Latest / WCHS Network Podcasts / 09/02/2025 Ask the Expert with Capital Insurance Group

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09/02/2025 Ask the Expert with Capital Insurance Group · WCHS Network Podcasts

0:00
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Speaker 2: The views and opinions expressed on this program do not
0:18
Speaker 2: necessarily reflect the views and opinions of five eight WCCHS
0:22
Speaker 2: it's employees or WVRC Media.
0:40
Speaker 3: You're listening to as the expert. Have you SEHS the
0:42
Speaker 3: Voice of Charleston. Happy Tuesday morning too, you made it
0:44
Speaker 3: through the weekend. Things are going well here in the
0:48
Speaker 3: state of West Virginia, in the city of Charleston, and
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Speaker 3: I've welcome into the studio with me this morning is
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Speaker 3: Don Wilson from Capital Insurance Group, the owner of Capital
0:55
Speaker 3: Insurance Group right here in Charleston. Don, good morning, How
0:57
Speaker 3: are you doing this morning? Hey, good morning, doing great man.
0:59
Speaker 3: I am always looking forward to having our conversations. And
1:02
Speaker 3: by the way, if you have any questions this morning
1:03
Speaker 3: and give us a call. Three zero four three four
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Speaker 3: five fifty eight fifty eight three four five fifty eight
1:06
Speaker 3: fifty eight. Don's been on the air with us off
1:09
Speaker 3: and on over the last few years. We've been back
1:11
Speaker 3: on the airwaves here for a couple of months now.
1:14
Speaker 3: But it is a good idea too for folks that
1:17
Speaker 3: because we have folks that come in and out of
1:18
Speaker 3: here all the time, that we want to make sure
1:20
Speaker 3: folks know who you are, who Don Wilson is what
1:22
Speaker 3: that means. You have a deep ties to this community.
1:26
Speaker 3: You've you've kept your business here Capital Insurance Group the
1:29
Speaker 3: worldwide headquarters right here in Charleston. But I think we
1:32
Speaker 3: could probably start back at the beginning of little Wait,
1:34
Speaker 3: by the way, good morning, how you doing.
1:35
Speaker 4: I'm doing great here? Did you have a good holiday weekend?
1:39
Speaker 4: And everything feels like a Monday? But it's like a Monday?
1:42
Speaker 3: Wait when when you're in school? This and the work
1:45
Speaker 3: week always reminds me of this as well. To be
1:47
Speaker 3: quite honest with you, the short work weeks are usually
1:50
Speaker 3: worse weeks than just a regular week.
1:52
Speaker 5: What you mean, especially in our business too, I mean
1:54
Speaker 5: we're going to have probably twice the calls we would
1:57
Speaker 5: on a normal Monday, right or a No two Tuesday, right,
2:00
Speaker 5: And this is a Tuesday, and it's no you know
2:03
Speaker 5: in the insurance business, you don't really there is no
2:06
Speaker 5: seasonal you know, like in retail, it's gonna be really
2:08
Speaker 5: busy back there.
2:09
Speaker 4: It's always busy, right, everybody.
2:10
Speaker 5: Insurance, everybody, and everybody was on the highways this weekend,
2:14
Speaker 5: and uh, you know people's homes were empty.
2:16
Speaker 4: All that's true.
2:18
Speaker 5: Then you got the water issues and all that stuff.
2:20
Speaker 5: And not to man, I don't not to mentional. We
2:22
Speaker 5: have people out on vacation, so it's a great day.
2:25
Speaker 4: Yeah, no doubt. Insurance.
2:27
Speaker 3: I could imagine that Capital Insurance group. But by the way,
2:30
Speaker 3: you can give a give him a call if you
2:31
Speaker 3: have any questions during the course of our conversation.
2:33
Speaker 4: You don't necessarily want to call in the radio.
2:34
Speaker 3: You can give a Capital Insurance call their number threes
2:36
Speaker 3: or four now non three saved threes are four, no
2:39
Speaker 3: non three save. But I thought it would be a
2:40
Speaker 3: good idea, Well, Don thought it would be a good idea.
2:42
Speaker 3: And he's right for him to kind of re introduce
2:44
Speaker 3: himself just a little bit to uh, to our area here,
2:46
Speaker 3: because you've been here for a long time. You've been
2:49
Speaker 3: you've been h our independent agent for a long time.
2:53
Speaker 3: As far as UH insurance goes. But folks need to
2:57
Speaker 3: know who you are. You have Deep Tais High School
2:58
Speaker 3: here in the community. You've been all the I mean,
3:01
Speaker 3: I mean you are a Charleston god basically.
3:02
Speaker 4: Oh yeah, born and raised on Charleston's West Side.
3:05
Speaker 3: Yeah.
3:05
Speaker 5: Where my grandfather actually, who lived in Dunbar, grew up
3:09
Speaker 5: in Jamaica, Queens in Jamaica, but he taught math at Stoneball.
3:14
Speaker 5: A lot of people remember my grandfather. He was a
3:16
Speaker 5: coach and a high school math teacher at Stonewall Jackson
3:21
Speaker 5: High School. He retired in nineteen eighty nine when when Capitol,
3:25
Speaker 5: where I graduated from in nineteen ninety nine was formed. Yeah,
3:30
Speaker 5: Deep Ties. You know a funny story about my ties
3:34
Speaker 5: to Capital. You know, the first ever boys basketball player
3:37
Speaker 5: to win the Player of the Year is my cousin
3:40
Speaker 5: Cookie Miller and the first ever football player to win
3:45
Speaker 5: the Kennedy Award is my cousin kay Sean Haley. Yeah,
3:49
Speaker 5: on both sides of the family, we got the first
3:51
Speaker 5: ever players of the Year of football and basketball. And
3:54
Speaker 5: you know, I was a pretty good athlete to played
3:56
Speaker 5: with Ricky Sharrod at at Capitol and also played with
4:00
Speaker 5: Dari and Scott who both you know, played NFL daring
4:03
Speaker 5: in about seven or eight years, and Ricky Sharrod in
4:05
Speaker 5: a couple of many camps and from w fame and
4:09
Speaker 5: Darian from Ohio's Day fame. So I was a pretty
4:11
Speaker 5: good football player back in the day and set some
4:14
Speaker 5: weightlifting records back in the day at Capitol and have
4:17
Speaker 5: grown up right here in Charleston and decided to keep
4:19
Speaker 5: my family here and keep my businesses here.
4:21
Speaker 3: That's fantastic and I always love I've I've had a
4:24
Speaker 3: circumventous route back to Charleston, but I ended up back
4:27
Speaker 3: here after leaving for some time. And I always like
4:29
Speaker 3: when we're able to keep folks here in the valley,
4:32
Speaker 3: There's no doubt about it. For a guy that had
4:34
Speaker 3: a lot of interest. And obviously from where you grew up,
4:37
Speaker 3: what got you on the insurance trail? What made you
4:39
Speaker 3: start thinking about insurance?
4:40
Speaker 4: Yeah, funny store. I used to own retail clothing stores.
4:43
Speaker 5: I ran the buckle on the mall for a little
4:45
Speaker 5: bit and got a taste of commission and sales. I
4:49
Speaker 5: never even knew I was any good at sales, and
4:51
Speaker 5: got a taste for that and started, you know, you know,
4:55
Speaker 5: venturing in to start my own company. Funny stories, every
4:58
Speaker 5: business I've ever worked in, every end of Trevor I
5:00
Speaker 5: worked in. I started my own company and including insurance obviously,
5:03
Speaker 5: And so I started retail clothing stores. And I didn't
5:05
Speaker 5: have anybody giving me an advice. Everybody was coming in,
5:08
Speaker 5: you know, advertising or whatever. There was money going out
5:11
Speaker 5: the door. I'm like, who helps me keep the money
5:13
Speaker 5: in the door and protects me? You know, where's that
5:16
Speaker 5: guy at where's that girl that you know? And I
5:18
Speaker 5: did some research found out it was insurance agents.
5:20
Speaker 4: You know.
5:20
Speaker 5: I always thought it was CPAs who do a great
5:22
Speaker 5: job and have a great CPA. I always thought it
5:24
Speaker 5: was financial advisors, right, And it's actually your insurance agent
5:27
Speaker 5: that kind of plays that quarterback or that goalie or
5:30
Speaker 5: that picture that that that you know runs the operation
5:33
Speaker 5: with all of your other advisors. And so I said,
5:36
Speaker 5: no one came in to talk to me, there must
5:38
Speaker 5: be a void in the market. And you know, in
5:40
Speaker 5: two thousand and seven, which is a long time ago
5:43
Speaker 5: at this point, put in two thousand and seven, ventured
5:45
Speaker 5: in and became an independent, not an independent, but a
5:49
Speaker 5: captive insurance agent and got a taste for the insurance
5:52
Speaker 5: business selling life, health and disability insurance only that's only product.
5:58
Speaker 4: There and for one care right right.
6:01
Speaker 3: Right, A little different from what you have now, right,
6:03
Speaker 3: Slightly different, Yeah, slightly different.
6:05
Speaker 4: Yeah.
6:05
Speaker 5: And it opened my eyes, you know, I got to
6:07
Speaker 5: see the corporate structure of it, you know, working for
6:09
Speaker 5: a Fortune one hundred company, you know, headquartered in New York,
6:13
Speaker 5: one of the largest companies, you know, one of the
6:16
Speaker 5: fifty or seventy five largest companies in the United States.
6:19
Speaker 5: I worked for it for four and a half years,
6:21
Speaker 5: and I did a great job. They showed me a
6:23
Speaker 5: ton They gave me a ton of you know, training,
6:25
Speaker 5: and I traveled. I went to New York City and worked,
6:28
Speaker 5: and I went to Philadelphia and Dallas and all these
6:31
Speaker 5: different places. He got all this amazing training. But the
6:33
Speaker 5: one piece of training that I got that stuck with
6:36
Speaker 5: me the most was from doctor Randy Marshall. He told
6:38
Speaker 5: me the difference between a goal and a desire. It
6:40
Speaker 5: was and it opened my eyes forever, right, and so
6:44
Speaker 5: you know, you know, he taught me that a goal
6:47
Speaker 5: was something that you alone can control, and a desire
6:50
Speaker 5: takes action from someone else. And he said, don't focus
6:54
Speaker 5: on the the action of someone else. You know, don't
6:57
Speaker 5: focus on the desire that you want, that sale that
7:01
Speaker 5: you want, because that takes action from someone else. Focus
7:03
Speaker 5: on your process. And I started, you know, making calls,
7:07
Speaker 5: and the calls became my goal.
7:10
Speaker 4: And who could stop me from making calls with me?
7:12
Speaker 6: Right?
7:13
Speaker 5: So it really took off from me after that, and
7:16
Speaker 5: you know, I became broke some records in that company.
7:19
Speaker 5: I was leading their Pittsburgh office in sales. The day
7:22
Speaker 5: I left and said I want to be independent when
7:25
Speaker 5: or for a local independent agency.
7:27
Speaker 4: Wow.
7:28
Speaker 3: That, I mean, that's that's I mean that it's truly
7:30
Speaker 3: how you come across an industry that you find and
7:32
Speaker 3: you love and that you and you find your way in.
7:35
Speaker 3: I mean, that's everybody has kind of an origin story
7:37
Speaker 3: with that, but that's a strong one. I mean where
7:38
Speaker 3: you really found kind of what you like to do,
7:41
Speaker 3: You identified where the problem was, you found the different
7:44
Speaker 3: areas where you could work in, and then you ultimately
7:46
Speaker 3: found your destination, which is Capital Insurance Group. Where you
7:49
Speaker 3: took the experience that you had put together from that
7:50
Speaker 3: point in time, said well how can I help people
7:52
Speaker 3: out the most and at the same time make a
7:55
Speaker 3: relevant business for myself exactly.
7:57
Speaker 5: You know at the foundation that's helping people at the
7:59
Speaker 5: end of the day. You know people, I just talked
8:01
Speaker 5: to a client last night, Yes on Labor Day at
8:04
Speaker 5: eight forty five at night, I was talking to a
8:06
Speaker 5: potential client in North Carolina and she's like, I want
8:09
Speaker 5: to save money. I was like, Hey, that's not what
8:11
Speaker 5: I do. You know, at the end of the day,
8:13
Speaker 5: if we save you money, that's that's a win. I
8:15
Speaker 5: always tell people it's like the cherry on top of
8:17
Speaker 5: the Sunday, Right, You're gonna take the Sunday whether the
8:19
Speaker 5: cherry is there or not. But you know, at the
8:21
Speaker 5: end of the day, we want to we want to
8:22
Speaker 5: make sure that you have adequate, accurate, competent coverage, right,
8:27
Speaker 5: and we want to make sure that all your assets
8:28
Speaker 5: are protected at the end of the day. Because what
8:30
Speaker 5: I tell people is if one if you ever have
8:32
Speaker 5: a claim with me, you're never going to fire me too.
8:35
Speaker 5: At the end of the day, you're gonna wish you
8:37
Speaker 5: had my policy if a claim does happen, because we're
8:39
Speaker 5: gonna make sure we cover all those bases.
8:41
Speaker 4: Yeah, and we'll get into that.
8:43
Speaker 3: Dawn. We talk a lot when Dawn's on the program
8:45
Speaker 3: about the difference between you know, maybe going through a
8:47
Speaker 3: captive agent that you've always had and having somebody that
8:49
Speaker 3: has the whole toolbox that's open for him. I was thinking,
8:52
Speaker 3: I always, I don't know why, I always thinking of analogies,
8:55
Speaker 3: but one of the analogies I was thinking about this
8:57
Speaker 3: morning when I was driving in. Every every morning when
8:59
Speaker 3: I leave my house, I get a little bit mad
9:01
Speaker 3: because now it was like twelve years ago that we
9:04
Speaker 3: paid to have the thing remodeled. But we've been having
9:06
Speaker 3: this problem for years. And one of the problems is
9:09
Speaker 3: is the guys. When they were doing the remodeling of
9:12
Speaker 3: my house, the lead contractor came to me and said, okay,
9:15
Speaker 3: it's time for the windows. We can do your windows
9:16
Speaker 3: if you want us to. And he gave us an
9:18
Speaker 3: estimate for the windows. And the estimate that he gave
9:19
Speaker 3: me for the windows was about twelve hundred dollars less
9:22
Speaker 3: than the window company gave me for the windows. I
9:24
Speaker 3: was like, man, I can say twelve hundred bucks, and this
9:26
Speaker 3: guy's done a pretty good job so far, so let's
9:28
Speaker 3: go with this guy. He can do this. So he
9:30
Speaker 3: put my windows in for me. When the job was
9:32
Speaker 3: done and they looked great. Everything was fine. Come a
9:35
Speaker 3: couple years later, and it's hard to track these things
9:38
Speaker 3: when you're talking about the long bend of time. But
9:41
Speaker 3: a couple of years later, my window, the trim is
9:43
Speaker 3: rotting out that they didn't use treated lumber for the thing.
9:47
Speaker 3: Like the thing looked all right, but it was not
9:48
Speaker 3: put in correctly. You know, there was like a lot
9:50
Speaker 3: of problems. Esthetically it looked fine once you get underneath
9:53
Speaker 3: the hood of the thing, all kinds of problems with weather,
9:56
Speaker 3: water treatment, different things along those lines. And I can't
9:59
Speaker 3: help but to think, and an analogy standpoint, that's like
10:01
Speaker 3: having a generalist insurance company do your insurance for you,
10:05
Speaker 3: and then you have a specific problem later and you
10:07
Speaker 3: find out, Man, I wish I would have gone, I
10:09
Speaker 3: wish I had a better policy there.
10:10
Speaker 5: Yeah, the days of one insurance company being able to
10:14
Speaker 5: do everything for every situation, well, I don't think they
10:17
Speaker 5: ever existed. The carriers think they exist, right, because even
10:21
Speaker 5: the carriers I work with, right, some of them specialize
10:24
Speaker 5: in a particular product.
10:25
Speaker 4: Right.
10:25
Speaker 5: We have Neptune for flood, we have NCIP for flood.
10:28
Speaker 5: All they do is flood and earthquake stuff like that, right,
10:31
Speaker 5: natural disaster type stuff. But some carriers right tend to
10:36
Speaker 5: think they can do absolutely everything for each client, and
10:39
Speaker 5: it's simply not true. You know, you have to have
10:42
Speaker 5: one an agent that's competent, right, that understands that one
10:46
Speaker 5: carrier doing everything for each situation is just not it's
10:50
Speaker 5: not possible, right, And then two having the option right
10:55
Speaker 5: to work with multiple carriers to help you facilitate and
10:59
Speaker 5: protect all of your assets, you know, with that proper
11:01
Speaker 5: protection right with that proper carrier, and understanding what we
11:05
Speaker 5: call each carrier's appetite and competency that they're really good at, right,
11:09
Speaker 5: and then placing you with that carrier. That's how we
11:10
Speaker 5: were able to help save people, on average over eight
11:13
Speaker 5: hundred and fifty dollars a year on their insurance.
11:16
Speaker 3: And like you said, it's nice that you're able to
11:19
Speaker 3: save that money. And obviously you're able to put the
11:21
Speaker 3: things together in a kind of a logical fashion where
11:25
Speaker 3: you're not overpaying for some things, you're paying more where
11:27
Speaker 3: you need it, whatever it might be. But even if
11:29
Speaker 3: you even if it was flush, even if you didn't
11:31
Speaker 3: save any money at the end of that the fact
11:32
Speaker 3: that you would have customized insurance policies for exactly what
11:36
Speaker 3: it is that you need where you didn't have any
11:37
Speaker 3: of that gaps that you had to worry about where
11:39
Speaker 3: you had your custom everybody's life is custom in some way.
11:41
Speaker 3: Nobody has a cookie cutter life. And so if that
11:44
Speaker 3: one little area that's not cookie cutter in their life,
11:46
Speaker 3: that a typical policy is not going to cover them,
11:48
Speaker 3: and they're covered now. I mean even that is great
11:51
Speaker 3: for peace of mind, not to mention the fact that
11:52
Speaker 3: you could probably save them some money, right right. You know,
11:55
Speaker 3: for me, it's kind of like this too, because you know,
11:58
Speaker 3: I don't know you guys probably don't keep over with
11:59
Speaker 3: the insureurance news and transactions, right, but this light bulb
12:02
Speaker 3: just went off. Right, So you know, you go into
12:04
Speaker 3: the huge hardware store, we won't name anybody, right, a
12:07
Speaker 3: huge hartware store.
12:08
Speaker 4: Right.
12:08
Speaker 5: You're looking for specialization, right, tell me what this thing
12:11
Speaker 5: does with this? And then you go into the local place, right,
12:14
Speaker 5: we won't name any companies, but you know the exact experience, right.
12:18
Speaker 5: You're going to get more expertise from that mom and
12:21
Speaker 5: pop place, right, and that's Capital Insurance Group. I don't
12:24
Speaker 5: know if you guys know you guys haven't heard the news.
12:27
Speaker 5: But an insurance agency just two weeks ago, not an
12:30
Speaker 5: insurance company, an insurance agency, so for thirteen and a
12:35
Speaker 5: half billion dollars, not an insurance company, just an insurance
12:41
Speaker 5: agency where's worth more than the Lakers, right.
12:46
Speaker 4: Imagine the large all the red tape, all the stuff all.
12:51
Speaker 5: You know, you're not getting that same customer care from
12:56
Speaker 5: a fourteen billion dollar insurance agency.
12:59
Speaker 4: You're just not.
13:00
Speaker 5: Maybe at large multinational company is right, but for your
13:05
Speaker 5: home and auto, not a chance. And so we are
13:09
Speaker 5: that small expert expert, right, that is going to give
13:12
Speaker 5: you that customer care, that customer satisfy, satisfaction, and that
13:17
Speaker 5: carrier understanding, right, because we care about each and every
13:20
Speaker 5: client as an individual.
13:22
Speaker 3: And you guys automatically, you guys have a limit where
13:26
Speaker 3: you automatically look at people's policies too, right, So you
13:29
Speaker 3: don't let anybody have like that policy that hasn't been
13:31
Speaker 3: looked at in five years or whatever.
13:33
Speaker 5: We call it the we shop program, right, and so
13:36
Speaker 5: we shop you save, right, We shop for the insurance
13:38
Speaker 5: for you, kind of like your personal insurance shopper, right,
13:41
Speaker 5: kind of like instagar for insurance. And so we every
13:44
Speaker 5: year at your renewal, about forty five to seventy five
13:47
Speaker 5: days out, we send you an email and say, hey,
13:50
Speaker 5: it's time to review your policy. You know what's changed?
13:53
Speaker 5: Does anything change? Tying to book your renewal consultation right.
13:58
Speaker 5: But then behind the scenes, my staf half of probably
14:01
Speaker 5: six different people are looking at each renewal and they're saying, oh,
14:04
Speaker 5: this one went up too much. The carrier did something
14:07
Speaker 5: we don't like, right, and you don't even know this
14:09
Speaker 5: is happening. But behind the scenes, we go in and
14:11
Speaker 5: reshop your policy with all of our carriers. Sometimes we've
14:15
Speaker 5: added a new carrier, Sometimes the carriers merged. Sometimes a
14:18
Speaker 5: carrier's made a purchase, and that leads to price changes,
14:22
Speaker 5: right and appetite changes. We go in and we've saved
14:25
Speaker 5: our own clients five six, seven, eight hundred dollars a
14:28
Speaker 5: year from their renewal with a policy that we wrote.
14:32
Speaker 5: What that means is we're your agent, not the agent
14:35
Speaker 5: for the insurance carrier.
14:36
Speaker 3: And that makes such a difference when you have somebody
14:38
Speaker 3: that's on your side, not trying to play the middle
14:40
Speaker 3: man or whatever it might be. I mean, you're you
14:43
Speaker 3: as an independent you're not beholden to that. I mean,
14:45
Speaker 3: you're working for the person that that hired you.
14:46
Speaker 4: To work for.
14:47
Speaker 5: Yep, if you hire a captive agent, you can't really,
14:50
Speaker 5: honestly can't.
14:51
Speaker 4: They have a job.
14:53
Speaker 5: They work for an insurance carrier, an independent agent you
14:56
Speaker 5: can hire, we work for you.
14:57
Speaker 3: And I find that the whole exploration of what you
15:01
Speaker 3: do with cap of Insurance. And I'm and we'll take
15:02
Speaker 3: a break here in a moment when we come back,
15:04
Speaker 3: I want to make sure that we that we talked
15:05
Speaker 3: about not only the residents what you do, but for
15:07
Speaker 3: for business too.
15:08
Speaker 4: And one of the things you said a little bit
15:10
Speaker 4: ago that really resonated with me.
15:11
Speaker 3: You were talking about how you were doing things and
15:14
Speaker 3: in retail and nobody, nobody came to you, like they
15:16
Speaker 3: didn't tell you that you needed insurance. And I've learned
15:19
Speaker 3: so much more. I was a business owner for a decade.
15:22
Speaker 3: I owned businesses in three different states myself. You know,
15:26
Speaker 3: I had a I had a like a quote unquote
15:28
Speaker 3: franchise I helped open in Toronto. I mean, I was
15:31
Speaker 3: doing some business, you know. And man, there is not
15:34
Speaker 3: one single insurance agency that came to me with I mean,
15:38
Speaker 3: obviously I looked out myself for myself. But as far
15:41
Speaker 3: as like somebody coming to me and being like, let
15:43
Speaker 3: me tell you what we can do for you and
15:44
Speaker 3: why you need my services and explain it to me,
15:47
Speaker 3: it would have been a cell.
15:48
Speaker 4: I mean, I mean, honestly, it would have been a sell.
15:51
Speaker 4: A lot of those guys are having enough business. Yeah, yeah,
15:54
Speaker 4: that's probably it, right, And they looked at I mean,
15:56
Speaker 4: they're not waking up to get on the radio and
15:58
Speaker 4: talk to people.
15:58
Speaker 3: That's right, that's right, and that's what that's you need
16:00
Speaker 3: somebody like Don Wilson to pay attention to that. Let's
16:02
Speaker 3: go ahead and do this. Let's ahead and take a break.
16:03
Speaker 3: When we come back, let's talk about all the different
16:05
Speaker 3: stuff that you offer. We'll talk about we'll start with
16:08
Speaker 3: obviously what folks can help from a personal standboy, from
16:12
Speaker 3: a personal standb from just an individual, but also let's
16:14
Speaker 3: talk about what businesses can.
16:15
Speaker 4: Do and things along those lines. When we come back.
16:17
Speaker 3: If you have any questions along those lines, you can
16:18
Speaker 3: give us a call three zero four three four five
16:20
Speaker 3: fifty eight fifty eight three four five fifty eight fifty eight.
16:22
Speaker 3: You can text three zero four non three five five
16:24
Speaker 3: zero zero eight. You can find out more information about
16:26
Speaker 3: Capital Insurance Group online SEIGWV dot com, that cigwv dot
16:31
Speaker 3: com and their phone number three zero four non non
16:34
Speaker 3: three save three zero four non non three save. We'll
16:36
Speaker 3: take a break and be back right after this. You're
16:38
Speaker 3: listening to ask the expert. Don Wilson is here from
16:40
Speaker 3: Capital Insurance Group. This is five ADWCHS the Voice of Charleston.
16:44
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16:47
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Speaker 3: Facts, and we're back. You're listening to ask the expert
19:15
Speaker 3: w c HS. The voice of Charles and I'm Del Cooper.
19:17
Speaker 3: Thanks for tuning in on this this Tuesday morning. It's
19:20
Speaker 3: a beautiful morning out there. Don Wilson is with us
19:22
Speaker 3: this morning from Capital Insurance Group, taking your phone calls
19:25
Speaker 3: at three zero four three four.
19:26
Speaker 4: Five fifty fifty eight three four five fifty eight fifty eight.
19:28
Speaker 3: You can find out more information online Capital Insurance Group,
19:30
Speaker 3: CEIGWV dot com, CIGWV dot com. Tons of stuff that
19:34
Speaker 3: we have to talk about still this morning, and I
19:36
Speaker 3: wanted to talk a little bit about obviously when we
19:39
Speaker 3: talk about insurance and we talk about the difference between
19:43
Speaker 3: being a captive agent and being like Don, who is
19:46
Speaker 3: not a captive agent. That means and just to remind
19:48
Speaker 3: folks exactly what that means. You have no issue with
19:51
Speaker 3: Progressive all State, State Farm, any of those things. You
19:54
Speaker 3: just like him so much. You like to use all
19:55
Speaker 3: of them. You don't like to just use one. Yeah, yeah,
19:58
Speaker 3: I don't. I don't use some of those, but use most.
20:01
Speaker 3: You know, our top carriers are progressive. Uh.
20:04
Speaker 5: We use Progressive, Triple A, Geico, uh, Safego, Liberty, Mutual Travelers, Hartford,
20:10
Speaker 5: you name it.
20:10
Speaker 4: We work with them.
20:11
Speaker 3: Uh.
20:12
Speaker 5: Some of the top insurance carriers in the country uh
20:15
Speaker 5: In Cova, which is locally owned and operated here uh
20:19
Speaker 5: In uh In West Virginia uh formerly Brick Street uh.
20:22
Speaker 5: So we work with a ton of carriers, Farmers Farmers
20:25
Speaker 5: uh their their elite brand Foremost is one of our
20:28
Speaker 5: carriers as well. And so that just gives us the
20:31
Speaker 5: ability to shop for you, right, we can do. Let
20:34
Speaker 5: the insurance experts go out and shop for you for
20:38
Speaker 5: new insurance on the big thing is you can go online. Yes,
20:41
Speaker 5: you can go online and do that, but what we've
20:43
Speaker 5: found is most people without a license don't understand which
20:47
Speaker 5: coverage are most important.
20:49
Speaker 4: Right. They're looking at comprehensive and collision. Yes, that's important.
20:53
Speaker 5: That's the coverage on your vehicle, But everything else, right
20:57
Speaker 5: is for your the damages that you call, which is liability,
21:01
Speaker 5: which is the major thing that you need to make
21:04
Speaker 5: sure that you have adequate coverage for. And most people
21:07
Speaker 5: are going out and buying state minimum limits and not
21:10
Speaker 5: knowing it by shopping on their own, Right, why not
21:13
Speaker 5: let an insurance professional do it for you. And you
21:17
Speaker 5: can go right to our website click get a quote. Right,
21:19
Speaker 5: you pick your insurance carrier, You log into your insurance
21:22
Speaker 5: carrier's website right from that link, and it will send
21:26
Speaker 5: us your documents right and then you can let us
21:28
Speaker 5: do the rest. You sit back and enjoy the rest
21:32
Speaker 5: of your day or go to work or whatever you're doing,
21:34
Speaker 5: while we shop for you to get the best coverage
21:37
Speaker 5: at the best price.
21:38
Speaker 3: So you don't even have to incessily talk to anybody.
21:40
Speaker 3: First of all, you can just go to get the
21:41
Speaker 3: quote and feel that I just saw that on your
21:42
Speaker 3: website on there, And the reason I asked this I
21:44
Speaker 3: think I mentioned last week, and I'll tell a real
21:47
Speaker 3: time story. I will this week. I will put my
21:50
Speaker 3: information in and next week we'll talk about it. Yeah,
21:52
Speaker 3: because I had a situation, maybe you can explain for
21:54
Speaker 3: folks out there, because there's got to be people that
21:56
Speaker 3: run into this, and I've been hearing it a lot,
21:57
Speaker 3: so I know there's got of people out there. I've
21:59
Speaker 3: had the same insurance company for years, for years, no
22:02
Speaker 3: major issues, nothing else. My credit score may not be perfect,
22:06
Speaker 3: but it's darn close to perfect. I mean, if there's
22:08
Speaker 3: not a nine hundred credit score, I'm as close as
22:10
Speaker 3: you can get. I mean, it's what it's eight fifty
22:12
Speaker 3: or something. I think at highest, I'm darned close to that.
22:14
Speaker 3: So I mean, no issue with credit, never a mispayment,
22:16
Speaker 3: no problems like that. My payment went up like one
22:20
Speaker 3: hundred and ninety dollars a year or something like that,
22:23
Speaker 3: or no, two hundred and ninety dollars a year, this
22:25
Speaker 3: past this past billing I got, and I gotta admit
22:27
Speaker 3: I was a little bit like, what why did I
22:29
Speaker 3: do wrong? What did I mean? How am I not
22:32
Speaker 3: the perfect client? I never have a claim and I
22:34
Speaker 3: have perfect credit? What is what is my problem here?
22:37
Speaker 3: Why that's my rate?
22:38
Speaker 5: Here's why you fit in the class right, in class
22:41
Speaker 5: or demographic of people who are probably not going to change. Right,
22:46
Speaker 5: You've been there twenty years, comfortable with it, Yes, you've
22:48
Speaker 5: been there twenty years. And I'm telling you large companies
22:52
Speaker 5: the most valuable thing on earth one time to information right,
22:57
Speaker 5: information right. The more information you have, the more you
23:02
Speaker 5: can do with it. And I'm telling you they can
23:04
Speaker 5: pinpoint two a percentage down to a dollar. How many
23:09
Speaker 5: people that have been with them over fifteen years are
23:11
Speaker 5: going to leave if they increase their prices xyz right,
23:15
Speaker 5: And that's higher than it would be if it was
23:17
Speaker 5: twenty five years, and it's higher than if it was
23:20
Speaker 5: thirty five years. And the people that stay the longest
23:22
Speaker 5: with one carrier, you don't have leverage because you've been
23:26
Speaker 5: there too long and you're too comfortable. You have to
23:29
Speaker 5: get uncomfortable, right, and you have to do something that
23:32
Speaker 5: you haven't done, and that's work with an independent agent,
23:35
Speaker 5: because that puts the power in your hands and takes
23:38
Speaker 5: it out of the hands of the insurance carrier.
23:41
Speaker 3: Now, it may be that there's companies that still offer
23:43
Speaker 3: this sort of thing, but it seems to me that
23:45
Speaker 3: one of the things you would hear some places advertised
23:47
Speaker 3: about would be like discounts for long term clients and
23:52
Speaker 3: different things along those lines. I don't seem to hear
23:53
Speaker 3: that leading the call for new clients that much anymore.
23:57
Speaker 5: Yeah, that's before we had all this wild weather, right,
24:00
Speaker 5: We've had a couple of tornadoes and West Virginia and
24:03
Speaker 5: Ohio and places like that, and these all these hell
24:05
Speaker 5: storms and things of that nature, and insurance companies are
24:08
Speaker 5: being hit. They're scrambling, right, and the best way to
24:10
Speaker 5: find money or for or from their most loyal customers.
24:14
Speaker 3: And the nice thing, if the way I understand it,
24:16
Speaker 3: if I take all my information. I put it in
24:18
Speaker 3: online and you guys are able to pull my information
24:20
Speaker 3: give me quotes and things like that. It's also going
24:22
Speaker 3: to be meeting your minimum threshold of guidelines on those
24:24
Speaker 3: quotes as well. So I'm not going to be getting
24:26
Speaker 3: the minimum, dirt Dog. We don't on any of.
24:28
Speaker 5: That well minimum, yeah, yeah, we don't sell the minimum.
24:32
Speaker 5: And in some cases, and not to scare anybody, but
24:35
Speaker 5: in some cases, if you come to us with the
24:37
Speaker 5: minimum and you're not willing to go to our limits.
24:41
Speaker 4: We can't work with you.
24:42
Speaker 5: Yeah, because we can't see you the minimum because I'm
24:44
Speaker 5: using I'm paying ninety dollars for the minimum.
24:48
Speaker 4: Congratulations. There's nothing I can do for.
24:50
Speaker 3: You, because I got to tell you that's the problem
24:51
Speaker 3: I ran into. I wanted to kind of test this
24:54
Speaker 3: out a little bit going to any of these sites
24:56
Speaker 3: where you kept like the general.
24:58
Speaker 4: Sites like check my interns. I'll come.
24:59
Speaker 3: I don't know if that's one the ones that you
25:00
Speaker 3: can go to and get your entrance rates checked, they'll
25:03
Speaker 3: do it for you. But the quotes they're returning back
25:05
Speaker 3: to you are assuming minimums the cheapest possible. The chef
25:08
Speaker 3: of and I don't want that. I don't want the
25:09
Speaker 3: cheapest possible. I want a good a good one. But
25:11
Speaker 3: treat me with respect. That's all I'm asking for that.
25:13
Speaker 5: Most people to understand under and uninsured, Right, you can
25:16
Speaker 5: be anyone. No matter what your limits are, you can
25:19
Speaker 5: be under insured. It's based on how much damage you CAUs.
25:23
Speaker 5: You could have a million dollars in limits. You call
25:25
Speaker 5: calls more than a million dollars in damage, you're under injured.
25:28
Speaker 5: Most people don't understand that they're going to have I
25:29
Speaker 5: had two fifty five hundred. I'm good unless you cause
25:33
Speaker 5: more damage than your coverage is, right, and that's where
25:36
Speaker 5: umbrellas and things of that nature come in and hire.
25:39
Speaker 5: You know liability limits, and we do that. We'd give
25:41
Speaker 5: a full assessment, a full consultation, and it costs you
25:44
Speaker 5: nothing to call us and work with us. It costs
25:48
Speaker 5: you nothing to go to CIGWV dot com click get
25:51
Speaker 5: a quote. I'm telling you it takes literally twenty to
25:54
Speaker 5: thirty seconds. We get your information. Our team will then
25:58
Speaker 5: reach out run the quotes for you, find you the
26:00
Speaker 5: best prices, and you may save eight hundred, nine hundred
26:04
Speaker 5: dollars a year because you spent thirty five second. That's
26:07
Speaker 5: a pretty good pay rate. Yeah, that is thirty five
26:09
Speaker 5: seconds for nine hundred bucks.
26:11
Speaker 3: Man, I just spent a couple of minutes and you
26:12
Speaker 3: see what you can come up with for it, right,
26:14
Speaker 3: I mean, I'm looking forward to checking it out because
26:16
Speaker 3: it's just one of those things that gets a little mad.
26:18
Speaker 3: And you're right, if you leave that thing go forever,
26:20
Speaker 3: I mean before you know it. I mean, a a
26:22
Speaker 3: little bit of rate increase here, a little bit of rate.
26:24
Speaker 3: And I went back to my records. My rate's been
26:26
Speaker 3: going up every single year. They're going it's a slow drip.
26:28
Speaker 3: It is two hundred dollars at a time over the
26:30
Speaker 3: course of thirty years. Is a lot of money.
26:33
Speaker 4: Yeah, it is. Man.
26:34
Speaker 3: I couldn't believe it. I don't know what they were
26:35
Speaker 3: doing to me. So I'm looking forward to checking that out.
26:37
Speaker 3: And I mentioned earlier too that I used to to
26:40
Speaker 3: own some retail businesses, and again I'm surprised, especially after
26:43
Speaker 3: talking to you, that nobody ever came to me and
26:45
Speaker 3: was like, hey, this is what you need to have
26:47
Speaker 3: for your business. I mean I had to go out
26:49
Speaker 3: and seek people and get the protections that I needed,
26:51
Speaker 3: but nobody came to me and said, well you went
26:54
Speaker 3: and patch work this stuff together. Let me tell you
26:56
Speaker 3: what I can do for you in hole, and I'll
26:57
Speaker 3: carry you right right now. It would have been a
26:59
Speaker 3: huge benefit for me. So let's talk a little bit
27:00
Speaker 3: about businesses. What should a business owner look at first
27:04
Speaker 3: and foremost. You know you're starting let's call it a
27:06
Speaker 3: brick and mortar operation first, So you have your brick
27:08
Speaker 3: and mortar operation, you have your retail operation, whatever it
27:11
Speaker 3: might be, and you think, okay, I need to get
27:13
Speaker 3: my business and my employees and everybody taking care of
27:16
Speaker 3: what do they need to consider?
27:17
Speaker 4: First things?
27:18
Speaker 5: First, you need to start with a BOP. It's BOP
27:21
Speaker 5: business owners policy, Right. What does it cover. It's kind
27:24
Speaker 5: of like your homeowner's insurance before your business. It's going
27:27
Speaker 5: to cover everything inside. It'll cover the building if you
27:30
Speaker 5: own it, if you don't own the building, It's kind
27:32
Speaker 5: of like renters insurance, so everything inside. Liability, business interruption.
27:38
Speaker 5: I'm sure people remember that from the water crisis and
27:41
Speaker 5: from COVID Right, business interruption. It can also be endorsed
27:45
Speaker 5: to include employment practices, liability, cybersecurity, things of that nature.
27:50
Speaker 4: Right.
27:50
Speaker 5: The biggest things though, are one all of the business.
27:54
Speaker 5: Personal property, so your desks, your furniture, your computers, that stuff. Right, liability,
28:02
Speaker 5: someone comes onto your property, slips and falls, right, or
28:05
Speaker 5: you CAUs harm if you're like a landscaper or something
28:08
Speaker 5: like that, you damage someone else's property while you're cutting grass,
28:12
Speaker 5: and then the business interruption, right, huge water loss inside
28:18
Speaker 5: the building that you occupy, and you can't occupy the building,
28:21
Speaker 5: and say you're a bakery, right, and there's a small
28:23
Speaker 5: fire right in the kitchen and you can't operate for
28:27
Speaker 5: three months.
28:28
Speaker 4: Right.
28:28
Speaker 5: One, it can help you find a new place to operate.
28:30
Speaker 5: Out of two, it can make up for the lost income.
28:34
Speaker 5: And a big one that people don't talk about and
28:36
Speaker 5: most people don't understand. It's called hired and non own liability.
28:40
Speaker 5: So if anyone from your any of your employees or
28:43
Speaker 5: you drives for the business anywhere, that's to get supplies,
28:47
Speaker 5: that's to grab lunch, any sort of driving their personal
28:51
Speaker 5: vehicle for the business, and they getting an accident, this
28:54
Speaker 5: will provide liability coverage as well. You can typically do
28:58
Speaker 5: that right on a small business like a baker, or
29:00
Speaker 5: a law firm or doctor's office, something like that. An accountant,
29:05
Speaker 5: you tell me to do that for like fifty to
29:07
Speaker 5: eighty bucks a month. Yeah right, yeah, and you get
29:10
Speaker 5: all that coverage.
29:11
Speaker 4: Right.
29:12
Speaker 3: It just seems like that, And that's exactly the type
29:14
Speaker 3: of thing you tap into when you're talking to somebody
29:15
Speaker 3: knows exactly what they're talking to that and it knows
29:17
Speaker 3: the nuance of these situations. You mentioned something there a
29:20
Speaker 3: moment ago. The one good piece of advice I remember
29:23
Speaker 3: getting from someone who I was talking about when I
29:24
Speaker 3: was talking about my inventory and ensuring my business is
29:28
Speaker 3: one of the things that I did on the cheap
29:30
Speaker 3: is I put together my own network for my business.
29:32
Speaker 3: And I did it by there was a power company
29:35
Speaker 3: Consumer's power up in Michigan would auction off some of
29:37
Speaker 3: their computer equipment, So I like, I've literally strung this
29:40
Speaker 3: thing together off of a shoe string budget. I would
29:43
Speaker 3: go over and I would buy these terminals and these
29:45
Speaker 3: empty disk drives. I would install Linux on them so
29:48
Speaker 3: it was a free operating system. I would put my
29:49
Speaker 3: network together. So this was like I literally had hundreds
29:52
Speaker 3: of dollars invested in something that should have cost me
29:54
Speaker 3: thousands of dollars. And when I was talking to my
29:56
Speaker 3: agent of it, I was like, oh, man, I got
29:58
Speaker 3: a good deal on that stuff. I shouldn't have to
30:00
Speaker 3: you know that, you know we can keep that on
30:01
Speaker 3: the low end. He's like, why in the world would
30:03
Speaker 3: you want to do that? Can you can? You can
30:04
Speaker 3: you redo all that again at the same cost. You
30:07
Speaker 3: would never be able to do that. You would have
30:08
Speaker 3: to you would have to replace that. You're never going
30:11
Speaker 3: to be able to rebuild it the way you did
30:12
Speaker 3: before over the years of time that you put into
30:14
Speaker 3: doing it. I never thought about it like I was like, oh, hey,
30:17
Speaker 3: I did it on the cheap, so I needed insurance
30:18
Speaker 3: for the cheap. That's not true at all. You need
30:20
Speaker 3: to insurance for what you would have had to do
30:22
Speaker 3: if you didn't save the money doing it on the chief.
30:24
Speaker 5: Insurance is based or replacing exactly replacement, right, because you
30:28
Speaker 5: can't replace that stuff unless you have it right, and
30:31
Speaker 5: so you can't operate without it, right, And so we
30:35
Speaker 5: replaced the things that you can't operate without. And that's
30:37
Speaker 5: what insurance does. And so and then another thing too
30:40
Speaker 5: is once you get employees right, and I know a
30:42
Speaker 5: lot of people get these calls every day.
30:45
Speaker 4: I don't have any employees.
30:46
Speaker 5: I'm operate my business without employees, and it's like, man,
30:49
Speaker 5: how many how many roofing jobs do you do?
30:51
Speaker 4: You?
30:51
Speaker 2: Oh?
30:51
Speaker 5: We do man, we can do a roof in two days. Wow,
30:54
Speaker 5: by yourself, by yourself. That was my cousin's months and
30:58
Speaker 5: uncles that help me. Employees that they don't own the business.
31:01
Speaker 5: So as soon as you get non owner employees right,
31:06
Speaker 5: so they're not on the articles of incorporation. This goes
31:10
Speaker 5: for a spouse to if your spouse works for you
31:12
Speaker 5: and she's not he or she is not on the
31:15
Speaker 5: articles of incorporation, that is an employee right because they
31:19
Speaker 5: don't own the business. And you have to, by state
31:22
Speaker 5: law have workers compensation. In West Virginia, you cannot operate
31:27
Speaker 5: without workers compensation if you have any amount of payroll. Right,
31:32
Speaker 5: And so you want to reach out to an insurance
31:34
Speaker 5: professional that can introduce you to an insurance carrier and
31:38
Speaker 5: a comprehensive plan for all things insurance that your business
31:42
Speaker 5: may need. Because if you're in a situation where there
31:44
Speaker 5: is that fire in that kitchen and your bakery, right
31:46
Speaker 5: and you can't operate for ninety to one hundred and
31:48
Speaker 5: twenty days while while it's repaired, where does that money
31:51
Speaker 5: come from?
31:52
Speaker 4: Right?
31:52
Speaker 5: And we want to make sure that you have adequate
31:55
Speaker 5: coverage for every single need and every single situation.
31:58
Speaker 3: Men can't I can't stress that enough either, because I
32:01
Speaker 3: tried to run my old business and I we were
32:05
Speaker 3: in Jackson, Michigan is where our kind of our world
32:08
Speaker 3: operations was when we sort of franchised out from there.
32:10
Speaker 3: But we tried to like make a council of small
32:13
Speaker 3: businesses in the area and things like that. You know,
32:15
Speaker 3: we would we were relatively successful, we would bring people in.
32:18
Speaker 3: But people make a lot of small business owners make
32:21
Speaker 3: a lot of small mistakes that lead to large consequences,
32:25
Speaker 3: like over spending on a menu, you know when you're
32:27
Speaker 3: opening up, like you don't need that glossy menu. Let's
32:29
Speaker 3: get your business going first. But loss of operation costs
32:32
Speaker 3: is one of those things that like in Michigan, you
32:35
Speaker 3: would have like national emergencies on weather and you would
32:38
Speaker 3: have from snowstorms, you would have roads would be closed
32:40
Speaker 3: for a weakers, people couldn't get anywhere. Your businesses were closed.
32:43
Speaker 3: I mean, if you didn't have you know, the way
32:45
Speaker 3: that I looked at it at the time, with savings,
32:47
Speaker 3: but also you have to look at it as if
32:49
Speaker 3: you have an insurance policy that will make you hold
32:51
Speaker 3: on any of this stuff that you lose. And if
32:53
Speaker 3: you don't know how to how to get that or
32:55
Speaker 3: that it's even possible, like I didn't at one time.
32:57
Speaker 3: That's a whole area you could go out of business
33:00
Speaker 3: business where normally you wouldn't.
33:02
Speaker 4: Have if you recover correctly.
33:03
Speaker 5: I've seen it, yeah, yeah, for sure, I watched it firsthand.
33:06
Speaker 5: And you know, it's all about having the proper advisors
33:10
Speaker 5: right and having the adequate coverage. And it's it's as
33:13
Speaker 5: simple as fifty to seventy five dollars per months, so
33:18
Speaker 5: to think of it sometimes to cover everything, all of
33:22
Speaker 5: your livelihood right and your ability to earn an income,
33:25
Speaker 5: you know, and we you know you have to have
33:27
Speaker 5: these sorts of things right put in place prior to
33:31
Speaker 5: because after the fact it's too late.
33:33
Speaker 3: Well, I'll tell you what I want to do. We
33:35
Speaker 3: have about a minute left in the program. I want
33:36
Speaker 3: to put it to the test. I wanted to check
33:38
Speaker 3: out my situation. Mine's super easy. So I don't have
33:40
Speaker 3: any like I don't have any vacation properties or stuff like that.
33:42
Speaker 3: A couple couple of cars and a house and some
33:45
Speaker 3: stuff and We'll see how that goes, but I know
33:47
Speaker 3: that it's going to be good. Literally literally takes thirty second. Yeah,
33:50
Speaker 3: I'm going to look forward to it. I'll be able
33:51
Speaker 3: to walk folks through how that works the next time
33:53
Speaker 3: we come on. And as far as like an elevator pitch,
33:56
Speaker 3: as far as Capitol Insurance Group, Don Don Wilson's a
33:59
Speaker 3: Charleston product, It's been there forever, grew up in the valley.
34:02
Speaker 3: If you were talking to somebody on the street corner
34:04
Speaker 3: telling them about your business, how would you get him
34:06
Speaker 3: to give you a call?
34:06
Speaker 4: I would say.
34:07
Speaker 5: The first thing is, I'm the only endorsed insurance agent
34:09
Speaker 5: in the state of West Virginia by Dave Ramsey one.
34:12
Speaker 5: I'm eighteen years experience, and you can reach us at
34:14
Speaker 5: three zero four nine to nine three save or cigwv
34:18
Speaker 5: dot com.
34:19
Speaker 4: That's great information.
34:20
Speaker 3: So again that is three zero four nine none three
34:22
Speaker 3: save three zero four non none three save online at
34:25
Speaker 3: cigwv dot com. Cigwv dot com. Don Wilson comes in
34:29
Speaker 3: here every month and either on Tuesday or Wednesdays we're
34:32
Speaker 3: working on through the schedule. We can go to WHS
34:34
Speaker 3: network dot com slash expert and you can find our
34:36
Speaker 3: calendar of schedules up there, and you can find Don's
34:38
Speaker 3: next program up there. Then, Don, thank you so much
34:41
Speaker 3: for your time again today, had a great time, great discussion.
34:43
Speaker 3: Thank you so much for that having me glad to
34:44
Speaker 3: be here. Thanks a lot, We really appreciate that. That
34:46
Speaker 3: is Don Wilson from Capital Insurance Group once again CIGWV
34:50
Speaker 3: dot com. We'll take take a break, coming back after
34:53
Speaker 3: the news. At the top of the hour, Dave Allen
34:55
Speaker 3: will be here with five eighty Live. After that'll be
34:57
Speaker 3: Dave and TJ. That's Dave Wilson and TJ on talk Line,
35:01
Speaker 3: and then Dave Allen and Amanda Baron will be back
35:04
Speaker 3: this afternoon for midday, and then I'll be back this
35:05
Speaker 3: afternoon with Dave Weekly on Metro News Hotline. Have a
35:09
Speaker 3: great day, everyone, and thanks so much for tuning in.
35:11
Speaker 3: This is five ADWHS, the Voice of Charleston