Beyond the Premium: Real Talk on Risk, Coverage & Value

This webinar is about how the insurance marketplace has changed for everyone: agents, carriers, and, most importantly, insureds. Risks look different, policies are more complex, and pricing pressure can hide real gaps in protection. This session gives practical guidance you can use right away to make better decisions and get more value from your coverage.

Key takeaways

• What’s changed: New exposures, shifting underwriting, and how today’s market affects your options.
• Price vs. cost: Why the cheapest policy can be the most expensive mistake.
• AI hallucinations and bad advice: What to trust online and when to call your agent.
• From simple to complex: Why insureds play a bigger role now and how to engage effectively.
• Push back (productively): How to question coverage and get clarity without burning bridges.
• Trusted advisor value: What good agents do differently and how to spot them.

• Business owners, risk managers, CFOs, and anyone responsible for insurance decisions
• Agents and brokers looking to improve client conversations
• Individuals who want confidence in their personal insurance choices

• Lynn Sturla, Owner, Sturla Insurance Agency
• Scott Henman, Commercial Lines Advisor, Farm Bureau Insurance of Michigan