HeyJaredAdvocate Insurance Desk
Welcome to the Advocate Insurance Desk Podcast 🎙️We break down insurance compliance, risk, and pricing across commercial real estate using real data from Advocate's Market Terminal, not anecdotes.
- Indexed episodes, last 90 days
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- Sep 23, 2026
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- Jul 8, 2026
Latest episodes
Same Building, Double the Price: The Multifamily Property Insurance Gap (opens the original)
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Two multifamily buildings in the same county, matched on size, age, rebuild cost, policy structure and perils, price within 3% of each other at the same carrier. At different carriers, they price about two times apart. The gap is widest inland, not on the coast. St. Louis tops the table at 6.92x, 557 miles from salt water. After 20 years of hurricane modeling, coastal wind is the peril carriers agree on. Hail and severe convective storm are where they don't. In this Data Pulse, Katie walks throu
The Riskiest Property Market in America Is Getting Cheaper (opens the original)
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Every property owner who got a softer renewal quote this year assumes the market forgot about the storms. The data says the storms never reached the people who set the price. In this episode, Katie Dowson and Grace Schmidt take one contradiction apart. Industry figures from Gallagher Re put US severe convective storm losses above 35 billion dollars year to date, across six separate billion dollar outbreaks, and we are only in August. Commercial property rates have been falling that entire time.
What Florida's Excess Layer Actually Costs: Multifamily Liability (opens the original)
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Everyone benchmarks the primary layer, because primary is the easiest number to get hold of. It is also the one layer where Florida looks unremarkable. On an ordinary Florida garden style program, roughly nine tenths of what the state costs you over anywhere else is sitting above primary, in the layer almost nobody benchmarks. This week Katie Dowson and Grace Schmidt run a data pulse on Florida multifamily liability using the Advocate Market Terminal: where the national market stands in mid Augu
What California's Last Resort Actually Costs: Multifamily Property (opens the original)
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California's insurer of last resort is the most expensive option on the board in multifamily property. The FAIR Plan sits at 62.8 cents rate on line over the trailing twelve months. Lloyd's, writing the same segment on the surplus lines side, sits at 20.8. The story in the trade press this month is that the standard admitted market is returning to California. The terminal data says the return has not happened yet, and that when it arrives it is priced above what is already available in the state
AI Adoption at a 1,500 Person Agency with Ryan Deeds (opens the original)
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Every agency leader who has watched an AI rollout stall assumes they bought the wrong tool. Ryan Deeds thinks they had the wrong problem. In this episode, Katie and Grace sit down with Ryan Deeds, Head of AI at ALKEME Insurance. Ryan has spent 25 years inside agency data, through retail brokerages, a conglomerate of more than 100 US and European agencies, before taking on AI across a 1,500 person organization. His argument is that technology stopped being the constraint a while ago, and what rep
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