Show Notes
Dan Bratshpis, CEO and Co-founder of INSHUR, joins host Rob Galbraith to discuss how commercial auto insurance is being reimagined for the platform economy — and why traditional products are failing the drivers powering the gig economy. Dan built INSHUR from a two-person MGA startup into a 200-person global company operating across the US and UK, with embedded insurance partnerships with platforms like Uber, Amazon, and DoorDash. His approach: build coverage that works with how people actually live and work, not how insurers traditionally categorize risk. In this episode: Why traditional commercial auto products fall short for gig and platform workers How INSHUR embeds insurance directly into platform onboarding — and what that data advantage means for underwriting The usage-based wallet model: pay-per-ride, pay-per-delivery, pay-per-minute How COVID wiped out rideshare demand overnight — and became the pivot that launched INSHUR's delivery insurance Why INSHUR built Komodo Claims from scratch instead of outsourcing to TPAs What autonomous vehicles mean for frequency, severity, and the future of commercial auto insurance Key Quotes: "What doesn't kill you makes you stronger." "Technology is an enabler to do things differently, do things better." "Claims is kind of at the heart of insurance." "These things don't get into accidents nearly as much as humans do." — on autonomous vehicles "Insurance is a really big part of protecting this new economy." Timestamps: 09:05 — The wedding night pitch that launched Columbia Pacific Finance (placeholder — update with actual) 10:55 — From Wall Street to rideshare insurance (placeholder — update with actual) 19:13 — The COVID cliff: how INSHUR pivoted to delivery insurance overnight 23:49 — Building Komodo Claims: why INSHUR owns its claims infrastructure 26:22 — Autonomous vehicles and the frequency drop coming for commercial auto 🔗 Connect: Dan Bratshpis: https://www.linkedin.com/in/dan-bratshpis/ INSHUR: https://inshur.com/ | https://www.linkedin.com/company/inshur/ 👥 Host: Rob Galbraith: https://www.linkedin.com/in/robgalbraith1/ 🎙️ This episode is sponsored by Terra — the next-generation claims and policy software for Workers' Comp. Visit 👉 https://terra.insure 📲 Find InsurTech Geek: LinkedIn: https://www.linkedin.com/showcase/insuretechgeek/ Twitter/X: https://twitter.com/InsurtechGeek Instagram: https://www.instagram.com/insurtechgeek/ Subscribe, rate, and comment. As always — Enjoy the Ride & Geek Out! 🤓
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Ken Bunn, Vice President of Claims at Builders Mutual Insurance Company, joins hosts James Benham and Rob Galbraith to explore how a construction only Southeast insurer built its claims department from scratch, why the AI tools that stick are the ones adjusters never have to think about, and what it takes to keep training junior adjusters into seniors.Ken's path ran through 18 years at Nationwide, rotating between claims leadership, field training, and IT program management, before Builders Mutual asked him to build a claims department that didn't exist yet. Twelve years later, the company has grown from roughly 200 million to 650 million in revenue, and Ken still leads much of the original team he brought over from an outsourced TPA.In this episode:• Why Builders Mutual pulled its claims department in-house, and how they kept close to 30 of the original 40 people they brought over. • The predictive AI models that worked exactly as designed and still failed to stick. • The unglamorous automation, document routing, indexing, and med record summaries, that actually delivered the ROI. • Ken's leadership philosophy for change management with no formal program at all. • Why work comp rate softening may be hitting a floor as catastrophic claims costs climb. Key Quotes:"You can't work on an assembly line and do brain surgery at the same time." "It's not going to solve all your problems. It's going to help." "There might be something wrong when your claims adjusters are the happiest people in the room." "Be real. Tell people what's going to happen and why you're doing it." "Pick and choose your tools well so they inform the adjuster, not just replace them."🔗 Connect:Ken Bunn: https://www.linkedin.com/in/kenbunn/Builders Mutual Insurance Company: https://www.buildersmutual.com | https://www.linkedin.com/company/builders-mutual-insurance-company👤 Hosts:James Benham: https://www.linkedin.com/in/jbenhamRob Galbraith: https://www.linkedin.com/in/rob-galbraith/🎙️ This episode is sponsored by Terra, the next-generation Workers' Comp and Commercial P&C Software.Visit 👉 https://terra.insure / https://www.linkedin.com/company/terrainsure/📌 Find InsurTech Geek:LinkedIn: https://www.linkedin.com/showcase/insuretechgeek/Twitter/X: https://twitter.com/InsurtechGeekInstagram: https://www.instagram.com/insurtechgeek/Subscribe, rate, and comment. As always, Enjoy the Ride & Geek Out! 🤓