53:33
  Annette Grant: like,
• 53:34
  Annette Grant: we
• 53:34
  Annette Grant: are
• 53:34
  Annette Grant: now
• 53:35
  Annette Grant: a
• 53:35
  Annette Grant: commercial
• 53:36
  Annette Grant: business.
• 53:37
  Annette Grant: And
• 53:37
  Annette Grant: so
• 53:37
  Annette Grant: therefore,
• 53:38
  Annette Grant: The
• 53:39
  Annette Grant: insurance
• 53:39
  Annette Grant: has
• 53:39
  Annette Grant: to
• 53:39
  Annette Grant: mirror
• 53:40
  Annette Grant: that,
• 53:41
  Annette Grant: and
• 53:41
  Annette Grant: guess
• 53:41
  Annette Grant: what?
• 53:42
  Annette Grant: The,
• 53:42
  Annette Grant: um,
• 53:43
  Annette Grant: the
• 53:43
  Annette Grant: investment
• 53:44
  Annette Grant: that
• 53:44
  Annette Grant: you're
• 53:45
  Annette Grant: going
• 53:45
  Annette Grant: to
• 53:45
  Annette Grant: make
• 53:45
  Annette Grant: in
• 53:46
  Annette Grant: insurance
• 53:46
  Annette Grant: is
• 53:46
  Annette Grant: going
• 53:47
  Annette Grant: to
• 53:47
  Annette Grant: be
• 53:47
  Annette Grant: more
• 53:47
  Annette Grant: than
• 53:48
  Annette Grant: your
• 53:48
  Annette Grant: normal
• 53:49
  Annette Grant: homeowners.
• 53:49
  Annette Grant: And
• 53:49
  Annette Grant: I
• 53:49
  Annette Grant: just
• 53:50
  Annette Grant: think,
• 53:50
  Annette Grant: I
• 53:50
  Annette Grant: hear
• 53:51
  Annette Grant: it
• 53:51
  Annette Grant: so
• 53:51
  Annette Grant: often,
• 53:52
  Annette Grant: but
• 53:52
  Annette Grant: everybody,
• 53:52
  Annette Grant: again,
• 53:53
  Annette Grant: they
• 53:53
  Annette Grant: want
• 53:53
  Annette Grant: their
• 53:53
  Annette Grant: cake
• 53:53
  Annette Grant: and
• 53:53
  Annette Grant: eat
• 53:53
  Annette Grant: it,
• 53:54
  Annette Grant: too.
• 53:54
  Annette Grant: They
• 53:54
  Annette Grant: want
• 53:54
  Annette Grant: to
• 53:54
  Annette Grant: have
• 53:54
  Annette Grant: this
• 53:54
  Annette Grant: house
• 53:55
  Annette Grant: that's
• 53:55
  Annette Grant: making
• 53:55
  Annette Grant: all
• 53:55
  Annette Grant: this
• 53:55
  Annette Grant: money,
• 53:56
  Annette Grant: and
• 53:56
  Annette Grant: they're
• 53:57
  Annette Grant: cutting
• 53:57
  Annette Grant: down
• 53:57
  Annette Grant: on
• 53:57
  Annette Grant: their
• 53:57
  Annette Grant: taxes,
• 53:58
  Annette Grant: and
• 53:59
  Annette Grant: it's
• 53:59
  Annette Grant: paying
• 53:59
  Annette Grant: for
• 53:59
  Annette Grant: itself.
• 54:00
  Annette Grant: But
• 54:00
  Annette Grant: when
• 54:00
  Annette Grant: it
• 54:00
  Annette Grant: comes
• 54:00
  Annette Grant: to
• 54:00
  Annette Grant: the
• 54:00
  Annette Grant: things
• 54:01
  Annette Grant: that
• 54:01
  Annette Grant: matter,
• 54:02
  Annette Grant: i.
• 54:02
  Annette Grant: e.
• 54:02
  Annette Grant: safety
• 54:03
  Annette Grant: and
• 54:03
  Annette Grant: insurance,
• 54:04
  Annette Grant: They
• 54:04
  Annette Grant: want
• 54:05
  Annette Grant: to
• 54:05
  Annette Grant: figure
• 54:05
  Annette Grant: out
• 54:05
  Annette Grant: how
• 54:05
  Annette Grant: they
• 54:06
  Annette Grant: can
• 54:06
  Annette Grant: save
• 54:06
  Annette Grant: the
• 54:06
  Annette Grant: most
• 54:06
  Annette Grant: and
• 54:07
  Annette Grant: do
• 54:07
  Annette Grant: they
• 54:07
  Annette Grant: really
• 54:07
  Annette Grant: need
• 54:07
  Annette Grant: it.
• 54:08
  Annette Grant: And
• 54:08
  Annette Grant: so
• 54:08
  Annette Grant: I
• 54:09
  Annette Grant: just
• 54:09
  Annette Grant: want
• 54:09
  Annette Grant: to
• 54:09
  Annette Grant: offer
• 54:09
  Annette Grant: to
• 54:09
  Annette Grant: everybody,
• 54:11
  Annette Grant: you
• 54:11
  Annette Grant: have
• 54:11
  Annette Grant: to
• 54:12
  Annette Grant: sit
• 54:12
  Annette Grant: down
• 54:13
  Annette Grant: and
• 54:13
  Annette Grant: slow
• 54:14
  Annette Grant: down
• 54:14
  Annette Grant: and
• 54:14
  Annette Grant: really
• 54:15
  Annette Grant: think
• 54:15
  Annette Grant: about
• 54:15
  Annette Grant: that.
• 54:16
  Annette Grant: Again,
• 54:16
  Annette Grant: you've
• 54:16
  Annette Grant: said
• 54:17
  Annette Grant: it
• 54:17
  Annette Grant: multiple
• 54:17
  Annette Grant: times
• 54:18
  Annette Grant: that
• 54:19
  Annette Grant: this
• 54:19
  Annette Grant: is
• 54:19
  Annette Grant: a
• 54:19
  Annette Grant: commercial
• 54:20
  Annette Grant: policy
• 54:20
  Annette Grant: that
• 54:21
  Annette Grant: you
• 54:21
  Annette Grant: are
• 54:22
  Annette Grant: getting.
• 54:22
  Annette Grant: So
• 54:22
  Annette Grant: obviously
• 54:23
  Annette Grant: it's
• 54:23
  Annette Grant: going
• 54:23
  Annette Grant: to
• 54:23
  Annette Grant: be
• 54:24
  Annette Grant: a
• 54:24
  Annette Grant: different
• 54:25
  Annette Grant: investment
• 54:26
  Annette Grant: than
• 54:26
  Annette Grant: your
• 54:26
  Annette Grant: normal
• 54:27
  Annette Grant: homeowners
• 54:27
  Annette Grant: insurance
• 54:28
  Annette Grant: or
• 54:28
  Annette Grant: renters
• 54:29
  Annette Grant: insurance.
• 54:29
  Annette Grant: Again,
• 54:29
  Annette Grant: if
• 54:29
  Annette Grant: you're
• 54:30
  Annette Grant: arbitrary,
• 54:30
  Annette Grant: you
• 54:30
  Annette Grant: know,
• 54:30
  Annette Grant: like,
• 54:30
  Annette Grant: or
• 54:31
  Annette Grant: if
• 54:31
  Annette Grant: you're
• 54:31
  Annette Grant: co
• 54:31
  Annette Grant: hosting,
• 54:31
  Annette Grant: like,
• 54:32
  Annette Grant: you
• 54:32
  Annette Grant: have
• 54:32
  Annette Grant: to
• 54:32
  Annette Grant: have
• 54:33
  Annette Grant: that
• 54:33
  Annette Grant: insurance
• 54:33
  Annette Grant: in
• 54:33
  Annette Grant: place.
• 54:34
  Nick Massey: I
• 54:34
  Nick Massey: mean,
• 54:34
  Nick Massey: ultimately,
• 54:36
  Nick Massey: again,
• 54:37
  Nick Massey: speaking
• 54:37
  Nick Massey: to
• 54:37
  Nick Massey: us
• 54:37
  Nick Massey: at
• 54:38
  Nick Massey: Proper,
• 54:38
  Nick Massey: our
• 54:38
  Nick Massey: average
• 54:39
  Nick Massey: premium
• 54:40
  Nick Massey: breaks
• 54:40
  Nick Massey: down
• 54:41
  Nick Massey: to
• 54:42
  Nick Massey: two
• 54:42
  Nick Massey: and
• 54:42
  Nick Massey: a
• 54:42
  Nick Massey: half
• 54:43
  Nick Massey: to
• 54:43
  Nick Massey: three
• 54:43
  Nick Massey: nights
• 54:44
  Nick Massey: of
• 54:44
  Nick Massey: booking
• 54:44
  Nick Massey: a
• 54:44
  Nick Massey: month
• 54:45
  Nick Massey: to
• 54:45
  Nick Massey: cover
• 54:46
  Nick Massey: the
• 54:46
  Nick Massey: total
• 54:46
  Nick Massey: insurance
• 54:47
  Nick Massey: expense.
• 54:48
  Nick Massey: Right.
• 54:48
  Nick Massey: And
• 54:48
  Nick Massey: you
• 54:49
  Nick Massey: need
• 54:49
  Nick Massey: to,
• 54:49
  Nick Massey: everybody
• 54:49
  Nick Massey: needs
• 54:50
  Nick Massey: to
• 54:50
  Nick Massey: keep
• 54:50
  Nick Massey: in
• 54:50
  Nick Massey: mind,
• 54:50
  Nick Massey: like
• 54:51
  Nick Massey: with
• 54:51
  Nick Massey: Proper
• 54:51
  Nick Massey: specifically
• 54:52
  Nick Massey: and
• 54:53
  Nick Massey: the
• 54:53
  Nick Massey: other
• 54:54
  Nick Massey: two
• 54:54
  Nick Massey: or
• 54:54
  Nick Massey: three
• 54:54
  Nick Massey: commercial
• 54:55
  Nick Massey: competitors
• 54:55
  Nick Massey: that
• 54:55
  Nick Massey: I
• 54:56
  Nick Massey: have,
• 54:57
  Nick Massey: we
• 54:57
  Nick Massey: completely
• 54:58
  Nick Massey: replace
• 54:58
  Nick Massey: your
• 54:59
  Nick Massey: insurance
• 54:59
  Nick Massey: package.
• 55:00
  Nick Massey: So
• 55:00
  Nick Massey: if
• 55:01
  Nick Massey: you're
• 55:01
  Nick Massey: paying
• 55:01
  Nick Massey: 2,
• 55:01
  Nick Massey: 000
• 55:02
  Nick Massey: a
• 55:02
  Nick Massey: year
• 55:02
  Nick Massey: right
• 55:03
  Nick Massey: now,
• 55:03
  Nick Massey: and
• 55:03
  Nick Massey: I'm
• 55:04
  Nick Massey: 4,
• 55:04
  Nick Massey: 000,
• 55:05
  Nick Massey: I'm
• 55:05
  Nick Massey: already,
• 55:05
  Nick Massey: I'm
• 55:05
  Nick Massey: covering
• 55:06
  Nick Massey: everything
• 55:07
  Nick Massey: that's
• 55:07
  Nick Massey: in
• 55:07
  Nick Massey: the
• 55:07
  Nick Massey: 2,
• 55:08
  Nick Massey: 000
• 55:08
  Nick Massey: package
• 55:08
  Nick Massey: also.
• 55:09
  Nick Massey: So
• 55:09
  Nick Massey: your
• 55:10
  Nick Massey: expenses
• 55:10
  Nick Massey: didn't
• 55:11
  Nick Massey: go
• 55:11
  Nick Massey: up
• 55:11
  Nick Massey: 4,
• 55:12
  Nick Massey: 000
• 55:12
  Nick Massey: a
• 55:12
  Nick Massey: year.
• 55:12
  Nick Massey: They
• 55:12
  Nick Massey: went
• 55:13
  Nick Massey: up
• 55:13
  Nick Massey: 2,
• 55:13
  Nick Massey: 000
• 55:14
  Nick Massey: a
• 55:14
  Nick Massey: year.
• 55:14
  Nick Massey: So
• 55:14
  Nick Massey: when
• 55:14
  Nick Massey: you
• 55:14
  Nick Massey: do
• 55:14
  Nick Massey: your
• 55:15
  Nick Massey: math
• 55:15
  Nick Massey: and
• 55:15
  Nick Massey: you
• 55:15
  Nick Massey: break
• 55:15
  Nick Massey: down
• 55:16
  Nick Massey: your
• 55:16
  Nick Massey: numbers,
• 55:16
  Nick Massey: especially
• 55:17
  Nick Massey: if
• 55:17
  Nick Massey: you're
• 55:17
  Nick Massey: looking
• 55:17
  Nick Massey: at
• 55:17
  Nick Massey: buying
• 55:18
  Nick Massey: an
• 55:18
  Nick Massey: asset.
• 55:19
  Nick Massey: And
• 55:19
  Nick Massey: you're
• 55:19
  Nick Massey: trying
• 55:19
  Nick Massey: to
• 55:20
  Nick Massey: see
• 55:20
  Nick Massey: if
• 55:20
  Nick Massey: it's
• 55:20
  Nick Massey: going
• 55:20
  Nick Massey: to
• 55:20
  Nick Massey: cashflow,
• 55:21
  Nick Massey: like
• 55:22
  Nick Massey: what
• 55:22
  Nick Massey: we
• 55:22
  Nick Massey: got
• 55:22
  Nick Massey: to,
• 55:22
  Nick Massey: obviously
• 55:23
  Nick Massey: you
• 55:23
  Nick Massey: got
• 55:23
  Nick Massey: to
• 55:23
  Nick Massey: buy
• 55:23
  Nick Massey: furniture
• 55:24
  Nick Massey: and
• 55:24
  Nick Massey: you
• 55:24
  Nick Massey: got
• 55:24
  Nick Massey: to
• 55:24
  Nick Massey: do
• 55:24
  Nick Massey: all
• 55:24
  Nick Massey: these
• 55:24
  Nick Massey: things.
• 55:25
  Nick Massey: You
• 55:25
  Nick Massey: got
• 55:25
  Nick Massey: to
• 55:25
  Nick Massey: set
• 55:25
  Nick Massey: it
• 55:25
  Nick Massey: up
• 55:25
  Nick Massey: and
• 55:25
  Nick Massey: you're
• 55:25
  Nick Massey: going
• 55:25
  Nick Massey: to
• 55:25
  Nick Massey: spend
• 55:26
  Nick Massey: time
• 55:26
  Nick Massey: and
• 55:26
  Nick Massey: get
• 55:26
  Nick Massey: photographers
• 55:27
  Nick Massey: and
• 55:27
  Nick Massey: all
• 55:27
  Nick Massey: these
• 55:27
  Nick Massey: startup
• 55:28
  Nick Massey: costs.
• 55:29
  Nick Massey: I
• 55:29
  Nick Massey: get
• 55:29
  Nick Massey: it,
• 55:30
  Nick Massey: but
• 55:30
  Nick Massey: let's
• 55:30
  Nick Massey: look
• 55:30
  Nick Massey: at
• 55:30
  Nick Massey: it
• 55:31
  Nick Massey: two
• 55:31
  Nick Massey: years
• 55:31
  Nick Massey: down
• 55:31
  Nick Massey: the
• 55:31
  Nick Massey: road.
• 55:32
  Nick Massey: Okay.
• 55:33
  Nick Massey: If
• 55:33
  Nick Massey: you
• 55:34
  Nick Massey: plan,
• 55:35
  Nick Massey: let's
• 55:35
  Nick Massey: say
• 55:35
  Nick Massey: you're
• 55:35
  Nick Massey: going
• 55:35
  Nick Massey: to
• 55:35
  Nick Massey: make
• 55:35
  Nick Massey: 80,
• 55:36
  Nick Massey: 000
• 55:36
  Nick Massey: a
• 55:36
  Nick Massey: year
• 55:36
  Nick Massey: gross,
• 55:37
  Nick Massey: and
• 55:37
  Nick Massey: you're
• 55:37
  Nick Massey: going
• 55:37
  Nick Massey: to
• 55:37
  Nick Massey: do
• 55:38
  Nick Massey: 30,
• 55:38
  Nick Massey: 000
• 55:39
  Nick Massey: net
• 55:40
  Nick Massey: because
• 55:40
  Nick Massey: you
• 55:40
  Nick Massey: have
• 55:40
  Nick Massey: a
• 55:40
  Nick Massey: lot
• 55:41
  Nick Massey: of
• 55:41
  Nick Massey: expenses,
• 55:41
  Nick Massey: a
• 55:41
  Nick Massey: very
• 55:42
  Nick Massey: nice
• 55:42
  Nick Massey: home.
• 55:42
  Nick Massey: Interest
• 55:43
  Nick Massey: rates
• 55:43
  Nick Massey: are
• 55:43
  Nick Massey: up.
• 55:43
  Nick Massey: Property
• 55:44
  Nick Massey: taxes
• 55:44
  Nick Massey: are
• 55:44
  Nick Massey: up.
• 55:45
  Nick Massey: You
• 55:45
  Nick Massey: have
• 55:45
  Nick Massey: more
• 55:45
  Nick Massey: expenses.
• 55:46
  Nick Massey: So
• 55:46
  Nick Massey: you're
• 55:46
  Nick Massey: going
• 55:46
  Nick Massey: to
• 55:46
  Nick Massey: make
• 55:46
  Nick Massey: 30
• 55:47
  Nick Massey: K.
• 55:48
  Nick Massey: And
• 55:48
  Nick Massey: you
• 55:48
  Nick Massey: plan
• 55:49
  Nick Massey: that
• 55:49
  Nick Massey: 30,
• 55:49
  Nick Massey: 000
• 55:49
  Nick Massey: off
• 55:50
  Nick Massey: a
• 55:50
  Nick Massey: 2,
• 55:51
  Nick Massey: 000
• 55:51
  Nick Massey: a
• 55:51
  Nick Massey: year
• 55:51
  Nick Massey: insurance
• 55:51
  Nick Massey: policy
• 55:52
  Nick Massey: that's
• 55:52
  Nick Massey: not
• 55:52
  Nick Massey: the
• 55:52
  Nick Massey: right
• 55:52
  Nick Massey: coverage
• 55:54
  Nick Massey: versus,
• 55:54
  Nick Massey: say,
• 55:55
  Nick Massey: my
• 55:55
  Nick Massey: 4,
• 55:55
  Nick Massey: 000
• 55:56
  Nick Massey: a
• 55:56
  Nick Massey: year.
• 55:56
  Nick Massey: Guess
• 55:56
  Nick Massey: what?
• 55:56
  Nick Massey: You're
• 55:57
  Nick Massey: still
• 55:57
  Nick Massey: going
• 55:57
  Nick Massey: to
• 55:57
  Nick Massey: cash
• 55:57
  Nick Massey: flow.
• 55:57
  Nick Massey: You're
• 55:57
  Nick Massey: going
• 55:57
  Nick Massey: to
• 55:58
  Nick Massey: make
• 55:58
  Nick Massey: 28,
• 55:58
  Nick Massey: 000.
• 55:59
  Nick Massey: Increase
• 56:00
  Nick Massey: your
• 56:00
  Nick Massey: nightly
• 56:00
  Nick Massey: rate
• 56:00
  Nick Massey: by
• 56:00
  Nick Massey: 15
• 56:01
  Nick Massey: a
• 56:01
  Nick Massey: night.
• 56:01
  Nick Massey: You'll
• 56:02
  Nick Massey: make
• 56:02
  Nick Massey: that
• 56:02
  Nick Massey: up
• 56:02
  Nick Massey: pretty
• 56:02
  Nick Massey: quickly.
• 56:03
  Nick Massey: All
• 56:04
  Nick Massey: right?
• 56:04
  Nick Massey: Also
• 56:05
  Nick Massey: need
• 56:05
  Nick Massey: to
• 56:05
  Nick Massey: look
• 56:05
  Nick Massey: at
• 56:05
  Nick Massey: this
• 56:05
  Nick Massey: in
• 56:05
  Nick Massey: a
• 56:06
  Nick Massey: way
• 56:06
  Nick Massey: of
• 56:06
  Nick Massey: how
• 56:07
  Nick Massey: fast
• 56:07
  Nick Massey: is
• 56:07
  Nick Massey: that
• 56:07
  Nick Massey: 30,
• 56:07
  Nick Massey: 000
• 56:09
  Nick Massey: in
• 56:09
  Nick Massey: cash
• 56:10
  Nick Massey: going
• 56:10
  Nick Massey: to
• 56:10
  Nick Massey: disappear
• 56:11
  Nick Massey: when
• 56:11
  Nick Massey: you
• 56:11
  Nick Massey: don't
• 56:11
  Nick Massey: have
• 56:11
  Nick Massey: the
• 56:11
  Nick Massey: right
• 56:12
  Nick Massey: coverage?
• 56:12
  Nick Massey: The
• 56:13
  Nick Massey: average
• 56:13
  Nick Massey: water
• 56:13
  Nick Massey: damage
• 56:13
  Nick Massey: claim
• 56:14
  Nick Massey: in
• 56:14
  Nick Massey: the
• 56:14
  Nick Massey: U.
• 56:14
  Nick Massey: S.
• 56:14
  Nick Massey: is
• 56:14
  Nick Massey: about
• 56:15
  Nick Massey: 18,
• 56:15
  Nick Massey: 000.
• 56:16
  Nick Massey: So
• 56:16
  Nick Massey: that's
• 56:17
  Nick Massey: half
• 56:17
  Nick Massey: of
• 56:17
  Nick Massey: it.
• 56:18
  Nick Massey: And
• 56:18
  Nick Massey: then
• 56:18
  Nick Massey: you
• 56:18
  Nick Massey: also
• 56:18
  Nick Massey: aren't
• 56:19
  Nick Massey: making
• 56:19
  Nick Massey: that
• 56:19
  Nick Massey: revenue,
• 56:20
  Nick Massey: plus
• 56:21
  Nick Massey: you
• 56:21
  Nick Massey: have
• 56:21
  Nick Massey: to
• 56:21
  Nick Massey: pay
• 56:21
  Nick Massey: your
• 56:21
  Nick Massey: ongoing
• 56:22
  Nick Massey: expenses
• 56:22
  Nick Massey: and
• 56:23
  Nick Massey: carry
• 56:23
  Nick Massey: costs
• 56:23
  Nick Massey: while
• 56:23
  Nick Massey: that
• 56:23
  Nick Massey: restoration
• 56:24
  Nick Massey: is
• 56:24
  Nick Massey: happening.
• 56:25
  Nick Massey: One
• 56:26
  Nick Massey: average
• 56:26
  Nick Massey: claim
• 56:27
  Nick Massey: can
• 56:27
  Nick Massey: wipe
• 56:27
  Nick Massey: out
• 56:27
  Nick Massey: your
• 56:27
  Nick Massey: entire
• 56:28
  Nick Massey: cash
• 56:28
  Nick Massey: flow
• 56:28
  Nick Massey: for
• 56:28
  Nick Massey: the
• 56:28
  Nick Massey: year
• 56:29
  Nick Massey: by
• 56:30
  Nick Massey: trying
• 56:30
  Nick Massey: to
• 56:30
  Nick Massey: save
• 56:30
  Nick Massey: a
• 56:30
  Nick Massey: couple
• 56:30
  Nick Massey: of
• 56:31
  Nick Massey: bucks
• 56:31
  Nick Massey: a
• 56:31
  Nick Massey: month.
• 56:32
  Nick Massey: Um,
• 56:33
  Nick Massey: and
• 56:33
  Nick Massey: I
• 56:33
  Nick Massey: know
• 56:33
  Nick Massey: that's
• 56:33
  Nick Massey: like
• 56:33
  Nick Massey: a
• 56:33
  Nick Massey: very
• 56:34
  Nick Massey: honest
• 56:34
  Nick Massey: and
• 56:34
  Nick Massey: maybe
• 56:34
  Nick Massey: like
• 56:35
  Nick Massey: a
• 56:35
  Nick Massey: very
• 56:35
  Nick Massey: like,
• 56:36
  Nick Massey: kind
• 56:36
  Nick Massey: of
• 56:36
  Nick Massey: like
• 56:36
  Nick Massey: dad
• 56:36
  Nick Massey: thing
• 56:37
  Nick Massey: for
• 56:37
  Nick Massey: me
• 56:37
  Nick Massey: to
• 56:37
  Nick Massey: come
• 56:37
  Nick Massey: in
• 56:37
  Nick Massey: and
• 56:38
  Nick Massey: be
• 56:38
  Nick Massey: like,
• 56:38
  Nick Massey: no,
• 56:38
  Nick Massey: you
• 56:38
  Nick Massey: got
• 56:38
  Nick Massey: to
• 56:38
  Nick Massey: do
• 56:39
  Nick Massey: it
• 56:39
  Nick Massey: this
• 56:39
  Nick Massey: way.
• 56:39
  Nick Massey: Uh,
• 56:40
  Nick Massey: but
• 56:41
  Nick Massey: it's,
• 56:41
  Nick Massey: it's
• 56:41
  Nick Massey: the
• 56:41
  Nick Massey: truth.
• 56:42
  Nick Massey: It's
• 56:42
  Nick Massey: the
• 56:42
  Nick Massey: truth
• 56:43
  Nick Massey: of
• 56:43
  Nick Massey: it.
• 56:43
  Nick Massey: Um,
• 56:44
  Nick Massey: You,
• 56:45
  Nick Massey: you,
• 56:45
  Nick Massey: you
• 56:45
  Nick Massey: just
• 56:46
  Nick Massey: need
• 56:46
  Nick Massey: to
• 56:46
  Nick Massey: spend
• 56:46
  Nick Massey: more
• 56:46
  Nick Massey: time
• 56:47
  Nick Massey: on
• 56:47
  Nick Massey: investigating
• 56:48
  Nick Massey: this
• 56:48
  Nick Massey: and
• 56:49
  Nick Massey: thinking
• 56:49
  Nick Massey: about
• 56:49
  Nick Massey: it
• 56:49
  Nick Massey: and,
• 56:50
  Nick Massey: and
• 56:50
  Nick Massey: not
• 56:50
  Nick Massey: just
• 56:51
  Nick Massey: eliminate
• 56:51
  Nick Massey: the
• 56:51
  Nick Massey: mindset
• 56:52
  Nick Massey: of
• 56:52
  Nick Massey: I
• 56:53
  Nick Massey: want
• 56:53
  Nick Massey: to
• 56:53
  Nick Massey: keep
• 56:53
  Nick Massey: my
• 56:53
  Nick Massey: low
• 56:54
  Nick Massey: expenses,
• 56:54
  Nick Massey: but
• 56:55
  Nick Massey: eliminate
• 56:55
  Nick Massey: the
• 56:55
  Nick Massey: mindset
• 56:56
  Nick Massey: of
• 56:56
  Nick Massey: it's
• 56:56
  Nick Massey: never
• 56:56
  Nick Massey: going
• 56:56
  Nick Massey: to
• 56:56
  Nick Massey: happen
• 56:56
  Nick Massey: to
• 56:56
  Nick Massey: me.
• 56:57
  Annette Grant: Right.
• 56:58
  Nick Massey: Because
• 56:59
  Nick Massey: the
• 56:59
  Nick Massey: average
• 57:00
  Nick Massey: claimable
• 57:01
  Nick Massey: event
• 57:01
  Nick Massey: in
• 57:02
  Nick Massey: the
• 57:02
  Nick Massey: US
• 57:02
  Nick Massey: for
• 57:02
  Nick Massey: residential
• 57:03
  Nick Massey: property
• 57:03
  Nick Massey: is
• 57:03
  Nick Massey: once
• 57:03
  Nick Massey: every
• 57:03
  Nick Massey: 10
• 57:04
  Nick Massey: years.
• 57:04
  Nick Massey: Our
• 57:05
  Nick Massey: data.
• 57:06
  Nick Massey: Shows
• 57:06
  Nick Massey: that
• 57:06
  Nick Massey: it's
• 57:06
  Nick Massey: about
• 57:06
  Nick Massey: once
• 57:07
  Nick Massey: every
• 57:07
  Nick Massey: five
• 57:07
  Nick Massey: years
• 57:08
  Nick Massey: for
• 57:08
  Nick Massey: a
• 57:08
  Nick Massey: vacation
• 57:08
  Nick Massey: rental.
• 57:08
  Nick Massey: So
• 57:08
  Nick Massey: you're
• 57:09
  Nick Massey: almost
• 57:09
  Nick Massey: twice
• 57:09
  Nick Massey: as
• 57:10
  Nick Massey: likely
• 57:10
  Nick Massey: to
• 57:11
  Nick Massey: experience
• 57:11
  Nick Massey: a
• 57:11
  Nick Massey: loss
• 57:12
  Nick Massey: at
• 57:12
  Nick Massey: your
• 57:12
  Nick Massey: property
• 57:12
  Nick Massey: when
• 57:12
  Nick Massey: you
• 57:13
  Nick Massey: operate
• 57:13
  Nick Massey: as
• 57:13
  Nick Massey: a
• 57:13
  Nick Massey: vacation
• 57:14
  Nick Massey: rental
• 57:14
  Nick Massey: than
• 57:14
  Nick Massey: if
• 57:14
  Nick Massey: you
• 57:14
  Nick Massey: just
• 57:15
  Nick Massey: Operate
• 57:15
  Nick Massey: it
• 57:15
  Nick Massey: as
• 57:15
  Nick Massey: a
• 57:15
  Nick Massey: primary
• 57:16
  Nick Massey: home
• 57:16
  Nick Massey: or
• 57:16
  Nick Massey: a
• 57:16
  Nick Massey: long
• 57:16
  Nick Massey: term
• 57:17
  Nick Massey: rental.
• 57:18
  Sarah Karakaian: We
• 57:18
  Sarah Karakaian: don't
• 57:18
  Sarah Karakaian: have
• 57:18
  Sarah Karakaian: to
• 57:18
  Sarah Karakaian: fear
• 57:18
  Sarah Karakaian: it
• 57:19
  Sarah Karakaian: as
• 57:19
  Sarah Karakaian: long
• 57:19
  Sarah Karakaian: as
• 57:19
  Sarah Karakaian: we
• 57:19
  Sarah Karakaian: have
• 57:19
  Sarah Karakaian: no
• 57:20
  Sarah Karakaian: but
• 57:20
  Sarah Karakaian: We
• 57:21
  Sarah Karakaian: know
• 57:21
  Sarah Karakaian: the
• 57:21
  Sarah Karakaian: stats
• 57:21
  Sarah Karakaian: and
• 57:22
  Sarah Karakaian: yeah
• 57:22
  Sarah Karakaian: proper
• 57:23
  Sarah Karakaian: coverage
• 57:23
  Sarah Karakaian: and
• 57:23
  Sarah Karakaian: being
• 57:24
  Sarah Karakaian: as
• 57:24
  Sarah Karakaian: open
• 57:24
  Sarah Karakaian: and
• 57:24
  Sarah Karakaian: honest
• 57:24
  Sarah Karakaian: and
• 57:25
  Sarah Karakaian: transparent
• 57:25
  Sarah Karakaian: as
• 57:25
  Sarah Karakaian: you
• 57:25
  Sarah Karakaian: can
• 57:26
  Sarah Karakaian: with
• 57:26
  Sarah Karakaian: your
• 57:26
  Sarah Karakaian: team
• 57:26
  Sarah Karakaian: and
• 57:26
  Sarah Karakaian: your
• 57:27
  Sarah Karakaian: insurance
• 57:27
  Sarah Karakaian: Provider
• 57:27
  Sarah Karakaian: is
• 57:28
  Sarah Karakaian: part
• 57:28
  Sarah Karakaian: of
• 57:28
  Sarah Karakaian: your
• 57:28
  Sarah Karakaian: team
• 57:29
  Nick Massey: Yeah,
• 57:29
  Nick Massey: exactly.
• 57:30
  Nick Massey: And
• 57:30
  Nick Massey: that's,
• 57:31
  Nick Massey: that's
• 57:31
  Nick Massey: the
• 57:31
  Nick Massey: other
• 57:31
  Nick Massey: thing
• 57:32
  Nick Massey: you
• 57:32
  Nick Massey: think
• 57:33
  Nick Massey: about
• 57:33
  Nick Massey: Hilton
• 57:34
  Nick Massey: and
• 57:34
  Nick Massey: Marriott.
• 57:34
  Nick Massey: How
• 57:35
  Nick Massey: much
• 57:35
  Nick Massey: money
• 57:35
  Nick Massey: do
• 57:35
  Nick Massey: they
• 57:35
  Nick Massey: spend
• 57:37
  Nick Massey: on
• 57:37
  Nick Massey: engineers
• 57:38
  Nick Massey: and
• 57:38
  Nick Massey: professionals
• 57:40
  Nick Massey: that
• 57:40
  Nick Massey: come
• 57:40
  Nick Massey: in
• 57:41
  Nick Massey: and
• 57:41
  Nick Massey: inspect
• 57:41
  Nick Massey: their
• 57:41
  Nick Massey: properties
• 57:42
  Nick Massey: every
• 57:42
  Nick Massey: year
• 57:42
  Nick Massey: for
• 57:43
  Nick Massey: insurance?
• 57:44
  Nick Massey: Because,
• 57:45
  Nick Massey: again,
• 57:45
  Nick Massey: they
• 57:45
  Nick Massey: need
• 57:45
  Nick Massey: this
• 57:46
  Nick Massey: platform
• 57:46
  Nick Massey: of
• 57:46
  Nick Massey: defensibility.
• 57:47
  Nick Massey: If
• 57:47
  Nick Massey: somebody
• 57:48
  Nick Massey: gets
• 57:48
  Nick Massey: hurt
• 57:48
  Nick Massey: at
• 57:48
  Nick Massey: a
• 57:48
  Nick Massey: Hilton,
• 57:49
  Nick Massey: Hilton
• 57:49
  Nick Massey: has
• 57:49
  Nick Massey: way
• 57:50
  Nick Massey: bigger
• 57:50
  Nick Massey: pockets
• 57:50
  Nick Massey: than
• 57:50
  Nick Massey: we
• 57:50
  Nick Massey: do,
• 57:51
  Nick Massey: so
• 57:51
  Nick Massey: they
• 57:51
  Nick Massey: get
• 57:52
  Nick Massey: sued
• 57:52
  Nick Massey: for
• 57:52
  Nick Massey: a
• 57:52
  Nick Massey: lot
• 57:52
  Nick Massey: more.
• 57:52
  Nick Massey: So
• 57:53
  Nick Massey: they
• 57:53
  Nick Massey: want
• 57:53
  Nick Massey: to
• 57:53
  Nick Massey: make
• 57:53
  Nick Massey: sure
• 57:53
  Nick Massey: that
• 57:54
  Nick Massey: they
• 57:54
  Nick Massey: got
• 57:54
  Nick Massey: everything
• 57:55
  Nick Massey: buttoned
• 57:55
  Nick Massey: up
• 57:55
  Nick Massey: and
• 57:55
  Nick Massey: tight.
• 57:56
  Nick Massey: Um,
• 57:56
  Nick Massey: so
• 57:56
  Nick Massey: they
• 57:57
  Nick Massey: have
• 57:57
  Nick Massey: these
• 57:57
  Nick Massey: professional
• 57:57
  Nick Massey: risk
• 57:58
  Nick Massey: managers
• 57:58
  Nick Massey: that
• 57:58
  Nick Massey: are
• 57:58
  Nick Massey: typically
• 57:59
  Nick Massey: engineers.
• 58:00
  Nick Massey: highly
• 58:01
  Nick Massey: educated
• 58:01
  Nick Massey: individuals
• 58:02
  Nick Massey: who
• 58:02
  Nick Massey: come
• 58:02
  Nick Massey: out
• 58:02
  Nick Massey: and
• 58:02
  Nick Massey: inspect
• 58:03
  Nick Massey: the
• 58:03
  Nick Massey: property
• 58:03
  Nick Massey: on
• 58:03
  Nick Massey: an
• 58:03
  Nick Massey: annual
• 58:04
  Nick Massey: basis.
• 58:04
  Nick Massey: They
• 58:05
  Nick Massey: also
• 58:05
  Nick Massey: pay
• 58:05
  Nick Massey: them
• 58:05
  Nick Massey: a
• 58:05
  Nick Massey: ton
• 58:06
  Nick Massey: of
• 58:06
  Nick Massey: money.
• 58:07
  Nick Massey: So
• 58:07
  Nick Massey: one
• 58:07
  Nick Massey: thing
• 58:08
  Nick Massey: that
• 58:08
  Nick Massey: I
• 58:08
  Nick Massey: like
• 58:08
  Nick Massey: to
• 58:08
  Nick Massey: kind
• 58:09
  Nick Massey: of
• 58:09
  Nick Massey: tell
• 58:09
  Nick Massey: our
• 58:09
  Nick Massey: clients
• 58:09
  Nick Massey: is
• 58:10
  Nick Massey: like,
• 58:10
  Nick Massey: look,
• 58:10
  Nick Massey: you're
• 58:10
  Nick Massey: not
• 58:10
  Nick Massey: just
• 58:10
  Nick Massey: buying
• 58:11
  Nick Massey: an
• 58:11
  Nick Massey: insurance
• 58:11
  Nick Massey: policy.
• 58:11
  Nick Massey: You're,
• 58:12
  Nick Massey: you're
• 58:12
  Nick Massey: buying
• 58:12
  Nick Massey: a
• 58:12
  Nick Massey: risk
• 58:12
  Nick Massey: manager.
• 58:13
  Nick Massey: You're
• 58:13
  Nick Massey: hiring
• 58:13
  Nick Massey: a
• 58:13
  Nick Massey: risk
• 58:14
  Nick Massey: manager
• 58:14
  Nick Massey: into
• 58:14
  Nick Massey: your
• 58:14
  Nick Massey: business.
• 58:15
  Nick Massey: And
• 58:15
  Nick Massey: the
• 58:15
  Nick Massey: hope
• 58:16
  Nick Massey: is
• 58:16
  Nick Massey: is
• 58:16
  Nick Massey: that
• 58:16
  Nick Massey: we
• 58:17
  Nick Massey: just
• 58:17
  Nick Massey: get
• 58:17
  Nick Massey: to
• 58:17
  Nick Massey: communicate
• 58:18
  Nick Massey: once
• 58:18
  Nick Massey: a
• 58:18
  Nick Massey: year
• 58:18
  Nick Massey: and
• 58:19
  Nick Massey: we
• 58:19
  Nick Massey: review
• 58:19
  Nick Massey: your
• 58:19
  Nick Massey: property
• 58:20
  Nick Massey: and
• 58:20
  Nick Massey: your
• 58:20
  Nick Massey: listing
• 58:20
  Nick Massey: every
• 58:20
  Nick Massey: year.
• 58:21
  Nick Massey: And
• 58:21
  Nick Massey: maybe
• 58:22
  Nick Massey: some
• 58:22
  Nick Massey: years
• 58:23
  Nick Massey: we
• 58:23
  Nick Massey: have
• 58:24
  Nick Massey: to
• 58:24
  Nick Massey: Do
• 58:25
  Nick Massey: something
• 58:25
  Nick Massey: or
• 58:25
  Nick Massey: make
• 58:25
  Nick Massey: a
• 58:25
  Nick Massey: change
• 58:26
  Nick Massey: or
• 58:26
  Nick Massey: you
• 58:26
  Nick Massey: added
• 58:26
  Nick Massey: something
• 58:27
  Nick Massey: that
• 58:27
  Nick Massey: we
• 58:27
  Nick Massey: see
• 58:28
  Nick Massey: or
• 58:28
  Nick Massey: you
• 58:28
  Nick Massey: updated
• 58:29
  Nick Massey: your
• 58:29
  Nick Massey: photos
• 58:29
  Nick Massey: and
• 58:29
  Nick Massey: we
• 58:29
  Nick Massey: have
• 58:29
  Nick Massey: a
• 58:30
  Nick Massey: new
• 58:30
  Nick Massey: exposure
• 58:30
  Nick Massey: that
• 58:30
  Nick Massey: we
• 58:30
  Nick Massey: weren't
• 58:31
  Nick Massey: privy
• 58:31
  Nick Massey: to
• 58:32
  Nick Massey: and
• 58:32
  Nick Massey: the
• 58:32
  Nick Massey: setup
• 58:33
  Nick Massey: of
• 58:33
  Nick Massey: the
• 58:33
  Nick Massey: initial
• 58:33
  Nick Massey: policy.
• 58:34
  Nick Massey: And
• 58:34
  Nick Massey: so,
• 58:35
  Nick Massey: um,
• 58:36
  Nick Massey: you
• 58:36
  Nick Massey: know,
• 58:36
  Nick Massey: you
• 58:36
  Nick Massey: had
• 58:36
  Nick Massey: mentioned
• 58:36
  Nick Massey: it
• 58:37
  Nick Massey: earlier,
• 58:37
  Nick Massey: the
• 58:37
  Nick Massey: kind
• 58:37
  Nick Massey: of
• 58:37
  Nick Massey: annoyance
• 58:38
  Nick Massey: of
• 58:38
  Nick Massey: needing
• 58:38
  Nick Massey: the
• 58:39
  Nick Massey: photos
• 58:39
  Nick Massey: of
• 58:39
  Nick Massey: the
• 58:39
  Nick Massey: handrail
• 58:40
  Nick Massey: underwriters
• 58:41
  Nick Massey: are
• 58:41
  Nick Massey: annoying,
• 58:42
  Nick Massey: but
• 58:42
  Nick Massey: at
• 58:42
  Nick Massey: the
• 58:42
  Nick Massey: end
• 58:42
  Nick Massey: of
• 58:42
  Nick Massey: the
• 58:42
  Nick Massey: day,
• 58:43
  Nick Massey: it's
• 58:44
  Nick Massey: for
• 58:44
  Nick Massey: a
• 58:44
  Nick Massey: good
• 58:44
  Nick Massey: reason,
• 58:45
  Nick Massey: right?
• 58:45
  Nick Massey: And
• 58:46
  Nick Massey: we
• 58:46
  Nick Massey: want
• 58:46
  Nick Massey: to
• 58:46
  Nick Massey: work.
• 58:46
  Nick Massey: I
• 58:46
  Nick Massey: can't
• 58:47
  Nick Massey: go
• 58:47
  Nick Massey: out
• 58:47
  Nick Massey: to
• 58:47
  Nick Massey: your
• 58:47
  Nick Massey: property
• 58:48
  Nick Massey: and
• 58:48
  Nick Massey: every
• 58:48
  Nick Massey: one
• 58:48
  Nick Massey: of
• 58:49
  Nick Massey: our
• 58:49
  Nick Massey: clients
• 58:49
  Nick Massey: and
• 58:49
  Nick Massey: take
• 58:49
  Nick Massey: these
• 58:50
  Nick Massey: photos
• 58:50
  Nick Massey: myself.
• 58:50
  Nick Massey: So
• 58:51
  Nick Massey: you
• 58:51
  Nick Massey: can
• 58:51
  Nick Massey: have
• 58:52
  Nick Massey: your
• 58:52
  Nick Massey: cleaning
• 58:53
  Nick Massey: You
• 58:53
  Nick Massey: know,
• 58:53
  Nick Massey: team
• 58:53
  Nick Massey: do
• 58:53
  Nick Massey: it.
• 58:54
  Nick Massey: If
• 58:54
  Nick Massey: you're
• 58:54
  Nick Massey: a
• 58:54
  Nick Massey: remote,
• 58:55
  Nick Massey: um,
• 58:55
  Nick Massey: owner,
• 58:56
  Nick Massey: if
• 58:56
  Nick Massey: the
• 58:56
  Nick Massey: house
• 58:56
  Nick Massey: is
• 58:56
  Nick Massey: just
• 58:56
  Nick Massey: down
• 58:56
  Nick Massey: the
• 58:57
  Nick Massey: street,
• 58:57
  Nick Massey: just
• 58:57
  Nick Massey: walk
• 58:57
  Nick Massey: over,
• 58:57
  Nick Massey: snap
• 58:58
  Nick Massey: a
• 58:58
  Nick Massey: couple
• 58:58
  Nick Massey: of
• 58:58
  Nick Massey: photos,
• 58:58
  Nick Massey: text
• 58:59
  Nick Massey: them
• 58:59
  Nick Massey: to
• 58:59
  Nick Massey: us.
• 59:00
  Nick Massey: It'll
• 59:00
  Nick Massey: be
• 59:00
  Nick Massey: fine.
• 59:01
  Annette Grant: Yeah,
• 59:01
  Annette Grant: that
• 59:01
  Annette Grant: was
• 59:01
  Annette Grant: the
• 59:02
  Annette Grant: point
• 59:02
  Annette Grant: of
• 59:02
  Annette Grant: that
• 59:02
  Annette Grant: too,
• 59:02
  Annette Grant: of
• 59:03
  Annette Grant: like
• 59:03
  Annette Grant: proppers
• 59:03
  Annette Grant: paying
• 59:04
  Annette Grant: attention,
• 59:05
  Annette Grant: you
• 59:05
  Annette Grant: know,
• 59:05
  Annette Grant: like
• 59:05
  Annette Grant: it's
• 59:05
  Annette Grant: not
• 59:06
  Annette Grant: like,
• 59:06
  Annette Grant: Oh,
• 59:06
  Annette Grant: it's
• 59:06
  Annette Grant: policy
• 59:07
  Annette Grant: renewal.
• 59:08
  Annette Grant: Just
• 59:08
  Annette Grant: sign
• 59:08
  Annette Grant: again.
• 59:09
  Annette Grant: This
• 59:09
  Annette Grant: is
• 59:09
  Annette Grant: what
• 59:09
  Annette Grant: the
• 59:09
  Annette Grant: new,
• 59:10
  Annette Grant: this
• 59:10
  Annette Grant: is
• 59:10
  Annette Grant: the
• 59:10
  Annette Grant: rate.
• 59:10
  Annette Grant: It's
• 59:11
  Annette Grant: like,
• 59:11
  Annette Grant: no,
• 59:11
  Annette Grant: we
• 59:11
  Annette Grant: need
• 59:11
  Annette Grant: to
• 59:12
  Annette Grant: see
• 59:12
  Annette Grant: again,
• 59:12
  Annette Grant: like
• 59:12
  Annette Grant: this
• 59:13
  Annette Grant: is
• 59:13
  Annette Grant: your
• 59:13
  Annette Grant: current
• 59:13
  Annette Grant: listing
• 59:14
  Annette Grant: what's
• 59:14
  Annette Grant: going
• 59:14
  Annette Grant: on
• 59:15
  Annette Grant: there.
• 59:15
  Annette Grant: And,
• 59:15
  Annette Grant: and
• 59:15
  Annette Grant: that's,
• 59:16
  Annette Grant: that's
• 59:16
  Annette Grant: to
• 59:16
  Annette Grant: show
• 59:17
  Annette Grant: folks
• 59:17
  Annette Grant: also
• 59:18
  Annette Grant: like
• 59:18
  Annette Grant: if
• 59:19
  Annette Grant: your
• 59:19
  Annette Grant: insurance.
• 59:20
  Annette Grant: Company
• 59:20
  Annette Grant: isn't
• 59:21
  Annette Grant: doing
• 59:21
  Annette Grant: this
• 59:21
  Annette Grant: then
• 59:21
  Annette Grant: how
• 59:21
  Annette Grant: closely
• 59:22
  Annette Grant: are
• 59:22
  Annette Grant: they
• 59:22
  Annette Grant: even
• 59:22
  Annette Grant: looking
• 59:23
  Annette Grant: at
• 59:23
  Annette Grant: your
• 59:23
  Annette Grant: property?
• 59:24
  Annette Grant: You
• 59:24
  Annette Grant: know
• 59:25
  Annette Grant: if
• 59:25
  Annette Grant: you
• 59:25
  Annette Grant: haven't
• 59:25
  Annette Grant: had
• 59:25
  Annette Grant: to
• 59:25
  Annette Grant: supply
• 59:26
  Annette Grant: them
• 59:26
  Annette Grant: with
• 59:27
  Annette Grant: With
• 59:28
  Annette Grant: any
• 59:28
  Annette Grant: documents
• 59:29
  Annette Grant: about
• 59:29
  Annette Grant: about
• 59:30
  Annette Grant: the
• 59:30
  Annette Grant: property
• 59:30
  Annette Grant: they
• 59:31
  Annette Grant: should
• 59:31
  Annette Grant: kind
• 59:31
  Annette Grant: of
• 59:31
  Annette Grant: be
• 59:31
  Annette Grant: fearful
• 59:32
  Annette Grant: of
• 59:32
  Annette Grant: that.
• 59:33
  Nick Massey: Yeah
• 59:33
  Nick Massey: Yeah,
• 59:33
  Nick Massey: and
• 59:33
  Nick Massey: and
• 59:34
  Nick Massey: again
• 59:35
  Nick Massey: some
• 59:35
  Nick Massey: of
• 59:35
  Nick Massey: our
• 59:35
  Nick Massey: closer
• 59:36
  Nick Massey: commercial
• 59:36
  Nick Massey: competitors
• 59:37
  Nick Massey: are
• 59:37
  Nick Massey: doing
• 59:37
  Nick Massey: the
• 59:37
  Nick Massey: same
• 59:37
  Nick Massey: thing
• 59:38
  Nick Massey: we
• 59:38
  Nick Massey: are
• 59:39
  Nick Massey: And
• 59:39
  Nick Massey: and
• 59:40
  Nick Massey: I've
• 59:40
  Nick Massey: heard
• 59:40
  Nick Massey: from
• 59:40
  Nick Massey: clients
• 59:41
  Nick Massey: too.
• 59:41
  Nick Massey: They're
• 59:41
  Nick Massey: like,
• 59:41
  Nick Massey: oh
• 59:41
  Nick Massey: my
• 59:41
  Nick Massey: gosh
• 59:42
  Nick Massey: I
• 59:42
  Nick Massey: want
• 59:42
  Nick Massey: to
• 59:42
  Nick Massey: leave
• 59:42
  Nick Massey: this
• 59:42
  Nick Massey: company
• 59:43
  Nick Massey: because
• 59:43
  Nick Massey: the
• 59:43
  Nick Massey: underwriting
• 59:44
  Nick Massey: is
• 59:44
  Nick Massey: so
• 59:44
  Nick Massey: annoying
• 59:45
  Nick Massey: And
• 59:45
  Nick Massey: then
• 59:45
  Nick Massey: we
• 59:46
  Nick Massey: look
• 59:46
  Nick Massey: into
• 59:46
  Nick Massey: it
• 59:46
  Nick Massey: and
• 59:46
  Nick Massey: we're
• 59:46
  Nick Massey: like,
• 59:46
  Nick Massey: well,
• 59:46
  Nick Massey: we're
• 59:46
  Nick Massey: going
• 59:47
  Nick Massey: to
• 59:47
  Nick Massey: ask
• 59:47
  Nick Massey: for
• 59:47
  Nick Massey: the
• 59:47
  Nick Massey: same
• 59:47
  Nick Massey: stuff.
• 59:48
  Annette Grant: Right.
• 59:49
  Nick Massey: So,
• 59:49
  Nick Massey: you
• 59:50
  Nick Massey: know,
• 59:50
  Nick Massey: we're,
• 59:50
  Nick Massey: it's
• 59:50
  Nick Massey: just,
• 59:50
  Nick Massey: we're
• 59:51
  Nick Massey: looking
• 59:51
  Nick Massey: out
• 59:51
  Nick Massey: for
• 59:51
  Nick Massey: you.
• 59:51
  Nick Massey: And
• 59:52
  Nick Massey: again,
• 59:52
  Nick Massey: nothing
• 59:53
  Nick Massey: against
• 59:53
  Nick Massey: them.
• 59:53
  Nick Massey: I'd
• 59:53
  Nick Massey: love
• 59:53
  Nick Massey: to
• 59:53
  Nick Massey: have
• 59:54
  Nick Massey: your
• 59:54
  Nick Massey: business,
• 59:54
  Nick Massey: but
• 59:54
  Nick Massey: I'm
• 59:54
  Nick Massey: going
• 59:55
  Nick Massey: to,
• 59:55
  Nick Massey: I'm
• 59:55
  Nick Massey: going
• 59:55
  Nick Massey: to
• 59:55
  Nick Massey: make
• 59:55
  Nick Massey: you
• 59:55
  Nick Massey: put
• 59:55
  Nick Massey: in
• 59:56
  Nick Massey: a
• 59:56
  Nick Massey: handrail
• 59:56
  Nick Massey: on
• 59:56
  Nick Massey: your
• 59:57
  Nick Massey: stairs
• 59:57
  Nick Massey: as
• 59:57
  Nick Massey: well.
• 59:57
  Nick Massey: Right.
• 59:58
  Nick Massey: It
• 59:58
  Nick Massey: needs
• 59:59
  Nick Massey: to
• 59:59
  Nick Massey: be
• 59:59
  Nick Massey: there.
• 59:59
  Nick Massey: It's
• 59:59
  Nick Massey: building
• 1:00:00
  Nick Massey: code.
• 1:00:00
  Nick Massey: It's
• 1:00:01
  Nick Massey: your
• 1:00:01
  Nick Massey: commercial
• 1:00:01
  Nick Massey: asset.
• 1:00:02
  Nick Massey: Now
• 1:00:02
  Nick Massey: you
• 1:00:02
  Nick Massey: have
• 1:00:02
  Nick Massey: to
• 1:00:03
  Nick Massey: have
• 1:00:03
  Nick Massey: a
• 1:00:03
  Nick Massey: handrail.
• 1:00:03
  Sarah Karakaian: Uh,
• 1:00:04
  Sarah Karakaian: uh,
• 1:00:05
  Sarah Karakaian: listeners.
• 1:00:05
  Sarah Karakaian: Yeah.
• 1:00:06
  Sarah Karakaian: How
• 1:00:06
  Sarah Karakaian: does.
• 1:00:07
  Sarah Karakaian: As
• 1:00:07
  Sarah Karakaian: we
• 1:00:07
  Sarah Karakaian: wrap
• 1:00:08
  Sarah Karakaian: up
• 1:00:08
  Sarah Karakaian: this
• 1:00:08
  Sarah Karakaian: episode,
• 1:00:08
  Sarah Karakaian: because
• 1:00:09
  Sarah Karakaian: it's
• 1:00:09
  Sarah Karakaian: a
• 1:00:09
  Sarah Karakaian: heavy
• 1:00:09
  Sarah Karakaian: one,
• 1:00:10
  Sarah Karakaian: but
• 1:00:10
  Sarah Karakaian: it's
• 1:00:10
  Sarah Karakaian: an
• 1:00:10
  Sarah Karakaian: important
• 1:00:11
  Sarah Karakaian: one,
• 1:00:11
  Sarah Karakaian: so
• 1:00:11
  Sarah Karakaian: everyone
• 1:00:11
  Sarah Karakaian: should
• 1:00:11
  Sarah Karakaian: save
• 1:00:12
  Sarah Karakaian: this
• 1:00:12
  Sarah Karakaian: and
• 1:00:13
  Sarah Karakaian: share
• 1:00:13
  Sarah Karakaian: it
• 1:00:13
  Sarah Karakaian: with
• 1:00:13
  Sarah Karakaian: your
• 1:00:13
  Sarah Karakaian: business
• 1:00:14
  Sarah Karakaian: partner,
• 1:00:14
  Sarah Karakaian: your
• 1:00:14
  Sarah Karakaian: life
• 1:00:14
  Sarah Karakaian: partner,
• 1:00:14
  Sarah Karakaian: whoever's
• 1:00:15
  Sarah Karakaian: doing
• 1:00:15
  Sarah Karakaian: the
• 1:00:15
  Sarah Karakaian: rentals
• 1:00:15
  Sarah Karakaian: with
• 1:00:16
  Sarah Karakaian: you.
• 1:00:16
  Sarah Karakaian: But
• 1:00:17
  Sarah Karakaian: I
• 1:00:17
  Sarah Karakaian: want
• 1:00:17
  Sarah Karakaian: to
• 1:00:17
  Sarah Karakaian: talk
• 1:00:17
  Sarah Karakaian: about,
• 1:00:18
  Sarah Karakaian: if
• 1:00:18
  Sarah Karakaian: you've
• 1:00:18
  Sarah Karakaian: been
• 1:00:18
  Sarah Karakaian: listening
• 1:00:18
  Sarah Karakaian: to
• 1:00:18
  Sarah Karakaian: TFU
• 1:00:19
  Sarah Karakaian: for
• 1:00:19
  Sarah Karakaian: a
• 1:00:19
  Sarah Karakaian: while,
• 1:00:19
  Sarah Karakaian: you
• 1:00:19
  Sarah Karakaian: know
• 1:00:19
  Sarah Karakaian: that
• 1:00:20
  Sarah Karakaian: we
• 1:00:20
  Sarah Karakaian: love
• 1:00:20
  Sarah Karakaian: the
• 1:00:20
  Sarah Karakaian: Breezeway
• 1:00:21
  Sarah Karakaian: platform.
• 1:00:22
  Sarah Karakaian: Pilots
• 1:00:22
  Sarah Karakaian: need
• 1:00:22
  Sarah Karakaian: checklists.
• 1:00:23
  Sarah Karakaian: Doctors
• 1:00:23
  Sarah Karakaian: need
• 1:00:24
  Sarah Karakaian: checklists.
• 1:00:24
  Sarah Karakaian: Surgeons
• 1:00:24
  Sarah Karakaian: need
• 1:00:24
  Sarah Karakaian: checklists.
• 1:00:26
  Sarah Karakaian: Hosts
• 1:00:26
  Sarah Karakaian: need
• 1:00:26
  Sarah Karakaian: checklists.
• 1:00:27
  Sarah Karakaian: How
• 1:00:28
  Sarah Karakaian: does
• 1:00:28
  Sarah Karakaian: Breezeway
• 1:00:29
  Sarah Karakaian: work
• 1:00:29
  Sarah Karakaian: with
• 1:00:29
  Sarah Karakaian: Proper
• 1:00:31
  Sarah Karakaian: to
• 1:00:31
  Sarah Karakaian: help
• 1:00:31
  Sarah Karakaian: us?
• 1:00:32
  Sarah Karakaian: stay
• 1:00:34
  Sarah Karakaian: compliant
• 1:00:35
  Sarah Karakaian: to
• 1:00:35
  Sarah Karakaian: help
• 1:00:35
  Sarah Karakaian: us
• 1:00:35
  Sarah Karakaian: avoid
• 1:00:36
  Sarah Karakaian: liabilities.
• 1:00:37
  Sarah Karakaian: What
• 1:00:37
  Sarah Karakaian: sort
• 1:00:37
  Sarah Karakaian: of
• 1:00:37
  Sarah Karakaian: partnership
• 1:00:37
  Sarah Karakaian: do
• 1:00:38
  Sarah Karakaian: you
• 1:00:38
  Sarah Karakaian: guys
• 1:00:38
  Sarah Karakaian: have?
• 1:00:39
  Nick Massey: Yeah,
• 1:00:39
  Nick Massey: so
• 1:00:40
  Nick Massey: Justin
• 1:00:40
  Nick Massey: Ford,
• 1:00:41
  Nick Massey: um,
• 1:00:42
  Nick Massey: great,
• 1:00:43
  Nick Massey: great
• 1:00:43
  Nick Massey: personal
• 1:00:43
  Nick Massey: friend.
• 1:00:44
  Nick Massey: Uh,
• 1:00:44
  Nick Massey: I
• 1:00:44
  Nick Massey: met
• 1:00:45
  Nick Massey: him
• 1:00:45
  Nick Massey: in
• 1:00:45
  Nick Massey: 2017,
• 1:00:46
  Nick Massey: I
• 1:00:46
  Nick Massey: believe
• 1:00:47
  Nick Massey: it
• 1:00:47
  Nick Massey: was,
• 1:00:47
  Nick Massey: at
• 1:00:47
  Nick Massey: a
• 1:00:47
  Nick Massey: VRMA
• 1:00:48
  Nick Massey: conference.
• 1:00:48
  Nick Massey: And,
• 1:00:49
  Nick Massey: um,
• 1:00:51
  Nick Massey: so
• 1:00:52
  Nick Massey: we
• 1:00:52
  Nick Massey: started
• 1:00:52
  Nick Massey: getting
• 1:00:53
  Nick Massey: into
• 1:00:53
  Nick Massey: this
• 1:00:53
  Nick Massey: whole,
• 1:00:54
  Nick Massey: Hey,
• 1:00:54
  Nick Massey: what
• 1:00:54
  Nick Massey: does
• 1:00:55
  Nick Massey: your
• 1:00:55
  Nick Massey: underwriting
• 1:00:55
  Nick Massey: look
• 1:00:55
  Nick Massey: like?
• 1:00:56
  Nick Massey: What
• 1:00:56
  Nick Massey: kind
• 1:00:56
  Nick Massey: of
• 1:00:56
  Nick Massey: safety
• 1:00:57
  Nick Massey: things
• 1:00:57
  Nick Massey: do
• 1:00:57
  Nick Massey: you
• 1:00:57
  Nick Massey: guys
• 1:00:58
  Nick Massey: require?
• 1:00:58
  Nick Massey: And
• 1:00:59
  Nick Massey: it
• 1:00:59
  Nick Massey: really
• 1:00:59
  Nick Massey: just
• 1:00:59
  Nick Massey: started
• 1:00:59
  Nick Massey: on
• 1:01:00
  Nick Massey: the
• 1:01:00
  Nick Massey: basis
• 1:01:00
  Nick Massey: like,
• 1:01:00
  Nick Massey: Do
• 1:01:00
  Nick Massey: you
• 1:01:00
  Nick Massey: require
• 1:01:01
  Nick Massey: fire
• 1:01:01
  Nick Massey: extinguishers
• 1:01:01
  Nick Massey: and
• 1:01:02
  Nick Massey: smoke
• 1:01:02
  Nick Massey: detectors?
• 1:01:02
  Nick Massey: And
• 1:01:02
  Nick Massey: it's
• 1:01:02
  Nick Massey: like,
• 1:01:03
  Nick Massey: yeah,
• 1:01:03
  Nick Massey: that's
• 1:01:03
  Nick Massey: kind
• 1:01:03
  Nick Massey: of
• 1:01:03
  Nick Massey: fundamental.
• 1:01:04
  Nick Massey: Number
• 1:01:04
  Nick Massey: one,
• 1:01:05
  Nick Massey: um,
• 1:01:06
  Nick Massey: and
• 1:01:07
  Nick Massey: as
• 1:01:07
  Nick Massey: he
• 1:01:07
  Nick Massey: started
• 1:01:08
  Nick Massey: to,
• 1:01:08
  Nick Massey: uh,
• 1:01:09
  Nick Massey: as
• 1:01:09
  Nick Massey: Breezeway
• 1:01:09
  Nick Massey: kind
• 1:01:09
  Nick Massey: of
• 1:01:10
  Nick Massey: took
• 1:01:10
  Nick Massey: over
• 1:01:10
  Nick Massey: his
• 1:01:10
  Nick Massey: program
• 1:01:11
  Nick Massey: and
• 1:01:11
  Nick Massey: he's
• 1:01:11
  Nick Massey: now
• 1:01:12
  Nick Massey: their
• 1:01:12
  Nick Massey: head
• 1:01:12
  Nick Massey: of
• 1:01:12
  Nick Massey: safety,
• 1:01:13
  Nick Massey: uh,
• 1:01:13
  Nick Massey: we
• 1:01:14
  Nick Massey: worked
• 1:01:14
  Nick Massey: with
• 1:01:14
  Nick Massey: Justin
• 1:01:15
  Nick Massey: very
• 1:01:15
  Nick Massey: early
• 1:01:15
  Nick Massey: on
• 1:01:16
  Nick Massey: to
• 1:01:16
  Nick Massey: say,
• 1:01:16
  Nick Massey: this
• 1:01:16
  Nick Massey: is
• 1:01:16
  Nick Massey: what
• 1:01:17
  Nick Massey: our
• 1:01:17
  Nick Massey: baseline
• 1:01:18
  Nick Massey: requirements.
• 1:01:18
  Nick Massey: And
• 1:01:19
  Nick Massey: he
• 1:01:19
  Nick Massey: agreed
• 1:01:19
  Nick Massey: 100
• 1:01:20
  Nick Massey: percent
• 1:01:20
  Nick Massey: with
• 1:01:20
  Nick Massey: everything
• 1:01:21
  Nick Massey: that
• 1:01:21
  Nick Massey: we
• 1:01:21
  Nick Massey: require
• 1:01:22
  Nick Massey: from
• 1:01:22
  Nick Massey: clients.
• 1:01:23
  Nick Massey: Um,
• 1:01:23
  Nick Massey: and
• 1:01:23
  Nick Massey: then
• 1:01:24
  Nick Massey: he
• 1:01:24
  Nick Massey: went
• 1:01:24
  Nick Massey: above
• 1:01:24
  Nick Massey: and
• 1:01:24
  Nick Massey: beyond
• 1:01:25
  Nick Massey: that.
• 1:01:25
  Nick Massey: And
• 1:01:26
  Nick Massey: so
• 1:01:26
  Nick Massey: my
• 1:01:26
  Nick Massey: checklist
• 1:01:27
  Nick Massey: is
• 1:01:27
  Nick Massey: like
• 1:01:27
  Nick Massey: 22
• 1:01:28
  Nick Massey: things.
• 1:01:28
  Nick Massey: His
• 1:01:29
  Nick Massey: checklist
• 1:01:29
  Nick Massey: is
• 1:01:29
  Nick Massey: like
• 1:01:29
  Nick Massey: 50,
• 1:01:30
  Nick Massey: but
• 1:01:30
  Nick Massey: it
• 1:01:30
  Nick Massey: includes
• 1:01:31
  Nick Massey: those
• 1:01:31
  Nick Massey: 22.
• 1:01:32
  Annette Grant: Right.
• 1:01:32
  Nick Massey: Um,
• 1:01:33
  Nick Massey: And
• 1:01:33
  Nick Massey: so
• 1:01:33
  Nick Massey: we
• 1:01:33
  Nick Massey: looked
• 1:01:34
  Nick Massey: at
• 1:01:34
  Nick Massey: that
• 1:01:34
  Nick Massey: and
• 1:01:34
  Nick Massey: said,
• 1:01:34
  Nick Massey: look,
• 1:01:34
  Nick Massey: if,
• 1:01:35
  Nick Massey: if
• 1:01:35
  Nick Massey: somebody's
• 1:01:35
  Nick Massey: willing
• 1:01:36
  Nick Massey: to
• 1:01:36
  Nick Massey: go
• 1:01:36
  Nick Massey: out
• 1:01:37
  Nick Massey: and
• 1:01:37
  Nick Massey: do
• 1:01:38
  Nick Massey: this
• 1:01:38
  Nick Massey: checklist,
• 1:01:39
  Nick Massey: whether
• 1:01:39
  Nick Massey: they're
• 1:01:40
  Nick Massey: a
• 1:01:40
  Nick Massey: property
• 1:01:40
  Nick Massey: manager,
• 1:01:40
  Nick Massey: managing
• 1:01:41
  Nick Massey: multiple
• 1:01:41
  Nick Massey: properties,
• 1:01:42
  Nick Massey: or,
• 1:01:42
  Nick Massey: or
• 1:01:42
  Nick Massey: just
• 1:01:42
  Nick Massey: a,
• 1:01:43
  Nick Massey: uh,
• 1:01:43
  Nick Massey: a
• 1:01:43
  Nick Massey: solo
• 1:01:44
  Nick Massey: host
• 1:01:44
  Nick Massey: with
• 1:01:44
  Nick Massey: one
• 1:01:44
  Nick Massey: property
• 1:01:45
  Nick Massey: or
• 1:01:45
  Nick Massey: two
• 1:01:45
  Nick Massey: properties,
• 1:01:46
  Nick Massey: then
• 1:01:47
  Nick Massey: that
• 1:01:47
  Nick Massey: just
• 1:01:47
  Nick Massey: puts
• 1:01:48
  Nick Massey: them
• 1:01:48
  Nick Massey: in
• 1:01:48
  Nick Massey: a
• 1:01:48
  Nick Massey: better
• 1:01:48
  Nick Massey: risk
• 1:01:48
  Nick Massey: category.
• 1:01:49
  Nick Massey: So
• 1:01:49
  Nick Massey: we,
• 1:01:49
  Nick Massey: we
• 1:01:50
  Nick Massey: ran
• 1:01:50
  Nick Massey: data
• 1:01:50
  Nick Massey: for,
• 1:01:50
  Nick Massey: for
• 1:01:51
  Nick Massey: 24
• 1:01:51
  Nick Massey: months.
• 1:01:52
  Nick Massey: So
• 1:01:52
  Nick Massey: we
• 1:01:52
  Nick Massey: started
• 1:01:52
  Nick Massey: it
• 1:01:53
  Nick Massey: and
• 1:01:53
  Nick Massey: we
• 1:01:53
  Nick Massey: ran
• 1:01:53
  Nick Massey: data
• 1:01:53
  Nick Massey: and
• 1:01:54
  Nick Massey: we
• 1:01:54
  Nick Massey: gave
• 1:01:54
  Nick Massey: a
• 1:01:54
  Nick Massey: little
• 1:01:54
  Nick Massey: bit
• 1:01:54
  Nick Massey: of
• 1:01:54
  Nick Massey: a
• 1:01:54
  Nick Massey: credit,
• 1:01:55
  Nick Massey: uh,
• 1:01:56
  Nick Massey: discount
• 1:01:56
  Nick Massey: on
• 1:01:56
  Nick Massey: premium
• 1:01:57
  Nick Massey: because
• 1:01:57
  Nick Massey: we
• 1:01:57
  Nick Massey: wanted
• 1:01:57
  Nick Massey: people
• 1:01:57
  Nick Massey: to
• 1:01:58
  Nick Massey: really
• 1:01:58
  Nick Massey: get
• 1:01:58
  Nick Massey: immersed
• 1:01:59
  Nick Massey: in
• 1:01:59
  Nick Massey: it
• 1:01:59
  Nick Massey: and
• 1:01:59
  Nick Massey: start
• 1:01:59
  Nick Massey: doing
• 1:02:00
  Nick Massey: it.
• 1:02:00
  Nick Massey: Well,
• 1:02:00
  Nick Massey: then
• 1:02:00
  Nick Massey: there
• 1:02:01
  Nick Massey: was
• 1:02:01
  Nick Massey: enough
• 1:02:01
  Nick Massey: people
• 1:02:01
  Nick Massey: doing
• 1:02:02
  Nick Massey: it
• 1:02:02
  Nick Massey: that
• 1:02:02
  Nick Massey: we
• 1:02:02
  Nick Massey: ran
• 1:02:02
  Nick Massey: even
• 1:02:02
  Nick Massey: more
• 1:02:02
  Nick Massey: data.
• 1:02:04
  Nick Massey: Holy
• 1:02:04
  Nick Massey: cow,
• 1:02:05
  Nick Massey: these
• 1:02:05
  Nick Massey: property
• 1:02:05
  Nick Massey: owners
• 1:02:06
  Nick Massey: and
• 1:02:06
  Nick Massey: these
• 1:02:06
  Nick Massey: management
• 1:02:07
  Nick Massey: companies
• 1:02:08
  Nick Massey: have
• 1:02:08
  Nick Massey: way
• 1:02:08
  Nick Massey: less
• 1:02:09
  Nick Massey: claims
• 1:02:10
  Nick Massey: and
• 1:02:10
  Nick Massey: way
• 1:02:10
  Nick Massey: less
• 1:02:11
  Nick Massey: severity
• 1:02:11
  Nick Massey: of
• 1:02:11
  Nick Massey: claim.
• 1:02:12
  Nick Massey: It
• 1:02:12
  Nick Massey: doesn't
• 1:02:12
  Nick Massey: eliminate
• 1:02:13
  Nick Massey: you
• 1:02:13
  Nick Massey: from
• 1:02:13
  Nick Massey: having
• 1:02:14
  Nick Massey: a
• 1:02:14
  Nick Massey: claim,
• 1:02:14
  Nick Massey: but
• 1:02:14
  Nick Massey: it
• 1:02:14
  Nick Massey: makes
• 1:02:14
  Nick Massey: the
• 1:02:14
  Nick Massey: claim,
• 1:02:15
  Nick Massey: uh,
• 1:02:16
  Nick Massey: smaller,
• 1:02:16
  Nick Massey: right?
• 1:02:17
  Nick Massey: Uh,
• 1:02:18
  Nick Massey: so
• 1:02:18
  Nick Massey: that's
• 1:02:18
  Nick Massey: why
• 1:02:19
  Nick Massey: our,
• 1:02:19
  Nick Massey: our
• 1:02:19
  Nick Massey: partnership
• 1:02:20
  Nick Massey: with
• 1:02:20
  Nick Massey: Breezeway
• 1:02:20
  Nick Massey: has
• 1:02:20
  Nick Massey: transpired
• 1:02:21
  Nick Massey: into
• 1:02:21
  Nick Massey: the
• 1:02:21
  Nick Massey: largest
• 1:02:22
  Nick Massey: available
• 1:02:22
  Nick Massey: discount
• 1:02:23
  Nick Massey: that
• 1:02:23
  Nick Massey: we
• 1:02:23
  Nick Massey: have
• 1:02:23
  Nick Massey: on
• 1:02:23
  Nick Massey: our
• 1:02:23
  Nick Massey: program.
• 1:02:24
  Nick Massey: If,
• 1:02:25
  Nick Massey: if
• 1:02:25
  Nick Massey: you're
• 1:02:25
  Nick Massey: going
• 1:02:25
  Nick Massey: out
• 1:02:26
  Nick Massey: and
• 1:02:26
  Nick Massey: doing
• 1:02:26
  Nick Massey: these
• 1:02:26
  Nick Massey: safety
• 1:02:27
  Nick Massey: inspections,
• 1:02:27
  Nick Massey: again,
• 1:02:28
  Nick Massey: providing
• 1:02:28
  Nick Massey: us
• 1:02:28
  Nick Massey: a
• 1:02:28
  Nick Massey: better
• 1:02:29
  Nick Massey: platform
• 1:02:29
  Nick Massey: of
• 1:02:29
  Nick Massey: defensibility.
• 1:02:31
  Nick Massey: Then
• 1:02:31
  Nick Massey: we're
• 1:02:31
  Nick Massey: going
• 1:02:32
  Nick Massey: to
• 1:02:32
  Nick Massey: give
• 1:02:32
  Nick Massey: you
• 1:02:32
  Nick Massey: the
• 1:02:33
  Nick Massey: biggest
• 1:02:33
  Nick Massey: credit
• 1:02:33
  Nick Massey: we
• 1:02:33
  Nick Massey: can
• 1:02:33
  Nick Massey: offer
• 1:02:34
  Nick Massey: through
• 1:02:34
  Nick Massey: our
• 1:02:34
  Nick Massey: carrier,
• 1:02:34
  Nick Massey: which
• 1:02:35
  Nick Massey: is
• 1:02:35
  Nick Massey: up
• 1:02:35
  Nick Massey: to
• 1:02:35
  Nick Massey: 10
• 1:02:35
  Nick Massey: percent
• 1:02:36
  Nick Massey: off
• 1:02:36
  Nick Massey: your
• 1:02:36
  Nick Massey: total
• 1:02:36
  Nick Massey: premiums.
• 1:02:37
  Nick Massey: There's
• 1:02:37
  Nick Massey: no
• 1:02:38
  Nick Massey: other
• 1:02:38
  Nick Massey: partner
• 1:02:38
  Nick Massey: that
• 1:02:38
  Nick Massey: we
• 1:02:38
  Nick Massey: have.
• 1:02:39
  Nick Massey: There's
• 1:02:39
  Nick Massey: no
• 1:02:39
  Nick Massey: other,
• 1:02:40
  Nick Massey: uh,
• 1:02:40
  Nick Massey: software
• 1:02:41
  Nick Massey: that
• 1:02:41
  Nick Massey: you
• 1:02:41
  Nick Massey: can
• 1:02:41
  Nick Massey: implement.
• 1:02:42
  Nick Massey: There's
• 1:02:42
  Nick Massey: no
• 1:02:42
  Nick Massey: other,
• 1:02:42
  Nick Massey: anything
• 1:02:43
  Nick Massey: else
• 1:02:43
  Nick Massey: that
• 1:02:43
  Nick Massey: you
• 1:02:43
  Nick Massey: can
• 1:02:43
  Nick Massey: do
• 1:02:45
  Nick Massey: other
• 1:02:45
  Nick Massey: than
• 1:02:45
  Nick Massey: in
• 1:02:45
  Nick Massey: paying
• 1:02:46
  Nick Massey: a
• 1:02:46
  Nick Massey: big,
• 1:02:46
  Nick Massey: big
• 1:02:46
  Nick Massey: money
• 1:02:46
  Nick Massey: to
• 1:02:46
  Nick Massey: install
• 1:02:47
  Nick Massey: fire
• 1:02:47
  Nick Massey: suppression
• 1:02:47
  Nick Massey: system
• 1:02:48
  Nick Massey: to
• 1:02:48
  Nick Massey: get
• 1:02:48
  Nick Massey: that
• 1:02:49
  Nick Massey: level
• 1:02:49
  Nick Massey: of
• 1:02:49
  Nick Massey: discount.
• 1:02:50
  Nick Massey: Right?
• 1:02:50
  Nick Massey: So,
• 1:02:51
  Nick Massey: um,
• 1:02:52
  Nick Massey: we
• 1:02:52
  Nick Massey: love
• 1:02:53
  Nick Massey: Justin.
• 1:02:53
  Nick Massey: We
• 1:02:53
  Nick Massey: love
• 1:02:54
  Nick Massey: Breezeway.
• 1:02:54
  Nick Massey: We
• 1:02:55
  Nick Massey: love
• 1:02:55
  Nick Massey: everything
• 1:02:55
  Nick Massey: that
• 1:02:55
  Nick Massey: they're
• 1:02:55
  Nick Massey: doing.
• 1:02:56
  Nick Massey: Uh,
• 1:02:56
  Nick Massey: Justin
• 1:02:57
  Nick Massey: and
• 1:02:57
  Nick Massey: I
• 1:02:57
  Nick Massey: work
• 1:02:57
  Nick Massey: together.
• 1:02:58
  Nick Massey: We.
• 1:02:58
  Nick Massey: We
• 1:02:58
  Nick Massey: sit
• 1:02:59
  Nick Massey: on
• 1:02:59
  Nick Massey: boards
• 1:03:00
  Nick Massey: of
• 1:03:00
  Nick Massey: associations
• 1:03:00
  Nick Massey: together
• 1:03:01
  Nick Massey: when
• 1:03:01
  Nick Massey: it
• 1:03:01
  Nick Massey: comes
• 1:03:01
  Nick Massey: to
• 1:03:01
  Nick Massey: education
• 1:03:02
  Nick Massey: and,
• 1:03:02
  Nick Massey: and
• 1:03:03
  Nick Massey: risk
• 1:03:03
  Nick Massey: management
• 1:03:03
  Nick Massey: stuff.
• 1:03:04
  Nick Massey: Uh,
• 1:03:04
  Nick Massey: we
• 1:03:04
  Nick Massey: are
• 1:03:04
  Nick Massey: very
• 1:03:05
  Nick Massey: in
• 1:03:05
  Nick Massey: tune
• 1:03:05
  Nick Massey: with
• 1:03:05
  Nick Massey: each
• 1:03:06
  Nick Massey: other.
• 1:03:06
  Nick Massey: We're
• 1:03:06
  Nick Massey: very
• 1:03:06
  Nick Massey: in
• 1:03:07
  Nick Massey: line.
• 1:03:07
  Nick Massey: Uh,
• 1:03:08
  Nick Massey: and
• 1:03:08
  Nick Massey: so
• 1:03:08
  Nick Massey: if
• 1:03:08
  Nick Massey: you're
• 1:03:09
  Nick Massey: utilizing
• 1:03:10
  Nick Massey: Proper
• 1:03:10
  Nick Massey: and
• 1:03:11
  Nick Massey: or
• 1:03:11
  Nick Massey: utilizing,
• 1:03:12
  Nick Massey: uh,
• 1:03:12
  Nick Massey: Breezeway,
• 1:03:13
  Nick Massey: having
• 1:03:13
  Nick Massey: the
• 1:03:13
  Nick Massey: two
• 1:03:13
  Nick Massey: connected
• 1:03:14
  Nick Massey: to,
• 1:03:14
  Nick Massey: to
• 1:03:14
  Nick Massey: each
• 1:03:15
  Nick Massey: other
• 1:03:15
  Nick Massey: is
• 1:03:15
  Nick Massey: just,
• 1:03:16
  Nick Massey: I
• 1:03:16
  Nick Massey: don't
• 1:03:16
  Nick Massey: think
• 1:03:16
  Nick Massey: you
• 1:03:17
  Nick Massey: can
• 1:03:17
  Nick Massey: have
• 1:03:17
  Nick Massey: a
• 1:03:17
  Nick Massey: stronger
• 1:03:18
  Nick Massey: plan
• 1:03:18
  Nick Massey: of
• 1:03:19
  Nick Massey: risk
• 1:03:19
  Nick Massey: management
• 1:03:19
  Nick Massey: than
• 1:03:19
  Nick Massey: utilizing
• 1:03:20
  Nick Massey: those
• 1:03:21
  Nick Massey: two
• 1:03:21
  Nick Massey: brands
• 1:03:21
  Nick Massey: together,
• 1:03:22
  Nick Massey: uh,
• 1:03:22
  Nick Massey: to
• 1:03:22
  Nick Massey: operate
• 1:03:23
  Nick Massey: your
• 1:03:23
  Nick Massey: business.
• 1:03:24
  Sarah Karakaian: Amazing.
• 1:03:25
  Sarah Karakaian: Nick,
• 1:03:26
  Sarah Karakaian: anything
• 1:03:26
  Sarah Karakaian: we
• 1:03:26
  Sarah Karakaian: didn't
• 1:03:27
  Sarah Karakaian: touch
• 1:03:27
  Sarah Karakaian: on
• 1:03:27
  Sarah Karakaian: that
• 1:03:27
  Sarah Karakaian: you
• 1:03:27
  Sarah Karakaian: want
• 1:03:27
  Sarah Karakaian: to
• 1:03:27
  Sarah Karakaian: make
• 1:03:28
  Sarah Karakaian: sure
• 1:03:28
  Sarah Karakaian: our
• 1:03:28
  Sarah Karakaian: listeners
• 1:03:29
  Sarah Karakaian: know
• 1:03:30
  Sarah Karakaian: about
• 1:03:30
  Sarah Karakaian: risk
• 1:03:30
  Sarah Karakaian: management
• 1:03:31
  Sarah Karakaian: and
• 1:03:31
  Sarah Karakaian: proper
• 1:03:31
  Sarah Karakaian: insurance
• 1:03:32
  Sarah Karakaian: other
• 1:03:32
  Sarah Karakaian: than
• 1:03:32
  Sarah Karakaian: I
• 1:03:32
  Sarah Karakaian: want
• 1:03:32
  Sarah Karakaian: to
• 1:03:32
  Sarah Karakaian: reiterate
• 1:03:33
  Sarah Karakaian: really
• 1:03:34
  Sarah Karakaian: take
• 1:03:34
  Sarah Karakaian: them
• 1:03:34
  Sarah Karakaian: up
• 1:03:34
  Sarah Karakaian: on
• 1:03:34
  Sarah Karakaian: the
• 1:03:34
  Sarah Karakaian: offer
• 1:03:35
  Sarah Karakaian: to
• 1:03:35
  Sarah Karakaian: we
• 1:03:35
  Sarah Karakaian: have
• 1:03:35
  Sarah Karakaian: a
• 1:03:35
  Sarah Karakaian: link
• 1:03:35
  Sarah Karakaian: at
• 1:03:35
  Sarah Karakaian: our
• 1:03:36
  Sarah Karakaian: show
• 1:03:36
  Sarah Karakaian: notes,
• 1:03:37
  Sarah Karakaian: have
• 1:03:37
  Sarah Karakaian: them
• 1:03:37
  Sarah Karakaian: review
• 1:03:38
  Sarah Karakaian: your
• 1:03:38
  Sarah Karakaian: current
• 1:03:38
  Sarah Karakaian: policy,
• 1:03:39
  Sarah Karakaian: uh,
• 1:03:40
  Sarah Karakaian: like
• 1:03:40
  Sarah Karakaian: Nick
• 1:03:40
  Sarah Karakaian: said,
• 1:03:40
  Sarah Karakaian: Of
• 1:03:41
  Sarah Karakaian: course,
• 1:03:41
  Sarah Karakaian: they
• 1:03:41
  Sarah Karakaian: want
• 1:03:41
  Sarah Karakaian: you
• 1:03:41
  Sarah Karakaian: to
• 1:03:42
  Sarah Karakaian: be
• 1:03:42
  Sarah Karakaian: with
• 1:03:42
  Sarah Karakaian: proper,
• 1:03:42
  Sarah Karakaian: but
• 1:03:43
  Sarah Karakaian: they
• 1:03:43
  Sarah Karakaian: will,
• 1:03:44
  Sarah Karakaian: uh,
• 1:03:44
  Sarah Karakaian: at
• 1:03:44
  Sarah Karakaian: least
• 1:03:45
  Sarah Karakaian: expose
• 1:03:45
  Sarah Karakaian: you
• 1:03:45
  Sarah Karakaian: to
• 1:03:46
  Sarah Karakaian: what
• 1:03:46
  Sarah Karakaian: kind
• 1:03:46
  Sarah Karakaian: of
• 1:03:46
  Sarah Karakaian: gaps
• 1:03:46
  Sarah Karakaian: you
• 1:03:46
  Sarah Karakaian: may
• 1:03:47
  Sarah Karakaian: or
• 1:03:47
  Sarah Karakaian: may
• 1:03:47
  Sarah Karakaian: not
• 1:03:47
  Sarah Karakaian: have
• 1:03:47
  Sarah Karakaian: and
• 1:03:48
  Sarah Karakaian: be
• 1:03:48
  Sarah Karakaian: honest
• 1:03:48
  Sarah Karakaian: and
• 1:03:48
  Sarah Karakaian: transparent
• 1:03:49
  Sarah Karakaian: in
• 1:03:49
  Sarah Karakaian: that.
• 1:03:49
  Sarah Karakaian: But
• 1:03:49
  Sarah Karakaian: Nick,
• 1:03:49
  Sarah Karakaian: anything
• 1:03:50
  Sarah Karakaian: else
• 1:03:50
  Sarah Karakaian: that
• 1:03:50
  Sarah Karakaian: you
• 1:03:50
  Sarah Karakaian: can
• 1:03:50
  Sarah Karakaian: shed
• 1:03:51
  Sarah Karakaian: light
• 1:03:51
  Sarah Karakaian: on?
• 1:03:52
  Nick Massey: Yeah,
• 1:03:52
  Nick Massey: I
• 1:03:52
  Nick Massey: mean,
• 1:03:53
  Nick Massey: I
• 1:03:53
  Nick Massey: could
• 1:03:53
  Nick Massey: sit
• 1:03:53
  Nick Massey: here
• 1:03:53
  Nick Massey: and
• 1:03:53
  Nick Massey: talk
• 1:03:53
  Nick Massey: for
• 1:03:54
  Nick Massey: hours
• 1:03:54
  Nick Massey: and
• 1:03:54
  Nick Massey: hours
• 1:03:54
  Nick Massey: about
• 1:03:55
  Nick Massey: this.
• 1:03:55
  Nick Massey: Um,
• 1:03:58
  Nick Massey: I
• 1:03:58
  Nick Massey: think
• 1:03:59
  Nick Massey: a
• 1:03:59
  Nick Massey: little
• 1:03:59
  Nick Massey: bit
• 1:03:59
  Nick Massey: of
• 1:03:59
  Nick Massey: homework
• 1:03:59
  Nick Massey: for
• 1:04:00
  Nick Massey: everybody
• 1:04:00
  Nick Massey: is
• 1:04:01
  Nick Massey: to
• 1:04:01
  Nick Massey: do
• 1:04:01
  Nick Massey: a
• 1:04:01
  Nick Massey: little
• 1:04:01
  Nick Massey: research
• 1:04:02
  Nick Massey: on
• 1:04:02
  Nick Massey: a
• 1:04:02
  Nick Massey: term
• 1:04:02
  Nick Massey: called
• 1:04:02
  Nick Massey: vicarious
• 1:04:03
  Nick Massey: liability.
• 1:04:05
  Nick Massey: So,
• 1:04:06
  Nick Massey: um,
• 1:04:07
  Nick Massey: Liability
• 1:04:08
  Nick Massey: is
• 1:04:08
  Nick Massey: hands
• 1:04:08
  Nick Massey: down
• 1:04:08
  Nick Massey: the
• 1:04:08
  Nick Massey: number
• 1:04:08
  Nick Massey: one
• 1:04:09
  Nick Massey: exposure
• 1:04:09
  Nick Massey: that
• 1:04:09
  Nick Massey: we
• 1:04:09
  Nick Massey: have.
• 1:04:09
  Nick Massey: A
• 1:04:10
  Nick Massey: lot
• 1:04:10
  Nick Massey: of
• 1:04:10
  Nick Massey: people
• 1:04:10
  Nick Massey: think
• 1:04:10
  Nick Massey: it's
• 1:04:10
  Nick Massey: gets
• 1:04:10
  Nick Massey: caused
• 1:04:11
  Nick Massey: damage
• 1:04:11
  Nick Massey: or
• 1:04:11
  Nick Massey: maybe
• 1:04:11
  Nick Massey: it's
• 1:04:11
  Nick Massey: bed
• 1:04:12
  Nick Massey: bugs.
• 1:04:12
  Nick Massey: Uh,
• 1:04:13
  Nick Massey: but
• 1:04:13
  Nick Massey: really
• 1:04:13
  Nick Massey: it's
• 1:04:13
  Nick Massey: liability.
• 1:04:14
  Nick Massey: You're
• 1:04:14
  Nick Massey: the
• 1:04:14
  Nick Massey: one
• 1:04:14
  Nick Massey: that
• 1:04:14
  Nick Massey: owns
• 1:04:15
  Nick Massey: a
• 1:04:15
  Nick Massey: second
• 1:04:15
  Nick Massey: home.
• 1:04:16
  Nick Massey: Or
• 1:04:16
  Nick Massey: is
• 1:04:16
  Nick Massey: managing
• 1:04:17
  Nick Massey: a
• 1:04:17
  Nick Massey: home
• 1:04:17
  Nick Massey: that
• 1:04:17
  Nick Massey: is
• 1:04:18
  Nick Massey: generating
• 1:04:18
  Nick Massey: revenue,
• 1:04:19
  Nick Massey: so
• 1:04:19
  Nick Massey: you're
• 1:04:19
  Nick Massey: by
• 1:04:19
  Nick Massey: default
• 1:04:20
  Nick Massey: the
• 1:04:20
  Nick Massey: one
• 1:04:20
  Nick Massey: with
• 1:04:20
  Nick Massey: money,
• 1:04:21
  Nick Massey: so
• 1:04:21
  Nick Massey: you're
• 1:04:21
  Nick Massey: going
• 1:04:21
  Nick Massey: to
• 1:04:21
  Nick Massey: get
• 1:04:21
  Nick Massey: sued.
• 1:04:22
  Nick Massey: So,
• 1:04:23
  Nick Massey: you
• 1:04:23
  Nick Massey: have
• 1:04:23
  Nick Massey: two
• 1:04:24
  Nick Massey: different
• 1:04:24
  Nick Massey: types
• 1:04:24
  Nick Massey: of
• 1:04:24
  Nick Massey: liability
• 1:04:25
  Nick Massey: in
• 1:04:25
  Nick Massey: the
• 1:04:25
  Nick Massey: legal,
• 1:04:25
  Nick Massey: in
• 1:04:25
  Nick Massey: the
• 1:04:26
  Nick Massey: legal
• 1:04:26
  Nick Massey: realm.
• 1:04:26
  Nick Massey: You
• 1:04:26
  Nick Massey: have
• 1:04:26
  Nick Massey: direct
• 1:04:26
  Nick Massey: liability,
• 1:04:27
  Nick Massey: which
• 1:04:27
  Nick Massey: I'm
• 1:04:27
  Nick Massey: directly
• 1:04:28
  Nick Massey: responsible
• 1:04:29
  Nick Massey: for
• 1:04:29
  Nick Massey: for
• 1:04:29
  Nick Massey: my
• 1:04:29
  Nick Massey: negligence
• 1:04:30
  Nick Massey: because
• 1:04:30
  Nick Massey: I
• 1:04:30
  Nick Massey: created
• 1:04:31
  Nick Massey: the
• 1:04:31
  Nick Massey: situation.
• 1:04:32
  Nick Massey: Or
• 1:04:32
  Nick Massey: you
• 1:04:32
  Nick Massey: have
• 1:04:33
  Nick Massey: vicarious
• 1:04:34
  Nick Massey: liability,
• 1:04:34
  Nick Massey: where
• 1:04:34
  Nick Massey: I
• 1:04:35
  Nick Massey: may
• 1:04:35
  Nick Massey: have
• 1:04:35
  Nick Massey: unintentionally
• 1:04:37
  Nick Massey: Led
• 1:04:37
  Nick Massey: or
• 1:04:37
  Nick Massey: misled
• 1:04:38
  Nick Massey: somebody
• 1:04:38
  Nick Massey: into
• 1:04:38
  Nick Massey: something
• 1:04:39
  Nick Massey: that
• 1:04:39
  Nick Massey: created,
• 1:04:40
  Nick Massey: um,
• 1:04:40
  Nick Massey: a
• 1:04:40
  Nick Massey: lawsuit.
• 1:04:41
  Nick Massey: And
• 1:04:42
  Nick Massey: so
• 1:04:42
  Nick Massey: this
• 1:04:42
  Nick Massey: is
• 1:04:42
  Nick Massey: where
• 1:04:42
  Nick Massey: the
• 1:04:42
  Nick Massey: importance
• 1:04:43
  Nick Massey: of
• 1:04:43
  Nick Massey: the
• 1:04:43
  Nick Massey: commercial
• 1:04:44
  Nick Massey: product
• 1:04:44
  Nick Massey: that
• 1:04:44
  Nick Massey: extends
• 1:04:45
  Nick Massey: off
• 1:04:45
  Nick Massey: premises
• 1:04:45
  Nick Massey: is
• 1:04:45
  Nick Massey: so
• 1:04:46
  Nick Massey: important
• 1:04:46
  Nick Massey: because
• 1:04:46
  Nick Massey: we
• 1:04:47
  Nick Massey: are
• 1:04:47
  Nick Massey: constantly
• 1:04:47
  Nick Massey: posting
• 1:04:48
  Nick Massey: photos
• 1:04:48
  Nick Massey: and
• 1:04:48
  Nick Massey: advertising
• 1:04:49
  Nick Massey: attractions
• 1:04:50
  Nick Massey: around
• 1:04:51
  Nick Massey: our
• 1:04:51
  Nick Massey: property
• 1:04:51
  Nick Massey: and
• 1:04:51
  Nick Massey: things
• 1:04:52
  Nick Massey: to
• 1:04:52
  Nick Massey: go
• 1:04:52
  Nick Massey: do.
• 1:04:53
  Nick Massey: I
• 1:04:53
  Nick Massey: can
• 1:04:53
  Nick Massey: now
• 1:04:54
  Nick Massey: be
• 1:04:54
  Nick Massey: held
• 1:04:54
  Nick Massey: vicariously
• 1:04:55
  Nick Massey: liable
• 1:04:56
  Nick Massey: for
• 1:04:57
  Nick Massey: an
• 1:04:57
  Nick Massey: injury
• 1:04:58
  Nick Massey: because
• 1:04:58
  Nick Massey: I
• 1:04:58
  Nick Massey: am
• 1:04:58
  Nick Massey: marketing
• 1:04:59
  Nick Massey: that.
• 1:04:59
  Annette Grant: Ah,
• 1:05:01
  Annette Grant: holy
• 1:05:01
  Annette Grant: smokes.
• 1:05:01
  Annette Grant: So
• 1:05:01
  Annette Grant: go
• 1:05:01
  Annette Grant: and
• 1:05:01
  Nick Massey: do
• 1:05:02
  Nick Massey: a
• 1:05:02
  Nick Massey: little,
• 1:05:02
  Nick Massey: go
• 1:05:02
  Nick Massey: do
• 1:05:03
  Nick Massey: a
• 1:05:03
  Nick Massey: little
• 1:05:03
  Nick Massey: research
• 1:05:03
  Nick Massey: on
• 1:05:03
  Nick Massey: vicarious
• 1:05:04
  Nick Massey: liability.
• 1:05:05
  Nick Massey: It
• 1:05:05
  Nick Massey: is
• 1:05:05
  Nick Massey: not.
• 1:05:07
  Nick Massey: It
• 1:05:07
  Nick Massey: is
• 1:05:07
  Nick Massey: not,
• 1:05:08
  Nick Massey: uh,
• 1:05:09
  Nick Massey: an
• 1:05:09
  Nick Massey: across
• 1:05:09
  Nick Massey: the
• 1:05:09
  Nick Massey: board
• 1:05:10
  Nick Massey: in
• 1:05:10
  Nick Massey: every
• 1:05:10
  Nick Massey: state
• 1:05:11
  Nick Massey: type
• 1:05:11
  Nick Massey: of
• 1:05:11
  Nick Massey: case
• 1:05:12
  Nick Massey: law
• 1:05:12
  Nick Massey: precedent
• 1:05:13
  Nick Massey: where
• 1:05:13
  Nick Massey: you
• 1:05:13
  Nick Massey: can
• 1:05:13
  Nick Massey: be
• 1:05:13
  Nick Massey: held
• 1:05:14
  Nick Massey: liable
• 1:05:14
  Nick Massey: for
• 1:05:14
  Nick Massey: that.
• 1:05:15
  Nick Massey: However,
• 1:05:16
  Nick Massey: most
• 1:05:16
  Nick Massey: states
• 1:05:17
  Nick Massey: are.
• 1:05:18
  Nick Massey: So
• 1:05:18
  Nick Massey: do
• 1:05:18
  Nick Massey: a
• 1:05:18
  Nick Massey: little
• 1:05:18
  Nick Massey: research,
• 1:05:19
  Nick Massey: um,
• 1:05:20
  Nick Massey: understand
• 1:05:20
  Nick Massey: that
• 1:05:20
  Nick Massey: term.
• 1:05:21
  Nick Massey: Because
• 1:05:21
  Nick Massey: for
• 1:05:22
  Nick Massey: me,
• 1:05:23
  Nick Massey: that's
• 1:05:23
  Nick Massey: the
• 1:05:23
  Nick Massey: scariest
• 1:05:24
  Nick Massey: thing
• 1:05:24
  Nick Massey: in
• 1:05:25
  Nick Massey: the
• 1:05:25
  Nick Massey: society
• 1:05:25
  Nick Massey: that
• 1:05:25
  Nick Massey: we
• 1:05:25
  Nick Massey: live
• 1:05:26
  Nick Massey: in
• 1:05:26
  Nick Massey: is
• 1:05:26
  Nick Massey: that
• 1:05:26
  Nick Massey: virtually
• 1:05:27
  Nick Massey: Anybody
• 1:05:28
  Nick Massey: can
• 1:05:28
  Nick Massey: sue
• 1:05:28
  Nick Massey: you
• 1:05:28
  Nick Massey: for
• 1:05:28
  Nick Massey: anything.
• 1:05:29
  Nick Massey: And
• 1:05:30
  Nick Massey: so
• 1:05:30
  Nick Massey: that's
• 1:05:31
  Nick Massey: why
• 1:05:31
  Nick Massey: having
• 1:05:31
  Nick Massey: a
• 1:05:31
  Nick Massey: very
• 1:05:32
  Nick Massey: strong
• 1:05:32
  Nick Massey: insurance
• 1:05:33
  Nick Massey: policy,
• 1:05:33
  Nick Massey: specifically
• 1:05:34
  Nick Massey: a
• 1:05:34
  Nick Massey: very
• 1:05:34
  Nick Massey: strong
• 1:05:34
  Nick Massey: liability
• 1:05:35
  Nick Massey: protection
• 1:05:35
  Nick Massey: is
• 1:05:36
  Nick Massey: so
• 1:05:36
  Nick Massey: important
• 1:05:37
  Nick Massey: because
• 1:05:37
  Nick Massey: it's
• 1:05:37
  Nick Massey: not
• 1:05:37
  Nick Massey: just,
• 1:05:38
  Nick Massey: well,
• 1:05:38
  Nick Massey: I
• 1:05:38
  Nick Massey: have
• 1:05:39
  Nick Massey: a
• 1:05:39
  Nick Massey: handrail,
• 1:05:39
  Nick Massey: so
• 1:05:39
  Nick Massey: if
• 1:05:39
  Nick Massey: they
• 1:05:39
  Nick Massey: fall
• 1:05:40
  Nick Massey: down
• 1:05:40
  Nick Massey: the
• 1:05:40
  Nick Massey: stairs,
• 1:05:40
  Nick Massey: I'm
• 1:05:40
  Nick Massey: okay.
• 1:05:41
  Nick Massey: Or
• 1:05:41
  Nick Massey: I
• 1:05:41
  Nick Massey: have
• 1:05:41
  Nick Massey: death
• 1:05:41
  Nick Massey: markers
• 1:05:42
  Nick Massey: on
• 1:05:42
  Nick Massey: my
• 1:05:42
  Nick Massey: pool.
• 1:05:42
  Nick Massey: So
• 1:05:42
  Nick Massey: we
• 1:05:42
  Nick Massey: have
• 1:05:43
  Nick Massey: this,
• 1:05:43
  Nick Massey: it's
• 1:05:43
  Nick Massey: like,
• 1:05:44
  Nick Massey: no,
• 1:05:44
  Nick Massey: what
• 1:05:44
  Nick Massey: about
• 1:05:44
  Nick Massey: all
• 1:05:44
  Nick Massey: these
• 1:05:44
  Nick Massey: other
• 1:05:45
  Nick Massey: crazy
• 1:05:46
  Nick Massey: unsung
• 1:05:46
  Nick Massey: things
• 1:05:46
  Nick Massey: that
• 1:05:46
  Nick Massey: could
• 1:05:47
  Nick Massey: possibly
• 1:05:47
  Nick Massey: happen?
• 1:05:47
  Nick Massey: So
• 1:05:48
  Nick Massey: a
• 1:05:48
  Nick Massey: little
• 1:05:48
  Nick Massey: homework
• 1:05:49
  Nick Massey: to
• 1:05:49
  Nick Massey: kind
• 1:05:49
  Nick Massey: of
• 1:05:49
  Nick Massey: lead
• 1:05:49
  Nick Massey: the
• 1:05:49
  Nick Massey: listener
• 1:05:50
  Nick Massey: for
• 1:05:50
  Nick Massey: doing
• 1:05:50
  Nick Massey: a
• 1:05:50
  Nick Massey: little
• 1:05:50
  Nick Massey: research
• 1:05:51
  Nick Massey: on,
• 1:05:51
  Nick Massey: on
• 1:05:51
  Nick Massey: that
• 1:05:51
  Nick Massey: fun
• 1:05:52
  Nick Massey: term.
• 1:05:53
  Sarah Karakaian: Well,
• 1:05:53
  Sarah Karakaian: I
• 1:05:53
  Sarah Karakaian: did.
• 1:05:53
  Sarah Karakaian: Write
• 1:05:54
  Sarah Karakaian: it
• 1:05:54
  Sarah Karakaian: down.
• 1:05:54
  Sarah Karakaian: How
• 1:05:54
  Sarah Karakaian: nice
• 1:05:54
  Sarah Karakaian: of
• 1:05:55
  Sarah Karakaian: you,
• 1:05:55
  Sarah Karakaian: Nick.
• 1:05:56
  Nick Massey: Sorry.
• 1:05:56
  Nick Massey: Before.
• 1:05:57
  Nick Massey: Sorry.
• 1:05:57
  Nick Massey: No,
• 1:05:58
  Nick Massey: it's
• 1:05:58
  Nick Massey: okay.
• 1:05:58
  Nick Massey: I'm
• 1:05:58
  Nick Massey: usually
• 1:05:58
  Nick Massey: a
• 1:05:58
  Nick Massey: lot
• 1:05:58
  Nick Massey: more
• 1:05:58
  Nick Massey: happy
• 1:05:59
  Nick Massey: now.
• 1:05:59
  Nick Massey: No,
• 1:05:59
  Nick Massey: it's
• 1:06:00
  Nick Massey: great.
• 1:06:00
  Annette Grant: We
• 1:06:01
  Annette Grant: need
• 1:06:01
  Annette Grant: this
• 1:06:01
  Annette Grant: dose.
• 1:06:01
  Annette Grant: And
• 1:06:02
  Annette Grant: I
• 1:06:02
  Annette Grant: do
• 1:06:02
  Annette Grant: want
• 1:06:02
  Annette Grant: to
• 1:06:02
  Annette Grant: share
• 1:06:02
  Annette Grant: with
• 1:06:02
  Annette Grant: all
• 1:06:03
  Annette Grant: the
• 1:06:03
  Annette Grant: listeners,
• 1:06:04
  Annette Grant: please,
• 1:06:04
  Annette Grant: um,
• 1:06:05
  Annette Grant: understand
• 1:06:06
  Annette Grant: before
• 1:06:06
  Annette Grant: you
• 1:06:06
  Annette Grant: purchase
• 1:06:06
  Annette Grant: a
• 1:06:06
  Annette Grant: property,
• 1:06:07
  Annette Grant: even
• 1:06:07
  Annette Grant: your
• 1:06:08
  Annette Grant: current
• 1:06:08
  Annette Grant: property
• 1:06:08
  Annette Grant: that
• 1:06:09
  Annette Grant: you're
• 1:06:09
  Annette Grant: in,
• 1:06:09
  Annette Grant: it
• 1:06:09
  Annette Grant: doesn't
• 1:06:10
  Annette Grant: mean
• 1:06:10
  Annette Grant: every
• 1:06:10
  Annette Grant: insurance
• 1:06:11
  Annette Grant: company,
• 1:06:11
  Annette Grant: including
• 1:06:12
  Annette Grant: Proper,
• 1:06:12
  Annette Grant: has
• 1:06:12
  Annette Grant: to
• 1:06:12
  Annette Grant: cover
• 1:06:12
  Annette Grant: you.
• 1:06:13
  Annette Grant: You
• 1:06:14
  Annette Grant: might
• 1:06:14
  Annette Grant: reach
• 1:06:14
  Annette Grant: out
• 1:06:14
  Annette Grant: and
• 1:06:14
  Annette Grant: they
• 1:06:15
  Annette Grant: might
• 1:06:15
  Annette Grant: not
• 1:06:15
  Annette Grant: cover
• 1:06:15
  Annette Grant: your
• 1:06:15
  Annette Grant: area
• 1:06:16
  Annette Grant: because
• 1:06:16
  Annette Grant: of
• 1:06:16
  Annette Grant: the
• 1:06:17
  Annette Grant: risk.
• 1:06:17
  Annette Grant: They
• 1:06:17
  Annette Grant: might
• 1:06:17
  Annette Grant: not
• 1:06:17
  Annette Grant: cover
• 1:06:18
  Annette Grant: your
• 1:06:18
  Annette Grant: home.
• 1:06:18
  Annette Grant: So
• 1:06:18
  Annette Grant: just
• 1:06:19
  Annette Grant: because
• 1:06:19
  Annette Grant: you
• 1:06:19
  Annette Grant: reach
• 1:06:19
  Annette Grant: out
• 1:06:20
  Annette Grant: to
• 1:06:20
  Annette Grant: any
• 1:06:20
  Annette Grant: commercial
• 1:06:20
  Annette Grant: policy
• 1:06:21
  Annette Grant: does
• 1:06:21
  Annette Grant: not
• 1:06:21
  Annette Grant: mean
• 1:06:21
  Annette Grant: they
• 1:06:22
  Annette Grant: have
• 1:06:22
  Annette Grant: to,
• 1:06:23
  Annette Grant: um,
• 1:06:23
  Annette Grant: insure
• 1:06:23
  Annette Grant: you.
• 1:06:24
  Annette Grant: But
• 1:06:25
  Annette Grant: you
• 1:06:25
  Annette Grant: do
• 1:06:25
  Annette Grant: have
• 1:06:26
  Annette Grant: to
• 1:06:26
  Annette Grant: do
• 1:06:26
  Annette Grant: your
• 1:06:26
  Annette Grant: homework.
• 1:06:27
  Annette Grant: Now,
• 1:06:28
  Annette Grant: before
• 1:06:28
  Annette Grant: you
• 1:06:28
  Annette Grant: purchase.
• 1:06:29
  Annette Grant: During
• 1:06:29
  Annette Grant: the
• 1:06:29
  Annette Grant: purchase
• 1:06:30
  Annette Grant: any
• 1:06:30
  Annette Grant: amenity
• 1:06:31
  Annette Grant: that
• 1:06:31
  Annette Grant: you
• 1:06:31
  Annette Grant: bring
• 1:06:31
  Annette Grant: in
• 1:06:32
  Annette Grant: so
• 1:06:32
  Annette Grant: you
• 1:06:32
  Annette Grant: are
• 1:06:33
  Annette Grant: the
• 1:06:33
  Annette Grant: CEO
• 1:06:33
  Annette Grant: of
• 1:06:34
  Annette Grant: your
• 1:06:34
  Annette Grant: business
• 1:06:34
  Annette Grant: So
• 1:06:34
  Annette Grant: it's
• 1:06:34
  Annette Grant: your
• 1:06:35
  Annette Grant: responsibility
• 1:06:35
  Annette Grant: go
• 1:06:35
  Annette Grant: out.
• 1:06:36
  Annette Grant: Make
• 1:06:36
  Annette Grant: sure
• 1:06:36
  Annette Grant: you're
• 1:06:36
  Annette Grant: covered
• 1:06:37
  Annette Grant: Nick.
• 1:06:37
  Annette Grant: This
• 1:06:37
  Annette Grant: has
• 1:06:37
  Annette Grant: been
• 1:06:38
  Annette Grant: such
• 1:06:38
  Annette Grant: an
• 1:06:39
  Annette Grant: eye
• 1:06:39
  Annette Grant: opener
• 1:06:40
  Annette Grant: And
• 1:06:40
  Annette Grant: learning
• 1:06:41
  Annette Grant: for
• 1:06:41
  Annette Grant: us
• 1:06:41
  Annette Grant: and
• 1:06:41
  Annette Grant: we'll
• 1:06:41
  Annette Grant: make
• 1:06:41
  Annette Grant: sure
• 1:06:41
  Annette Grant: to
• 1:06:42
  Annette Grant: put
• 1:06:42
  Annette Grant: all
• 1:06:42
  Annette Grant: the
• 1:06:42
  Annette Grant: links
• 1:06:43
  Annette Grant: in
• 1:06:43
  Annette Grant: the
• 1:06:43
  Annette Grant: show
• 1:06:43
  Annette Grant: notes
• 1:06:44
  Annette Grant: reach
• 1:06:44
  Annette Grant: out
• 1:06:45
  Annette Grant: to
• 1:06:45
  Annette Grant: proper
• 1:06:47
  Annette Grant: See
• 1:06:47
  Annette Grant: if
• 1:06:47
  Annette Grant: you
• 1:06:47
  Annette Grant: can
• 1:06:48
  Annette Grant: do
• 1:06:48
  Annette Grant: that
• 1:06:48
  Annette Grant: side
• 1:06:49
  Annette Grant: by
• 1:06:49
  Annette Grant: side
• 1:06:49
  Annette Grant: comparison
• 1:06:50
  Annette Grant: again
• 1:06:50
  Annette Grant: co
• 1:06:50
  Annette Grant: host
• 1:06:51
  Annette Grant: owners,
• 1:06:52
  Annette Grant: everyone
• 1:06:52
  Annette Grant: make,
• 1:06:52
  Annette Grant: this
• 1:06:53
  Annette Grant: is
• 1:06:53
  Annette Grant: a
• 1:06:53
  Annette Grant: time
• 1:06:53
  Annette Grant: of
• 1:06:53
  Annette Grant: year.
• 1:06:53
  Annette Grant: We're
• 1:06:53
  Annette Grant: at
• 1:06:54
  Annette Grant: the
• 1:06:54
  Annette Grant: beginning
• 1:06:54
  Annette Grant: of
• 1:06:54
  Annette Grant: the
• 1:06:54
  Annette Grant: year.
• 1:06:55
  Annette Grant: This
• 1:06:55
  Annette Grant: is
• 1:06:55
  Annette Grant: the
• 1:06:55
  Annette Grant: time,
• 1:06:56
  Annette Grant: um,
• 1:06:57
  Annette Grant: to,
• 1:06:57
  Annette Grant: to
• 1:06:57
  Annette Grant: look
• 1:06:57
  Annette Grant: at
• 1:06:58
  Annette Grant: your,
• 1:06:58
  Annette Grant: look
• 1:06:58
  Annette Grant: at
• 1:06:58
  Annette Grant: your
• 1:06:58
  Annette Grant: policy.
• 1:06:59
  Annette Grant: Make
• 1:06:59
  Annette Grant: sure
• 1:06:59
  Annette Grant: you
• 1:06:59
  Annette Grant: make
• 1:06:59
  Annette Grant: sure
• 1:07:00
  Annette Grant: you're
• 1:07:00
  Annette Grant: covered,
• 1:07:00
  Annette Grant: but
• 1:07:00
  Annette Grant: Nick,
• 1:07:01
  Annette Grant: thanks
• 1:07:01
  Annette Grant: so
• 1:07:01
  Annette Grant: much.
• 1:07:02
  Nick Massey: It's
• 1:07:02
  Nick Massey: tax
• 1:07:02
  Nick Massey: deductible.
• 1:07:03
  Nick Massey: So.
• 1:07:04
  Nick Massey: Make,
• 1:07:05
  Nick Massey: you
• 1:07:05
  Nick Massey: know,
• 1:07:05
  Nick Massey: it's
• 1:07:05
  Nick Massey: part
• 1:07:05
  Nick Massey: of
• 1:07:05
  Nick Massey: operating
• 1:07:06
  Nick Massey: expense,
• 1:07:07
  Nick Massey: so
• 1:07:07
  Nick Massey: keep
• 1:07:08
  Nick Massey: that
• 1:07:08
  Nick Massey: in
• 1:07:08
  Nick Massey: mind
• 1:07:08
  Nick Massey: because,
• 1:07:09
  Nick Massey: yeah,
• 1:07:09
  Nick Massey: the
• 1:07:09
  Nick Massey: right
• 1:07:09
  Nick Massey: insurance
• 1:07:10
  Nick Massey: is
• 1:07:10
  Nick Massey: going
• 1:07:10
  Nick Massey: to
• 1:07:10
  Nick Massey: be
• 1:07:10
  Nick Massey: more
• 1:07:10
  Nick Massey: expensive
• 1:07:11
  Nick Massey: than
• 1:07:11
  Nick Massey: what
• 1:07:11
  Nick Massey: you're
• 1:07:11
  Nick Massey: used
• 1:07:11
  Nick Massey: to,
• 1:07:12
  Nick Massey: so,
• 1:07:13
  Nick Massey: um,
• 1:07:13
  Nick Massey: but
• 1:07:13
  Nick Massey: yeah,
• 1:07:13
  Nick Massey: we
• 1:07:13
  Nick Massey: look
• 1:07:13
  Nick Massey: forward
• 1:07:14
  Nick Massey: to
• 1:07:14
  Nick Massey: chatting
• 1:07:14
  Nick Massey: with
• 1:07:15
  Nick Massey: whoever
• 1:07:15
  Nick Massey: listens
• 1:07:16
  Nick Massey: to
• 1:07:16
  Nick Massey: this
• 1:07:16
  Nick Massey: and
• 1:07:16
  Nick Massey: comes
• 1:07:17
  Nick Massey: in
• 1:07:17
  Nick Massey: and
• 1:07:17
  Nick Massey: would
• 1:07:17
  Nick Massey: like
• 1:07:17
  Nick Massey: a
• 1:07:17
  Nick Massey: consultation
• 1:07:18
  Nick Massey: and
• 1:07:18
  Nick Massey: a
• 1:07:18
  Nick Massey: deep
• 1:07:19
  Nick Massey: dive
• 1:07:19
  Nick Massey: review
• 1:07:19
  Nick Massey: of
• 1:07:19
  Nick Massey: your
• 1:07:20
  Nick Massey: listing,
• 1:07:20
  Nick Massey: your
• 1:07:20
  Nick Massey: risk,
• 1:07:21
  Nick Massey: and
• 1:07:21
  Nick Massey: your
• 1:07:21
  Nick Massey: policy.
• 1:07:22
  Nick Massey: That's
• 1:07:22
  Nick Massey: what
• 1:07:22
  Nick Massey: we're
• 1:07:22
  Nick Massey: here
• 1:07:22
  Nick Massey: to
• 1:07:22
  Nick Massey: do.
• 1:07:23
  Sarah Karakaian: Nick,
• 1:07:24
  Sarah Karakaian: so
• 1:07:24
  Sarah Karakaian: much
• 1:07:24
  Sarah Karakaian: for
• 1:07:24
  Sarah Karakaian: your
• 1:07:25
  Sarah Karakaian: time
• 1:07:25
  Sarah Karakaian: today.
• 1:07:26
  Sarah Karakaian: Listeners
• 1:07:26
  Sarah Karakaian: with
• 1:07:26
  Sarah Karakaian: that,
• 1:07:27
  Sarah Karakaian: I
• 1:07:27
  Sarah Karakaian: am
• 1:07:27
  Sarah Karakaian: Sarah
• 1:07:28
  Sarah Karakaian: Karakaian.
• 1:07:28
  Sarah Karakaian: I'm
• 1:07:28
  Sarah Karakaian: Annette
• 1:07:29
  Sarah Karakaian: Grant,
• 1:07:29
  Sarah Karakaian: and
• 1:07:29
  Sarah Karakaian: together
• 1:07:29
  Sarah Karakaian: we
• 1:07:29
  Sarah Karakaian: are,
• 1:07:30
  Sarah Karakaian: Thanks
• 1:07:30
  Sarah Karakaian: for
• 1:07:30
  Sarah Karakaian: visiting.
• 1:07:31
  Sarah Karakaian: Talk
• 1:07:31
  Sarah Karakaian: to
• 1:07:31
  Sarah Karakaian: you
• 1:07:31
  Sarah Karakaian: next
• 1:07:31
  Sarah Karakaian: time.