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Risk Intelligence

Risk Intelligence

By Karen Adamsbaum
Insurance is the necessary evil. We all need it, in some way or another. With 20 years of experience, Karen Adamsbaum will be sharing her knowledge, shedding light on common questions, coverage explanations, as well has conversations with her brokers, clients and business colleagues. Karen's goal with this podcast is to keep the insurance topic simple and educative.
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Season 3 - Episode 24 - I want a quote NOW…. How it really works
This episode I will speak about what is involved in getting a quote, and why NOW is not always the amswer.
04:52
March 23, 2022
Season 3 - Episode 23 - My favorite client
Everyone has their favorites.. here are mine
03:58
March 22, 2022
Season 3 - Episode 22 - I am back.. I took a break. Take a listen as to why.
We all at times hit a wall.. feel unproductive.. that is what happened to me, so I took a break, regrouped and now I am back.
03:54
January 02, 2022
Season 3 - Episode 21 - No matter what, we are all in the same boat
End of year crunch, rushing to get it done.. take a breath, slow down, we are are trying to do the same thing.
02:32
December 05, 2021
Season 3 - Episode 20 - The passion you have does show
When you are passionate about what you do, it shows in more way then one
04:58
December 05, 2021
Season 3 - Episode 18 - you have more coverage than you think
Most policies come with so many other coverages that you may not even know about. Best to review in detail.
02:57
November 15, 2021
Season 3 - Episode 19 - Do not leave your assets hanging.
In this episode I speak about the importance of letting your insurance broker when your assets have changed its location.
02:36
November 15, 2021
Season 3 - Episode 17 - Navigating the GIANT tradeshow in Vegas
This show was so big. I said to myself how am I going to get through this? After 3 full days I did it. Here my story on my success
06:23
October 26, 2021
Season 3 - Episode 16 - Trade Show Preperation.. Dont just attend as a lost soul.
This episode I review how I prepare for a trade show. Walking into a trade show unprepared like a lost soul is not productive.
04:12
October 19, 2021
Season 3 - Episode 15 - The false myth about flood insurance
The myth about flood insurance explained.
02:50
September 27, 2021
Season 3 - Episode 14 - Premium Relief explained.. anotherway of getting insurance cost ls reduced.
When your insurance premium has increased, there is another way to reduce costs besides just chaninv agents or insurance companies.
03:44
September 19, 2021
Season 3 - Episode 13 - Your efforts will pay off, never give up!
This episode I share my story, of keep on trying, hard works pays off. I am on cloud nine!
03:60
September 19, 2021
Season 3 - Episode 8 - Do something different.
Why do the same thing all the time.. change it up. Whether business or personal.. change can be fun.. 😊
02:18
September 12, 2021
Season 3 - Episode 12 - Appreciate and Brainstorm.. so simple…
When on vacation.. you are on vacation.. no work right? …. All you have to do is appreciate and brainstorm.. you will be amazed how great you feel… take a listen to my experience.
03:19
September 12, 2021
Season 3 - Episode 11 - How do you handle Social Media while on vacation
You want to be on vacation but you also want to stay in the game, be consistent.. here is how I do it…
03:18
September 12, 2021
Season 3 - Episode 10 - Be careful what you post.. underwriters do stalk!
This episode I speak about how underwriters are denying offering coverage due to social media posts.
03:21
August 08, 2021
Season 3 - Episode 9 - What is Causation and why it is important.
The term Causation has so much value in the insurance industry. This episode I will explain why
02:50
August 03, 2021
Season 3 - Episode 7 - Unique Situation - when there is a will there is a way.
In this episode I share a unique situation i had. When there is a will, there is a way.
03:20
July 20, 2021
Season 3 - Episode 6 - Who needs technology on the beach?
Time to recharge, so how do you do it? No need for texhnology on the beach, turn it off and recharge
03:18
July 19, 2021
Season 3 - Episode 5 - Auto Insurance for Business Owners
Those business owners who have a vehicle in business name need this certain coverage
02:31
July 11, 2021
Season 3 - Episode 4 - there is a mini life insurance within your auto policy
You have the option to include a mini life insurance policy within auto policy
02:55
June 23, 2021
Season 3 - Episode 3 - Everyones Personal Auto Policy - 2 coverages explained
2 very important coverages on your personal automobile policy explained - Underinsured Motorist and Uninsured Motorist Coverage.
03:31
June 16, 2021
Season 2 - Episode 34 - Thats a wrap for Season 2
Season 2 was recorded all during Pandemic. The show must go on. Looking forward to Season 3.
07:52
April 27, 2021
Season 2 - Episode 33 - I love when my screentime is down.. this is how I did it..
2 simple tasks to decrease your screentime... the world is not ending.. put down your phone
03:17
April 17, 2021
Season 2 - Episode 32 - Journaling is for Business also
Journaling is not just about the morning ritual you hear all the buzz about. Journaling can be for business as well. Hear how I embraced journaling for business
03:57
April 11, 2021
Season 2 - Episode 31 - What are your - Tools?
Every profession has tools.. most think of tools as a screwdriver. It is more than that. Take a listen to my thoughts about tools.
04:15
March 27, 2021
Season 2 - Episode 30 - Providing Options. Both the Seller and Buyer Benefit.
When providing Options both the seller and buyer benefit.
02:41
March 21, 2021
Season 2 - Episode 29 - Advantages of COVID
In this episode I speak of the advantage that the pandemic has on me from a business/work perspective
05:51
March 17, 2021
Season 2 - Episode 28 - With Visibility comes Success
With this episode I speak about my thoughts about how visibility can lead to success
04:23
March 10, 2021
Season 2 - Episode 27 - One to One with Digital Marketer - Matt Szostak
Marketing alone is a challenging career - now add digital to that.  Double the challenge.  Not for Matt, it is his forte'
15:51
February 27, 2021
Season 2 - Episode 26 - Comfort Zone - Get out of It
This episode speaks of 2 recent incidents that crossed my path - both of which made me realize the term "get of your comfort zone". 
04:37
February 02, 2021
Season 2 - Episode 25 - Stress, my experience and how I eliminated it.
Stress - we all experience it. However, is it really stress? Listen to my experience with stress and how I eliminated it
02:51
January 26, 2021
Season 2 - Episode 24 - What does Accounting and Nike having in common? Hear it within the Interview with Liz Capants.
Interview with Career Coach Liz Capants.  Our discussions include various ways to overcome the roadblocks of job interviewing.  
23:28
January 10, 2021
Season 2 - Episode 23 - Per Adam Connors - founder of NetWorkWise - there is no such thing as "Net-Fun-ing"
Adam and I met in July of 2020.  Our moons aligned.   Our discussion is about his journey and the importance of networking everyday. 
26:03
January 10, 2021
Season 2 - Episode 22 - Do you have a Brand Wedgie? Find out by listening to Interview with Tracy O'Shaughnessy
Tracy and I had a lot of fun with this interview.  She had a "simple" vision and bought it to life and started company.    I can guarantee we all know someone who has a brand wedgie.  
17:50
January 02, 2021
Season 2 - Episode 21 - No Matter Your Position - BE YOUR OWN CEO - Interview with Yvonne Dam
This episode I sit with Yvonne Dam - Business and Life Couch.     Her work stands out, as I constantly are seeing testimonials.   She listens intensively and helps you become your own CEO. 
18:16
December 14, 2020
Season 2 - Episode 20 - We are Competitors yet, we still help each other - Interview with Justin Goodman
Justin and I are in the same industry, we are competitors, yet we help each other.    
14:21
December 08, 2020
Season 2 - Episode 19 - Would you leave your front door open? Interview with Founder of REP - Tom Kowalski - as we discuss Cybersecurity
if you do not leave your front door open, why would you keep you cybersecurity door open.   This interview with Founder of REP, Tom Kowalski about Cybersecurity and how the industry has changed. 
27:37
November 30, 2020
Season 2 - Episode 18 - Interview with Jack Kroll - Cost Optimizer Consultant
I sit with Jack Kroll - Cost Optimizer Consultant - he speaks about how he helps firms review and cut costs for in various everyday costs.  A few are Edocs, Telecom, Merchant Services, Small Package Shipping  and Waste Removal. 
15:24
November 17, 2020
Season 2 - Episode 17 Interview with Teri DiGrande - Owner of State Farm Insurance Agency
Just 2 competitors yet partners in the insurance industry, Teri and I. 
09:20
October 31, 2020
Season 2 - Episode 16 - Stockton University - Cannabis Study Program
This podcast is with Mariah Duffey - who heads up the Cannabis Study Program at Stockton University.  
13:02
October 31, 2020
Season 2 - Episode 17 - The hidden coverage “Valuable Papers” within a Business Owners Policy
Most do not know they have coverage on your business ownrs policy that helps you restore your documents that were lost during a claim. This coverage is very crucial for attorneys and those in the medical field.
04:03
October 20, 2020
Season 2 - Episode 16 - Why the insurance industry gets a bad rap
During this episode I speak about some of the experiences my new clients have encountered from their prior agents and brokers.  Its no wonder why the insurance industry gets a bad rap. 
05:22
October 13, 2020
Season 2 - Episode 15 - Interview with Dr. David Cunic.
This episode discusses his thoughts on Cannabis Industry, Client relationships and his constant positivity in life.
21:02
October 06, 2020
Season 2 - Episode 14 - He just knew marketing was for him, hear the journey of Marc Mustachio
Marc and I talk about his interest in Marketing, and how he just knew it would be in his future.     We also discuss various insights that are happening within the Marketing Industry.
14:15
September 20, 2020
Season 2 - Episode 13 - Superman of the Insurance Industry - Tony Canas
Interview with Tony Canas, Superman of Insurance Industry Tony Canas.   How he started out in the industry and took it upon himself to take it to the next level.  Now he is Traveling all over giving key note speeches. 
22:33
September 08, 2020
Agency Nation - Play by Play on Starting Social Media and Digital Marketing for your Agency
Getting Started with Social Media and/or Digital Marketing can be challenging for Agency Owners and Partners.  With this podcast I will explain my journey on accomplishing this task.      
20:27
September 01, 2020
Season 2 - Episode 12 - If your premises is vacant, you may be without coverage
This episode speaks about the vacancy clause that are in homeowners, dwelling fire and commercial property policies.
03:44
August 20, 2020
Season 2 - Episode 11 - Interview with Eric Silverman - His Success by just "Changing the Verbiage"
Eric's describes his view on Voluntary Benefits and his career journey as to starting his firm called Voluntary Disruption.
17:10
August 16, 2020
Season 2 - Episode 10 - Marketing ideas from owner Chuck of Jersey Girl Brewery
This episode I sat down with onwer Chuck from Jersey Girl Brewery. We discussed the birth of the brewery and how he has had to pivit multiple times to stay on the game.
54:18
August 11, 2020
Season 2 - Episode 9 LLC vs Inc. relating to Workers Compensation
This episode I explain the pros and cons pertaining to LLC vs Inc. as it relates to Workers Compensation premiums.
03:13
August 04, 2020
Season 2 - Episode 8 - We all love to brag about our business but it will hurt you...
We all love to brag about our business but in the end it could have negative impact with insurance underwriters
03:20
July 28, 2020
Season 2 - Episode 7 - Final Day Preparation - We all need to do this
Discussions with Dina Koulosousas  - Elder Law and Trust Attorney -the importance of having all affairs in order in prepare of the final day.
09:06
July 21, 2020
Season 2 - Episode 6 - 3 ingredients for the Recipe of Success
With every dish, every cake comes those special ingredients that just make the dish.   Same holds true with Success.  This episode speaks those 3 ingredients. 
03:53
July 07, 2020
Season 2 - Episode 5 - Business Ideas - Where do you Start - with Nick Wagner
This podcast I sit down with Nick Wagner.   Anyone who follows Nick Wagner knows he is the mastermind of how to allow an idea in your head to come out so everyone can hear it.   He makes it seem so easy. 
16:19
July 01, 2020
Season 2 - Episode 4 - Don't cancel - Now more than ever - Management Liability Policies are needed
This episode speaks of how some business owners are looking to save costs on insurance coverage - the management liability polices such as Directors and Officers, Professional Liability and Employment Practices Liability are needed more than ever. 
12:04
June 23, 2020
Season 2 - Episode 3 - Legal and Insurance - 3rd party claims on horizon for Covid 19
For this episode attorneys Trish and Laura join me to speak about 3rd party claims that are on the horizon due to Covid 19.
14:08
June 14, 2020
Season 2 - Episode 2 - Finally some relief with Pandemic and Workers Compensation Rates
This episode speaks about the changes in rate structure due to Pandemic 
03:39
June 07, 2020
Season 2 - Episode 1 - Excited for Season 2 and Why I love what I do
They say you are not working if you love what you do.   I believe that statement 1000%
06:06
June 02, 2020
Special Edition - Brilliant Gen-Z-ers on the rise - Makin' Lemonade
I am super excited about this episode for a few reasons.   Two Gen-Z-ers, thinking out of the box by Makin' Lemonade and Gen-Z-ers are on the rise.
07:56
May 17, 2020
Season 1 - thats a wrap ----- Season 2 on the way
My journey for season 1... what I have noticed along the way.....
03:15
April 21, 2020
Episode 50 - Similarity with Pod-castors and Musicians
This episode about the commonalities between pod-castors and musicians - both are creative and able to speak their mind 
02:18
April 14, 2020
Episode 49 - Times of Crisis - Customer Service stands out
This episode speaks about the importance of Customer Service during times of crisis 
04:46
April 07, 2020
Episode 48 - Zoom-ing - what a great platform
Since COVID-19 Zoom as gained alot of momentum - my thoughts of other ways to use it 
04:09
March 31, 2020
Episode 47 - Coronavirus - Observe - Change
This episode speaks about how a situation can allow us to open our eyes, and maybe change is for the better
04:02
March 22, 2020
Episode 46 - Flood Insurance - Limits are important
This episode speaks about limits on your flood policy - there are certain limits allowed, so you have to be certain you have excess limits as needed.
29:58
March 16, 2020
Episode 45 - Keeping up with the times - importance of reading
This episode speaks about how its important to keep reading - learning one of the keys to success
05:16
March 07, 2020
Episode 44 - Audits for Workers Compensation Policies
This episode I speak about why the Workers Compensation Audits need to occur. 
03:51
March 01, 2020
Episode 43 - Malpractice Insurance - Defense Inside vs Outside
This episode speaks about what it means when you have defense inside vs outside on your Malpractice Insurance. 
03:13
February 25, 2020
Episode 42 - The birth of CannaRiskCon 1.0 - How it happened
This podcast tells the journey of how CannaRiskCon 1.0 was created. 
11:16
February 18, 2020
Episode 41 - Business Pet Peeves - We all have them
Everyday we have a routine..  some are our pet peeves, some are not.   We all have them. 
02:10
February 12, 2020
Episode 40 - Why is it called Sales and Marketing?
Just a brief conversation on my thoughts about the term Sales and Marketing. 
01:43
February 04, 2020
Episode 39 - Interview with Dan McManamon - Residential Loan Specialist
Discussions about Residential Loans to do those home projects -- they are not the same as a Equity Loan
11:06
January 22, 2020
Episode 38 - Are E&O, Malpractice and Professional Liability the same?
This episode speaks about E&O, Malpractice and Professional Liability terms - are they the same?
02:49
December 21, 2019
Episode 37 - Claims - it is so important to keep your agent involved
This episode speaks about the importance of that dreadful day you have a claim - and the importance of keeping your agent involved
02:30
December 21, 2019
Episode 36 - Change is hard - I share my personal story
First podcast of 2020 - Change is hard - I share my personal story
03:20
December 21, 2019
Episode 35 - Why the financial strength of an insurance company is important.
The episode speaks about why the financial strength of an insurance company is so important. 
03:29
December 21, 2019
Episode 34 - Ask your client - What do you want from me?
This episode speaks of assisting your client with their business plan - all you have to do is ask "What is it you want from me?"
02:20
November 17, 2019
Episode 33 - Foundation is the same with house/building and business
This episode speaks about the similarities with the foundation of a house/building and a business
02:45
November 17, 2019
Episode 32 - Change is doable - Interview with Sid Vaidya
Change is doable  - put your mind to it.....
12:04
November 17, 2019
Episode 31 - Thanksgiving 2019 - I am thankful for....
this episode expresses the thanks I have for my social media followers
01:40
November 17, 2019
Episode 30 - Time Management - Do you "wing" it?
This episode is a short except about Time Management - do you plan or wing it 
02:09
November 17, 2019
Episode 29 - Difference between an Insurance Agent vs Insurance Broker
What is the difference between the 2 - insurance agent and broker - the terms are use interchangably. 
02:12
November 10, 2019
Episode 28 - Tis the season of snow plow contracts
All building owners should be reviewing contracts and insurance that you snow plow contracts have
02:03
October 17, 2019
Episode 27 - "Attitude" such a strong word
A good attitude will take you FAR
02:18
October 17, 2019
Episode 26 - Sometimes we win.... Sometimes we lose
We cannot win them all - its ok to lose
02:15
October 17, 2019
Episode 25 - How many traveling Opticians do you know? Meet Michael Leff!
This episode is an interview with Michael Leff - a traveling Optician.  One of a kind!
08:28
September 24, 2019
Episode 24 - Interview with Mike Cavanaugh - Cyber Expert - Certified Ethical Hacker
This episode speaks of the importance of cyber insurance 
12:12
September 17, 2019
Episode 23 - I have an idea.... then crash and burn
This episode speaks about the importance of "following through".   "Following through" is what leads to success.   
02:28
September 14, 2019
Episode 22 - Why should I use you? What makes you different?
Practice, Practice, Practice - we should all do it, no matter what we do professionally
02:17
September 14, 2019
Episode 21 - Auto Insurance - the guy who hit me does not have auto insurance -- now what?
This episode speaks about 2 layers of auto insurance that most do not know that they may have.
02:13
September 14, 2019
Episode 20 - Interview with LinkedIn Keynote Speaker - Julbert Abraham
This episode is an interview with LinkedIn Keynote Speaker - Julbert Abraham
10:06
August 19, 2019
Episode 19 - Experience Rating Costs
This episode I will explain what Experience Rating Costs is and how it effects your Workers Compensation Premium 
02:37
August 17, 2019
Episode 18 - Its called net-"work"-ing" for a reason.
This episode I speak about how to Networking is working, and 3 simple takeaways
02:26
August 17, 2019
Episode 17 - Is the market "Hard" or "Soft"?
This episode speaks about what determines the competition in the insurance industry.
02:06
August 17, 2019
Episode 16 - Buyer or Sellers Market with Lou Pennacchio
Interview with KW Realtor Lou Pennacchio explaining buyers and sellers market in detail. 
08:44
July 24, 2019
Episode 15 - Kudos to Vertafore!
This episode will speak about the computer software and insurance industry - the player for both - Vertafore! 
03:15
July 21, 2019
Episode 14 - Are you a "quiet" or "music" person?
This episode discusses your preference when you need to be in the "mode".  Do you like "quiet" or "music"?
02:18
July 21, 2019
Episode 13 - Are websites ADA compliant?
This episode will speak about the importance for websites to be ADA compliant. 
02:14
July 21, 2019
Episode 12 - Why Driving Records are important
This episode will speak about why we run driver MVRs ( motor vehicle reports) 
01:51
June 22, 2019
Episode 10 - What the heck are loss runs?
This episode will explain what "loss runs" are.  
01:53
June 22, 2019
Episode 11 - Employment in the Cannabis Industry
Podcast with Mike Waranch and Alex Trakhtman of Seed Staffing discussing the employment opportunities in the cannabis industry.
10:34
June 08, 2019
Episode 9 - Linkedin Connection - Getting to know Sid
Sid and I met on Linkedin.    During this podcast we are getting to know each other during our first meeting together 
08:23
June 08, 2019
Episode 8 - But I don't wanna Plan and Organize
This episode I will speak about my thoughts about planning and being organized
04:23
May 26, 2019
Episode 7 - What do you mean the market is "blocked"?
This episode I will explain what it means when a broker is "blocked" from the market
02:44
May 26, 2019
Episode 6 - Got Rope? Identity Theft
This episode will speak about my personal experience with Identity Theft
02:31
May 26, 2019
Episode 5 - Why the price swing between insurance companies?
This episode will speak about one of the many reasons there is a price swing amongst insurance companies. 
03:07
May 15, 2019
Episode 4 - EPLI coverage with Charlie Sturm
This episode will include EPLI discussions with Charlie Sturm,  a management liability broker I work with. 
10:22
May 15, 2019
Episode 3 - The involvement of quoting a risk
Often I get calls, why can't you just give me a quote?, why do you need all of this information?.  This episode speaks about the involvement of quoting a risk. 
03:23
May 15, 2019
Episode 2 - Contractors are stuck......
NJ Contractors are in a tough spot, they are damned if they do not get Workers Compensation coverage, and damned if they do........
03:10
May 02, 2019
Episode 1 - How I got here
This episode is to share my journey as to how I got to do this podcast
03:10
April 23, 2019