Wolf of Property Casualty
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- Indexed episodes, last 90 days
- 27
- Latest publication
- Sep 29, 2026
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- Earliest in this view
- Jul 5, 2026
Latest episodes
Stock Sale or Asset Sale? (opens the original)
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Buying a company? The first question any insurance professional should ask is: stock sale or asset sale? In this episode of The Wolf of Property & Casualty, Derek Laczniak breaks down how deal structure changes the insurance conversation for buyers, sellers, and the brokers who serve them. He walks through why buyers push for asset sales and sellers push for stock sales, and what each means for the insurance program. In this episode: Why "just add it by endorsement" can get you non-renewed Why a
Inside Insurance Producer Pay: Bands, Draws & What Nobody Explains (opens the original)
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Derek's been fielding compensation questions from brokers nationwide lately — especially with the USI/Aon deal shaking up the industry — so this episode breaks down exactly how insurance producers get paid. No advocacy for one structure over another, just the real mechanics. Inside this episode: • The three types of commission "bands" — new business, renewal, and inherited/transferred accounts • Why new business typically pays 25–50% vs. 15–30% at renewal • How "draws" work for new producers (th
Commissions to Convictions: The Mess Hall (opens the original)
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Derek shares the "mess hall" lesson from a former mentor: the peer group you talk with — good or bad — shapes what you end up believing. He traces it from his three and a half months in county jail, where ten minutes at the wrong table can turn you against people who turn out to be nothing like the reputation, to the negativity bandwagon he sees among producers and managers in insurance sales orgs. A reflection on association, gratitude, and controlling what you let echo in your own mess hall.
The Four Indexes That Beat Any Carrier's "6% Trend" (opens the original)
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Carriers can't get rate in today's soft property market — so they're going after values instead. Derek walks through how to use four independent construction cost indexes to challenge inflated trend assumptions from underwriters, plus his take on why 90% (not 100%) insurance-to-value is often the right call for accounts with a spread of risk.
Don't Ignore a CRIT or pick a fight with the bureau (opens the original)
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A workers' comp "crit" might seem like a minor administrative issue. It isn't. In this episode of Wolf of Property & Casualty, Derek breaks down what a criticism letter actually is, why workers' compensation bureaus issue them, and why brokers should take them far more seriously than the dollar amount of the potential fine might suggest. Derek walks through how workers' comp class codes are monitored, how payroll can be moved into a higher-rated classification, and what happens when a state bure
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