Show Notes
Welcome to the Insurance vs History Podcast! In my fourth episode, I investigate how insurance saved San Francisco after the Great earthquake—or the Great Fire, depending on who you ask--almost destroyed the city entirely. Join me to learn about mitigating risk through policy wording, the concept of "directly or indirectly", and why building a city by creating land from the bay was a terrible idea. Selected Links: The Great 1906 San Francisco Earthquake (usgs.gov) San Francisco 1906 Earthquake - Lloyd's (lloyds.com) The San Francisco disaster : honest and dishonest insurance/ speech of Julius Kahn, of California, in the House of Representatives, Thursday, June 28, 1906. (berkeley.edu) Museum of the City of San Francisco (sfmuseum.org) Online Exhibit - Introduction - San Francisco Earthquake and Fire - The Bancroft Library - University of California, Berkeley Online Exhibit - Buildings Sank Like Quicksand - San Francisco Earthquake and Fire - The Bancroft Library - University of California, Berkeley—photos shows the Valencia Hotel after sinking. Whoa. Online Exhibit - Burned Districts of San Francisco - San Francisco Earthquake and Fire - The Bancroft Library - University of California, Berkeley Photos shows the map of the burned areas of SF.
(99+) (PDF) Earthquake versus Fire: The Struggle over Insurance in the Aftermath of the 1906 San Francisco Disaster | Eleonora Rohland - Academia.edu article about Reinsurance and the attempt to introduce a standardized earthquake clause Six-20Bits-20or-20Bust-20Insurance-20Litigation.pdf (pillsburylaw.com) Books: com: Seismic City: An Environmental History of San Francisco's 1906 Earthquake (Weyerhaeuser Environmental Books): 9780295742465: Dyl, Joanna L., Sutter, Paul S., Sutter, Paul S.: Books Disaster! The Great San Francisco Earthquake and Fire of 1906: Kurzman, Dan: 9780061051746: Amazon.com: Books Hire These People: My audio editor, and AMAZING Voice Over Actor—who did all the VO for this episode: Zach Stinnett Music Credits: Boulangerie by Jeremy Sherman, courtesy of NeoSounds: Boulangerie, LynneMusic | NeoSounds music library Contact Me: [email protected]
More from Insurance Vs History
Ever wondered how insurance intersects with slavery in America? My latest episode of Insurance vs History dives into the world of life insurance and American slavery. I'll reveal how life insurance on enslaved people helped historians and genealogists uncover stories that few textbooks ever mention. From lost documents to innovative legislation, we'll explore the surprising ways insurance records have brought new transparency to America's past.
Insurance Festivus: Real Grievances, 23 and Me Updates, and Tesla Turmoil Happy Festivus—it's time to air all our insurance grievances! Featuring real listener comments, updates on the 23andMe bankruptcy (cyber insurers, anyone?), and the wild world of Tesla Insurance, this is a great way to close out the year. Selected References: https://apnews.com/article/whistleblower-china-surveillance-tech-silicon-valley-adbd0bcfbb0892bfcb85948acb3f515f https://www.reuters.com/legal/government/tesla-insurance-unit-sued-over-alleged-auto-coverage-underpayments-2025-11-05/ Hire me to speak at your meeting! I can talk about the topic of your choice, or I can talk about the history of insurance and why insurance matters. Reach out for booking info or just to connect at [email protected] Help keep independent podcasts going by contributing to my production costs: See my page at Buy Me a Coffee: Insurance vs History is Exploring all the ways Insurance changed History...or failed to. Website: www.insurancevshistory.com Email: [email protected] LinkedIn: www.linkedin.com/in/meredithbrasher Music Credits: Boulangerie by Jeremy Sherman, courtesy of NeoSounds: Boulangerie, LynneMusic | NeoSounds music library
Insurance CEO Pay: What's Fair, What's History, and What's Next? I started trying to answer one question: is Insurance CEO pay fair? and ended up with a massive project. In this episode, I dig into the history of executive pay, share eye-opening stats from AIG, and ask for your help with figuring out who gets paid what and how that's changed over time. Plus, submit your insurance grievance for inclusion in my holiday Festivus episode! Selected References: 1. https://www.insurancejournal.com/magazines/mag-features/2025/06/16/827459.htm 2. https://www.insurancebusinessmag.com/us/guides/insurance-ceo-salary-how-much-do-executives-of-the-top-insurers-earn-467192.aspx 3. https://consumerfed.org/press_release/insurance-ceos-get-27-salary-and-bonus-bump-while-consumers-see-premium-hikes-and-non-renewals/ 4. https://www.businessinsurance.com/gallery/highest-paid-insurance-executives-2025/ 5. https://www.spglobal.com/market-intelligence/en/news-insights/articles/2025/8/neuehealths-mikan-tops-insurtech-ceo-pay-list-in-2024-92202141 6. https://www.spglobal.com/market-intelligence/en/news-insights/articles/2025/8/arch-capitals-papadopoulo-tops-pc-insurer-ceo-pay-list-in-2024-92167011
Is Your DNA Safe? Inside 23andMe's Bankruptcy and Insurance Challenges What happens when a company owns your DNA data—and then goes bankrupt? In this episode, I dive into the complicated story of 23andMe, exploring its insurance challenges, genetic data risks, privacy concerns, and the ongoing impact for consumers in today's health and insurance landscape. If you have data with 23andMe or any other consumer focused genetic data company, I strongly suggest you listen. Selected References: https://www.inc.com/magazine/201510/jeff-bercovici/the-dna-whisperer.html 23andMe, Antonio Regalado, MIT Technology Review, Volume 119, No. 4 https://www.fastcompany.com/3052283/how-ceo-anne-wojcicki-turned-23andme-around-after-falling-out-with-the- https://restructuring.ra.kroll.com/23andMe/ (Bankruptcy Documents) Hire me to speak at your meeting! I can talk about the topic of your choice, or I can talk about the history of insurance and why insurance matters. Reach out for booking info or just to connect at [email protected] Help keep independent podcasts going by contributing to my production costs: See my page at Buy Me a Coffee: Insurance vs History is Exploring all the ways Insurance changed History...or failed to. Music Credits: Boulangerie by Jeremy Sherman, courtesy of NeoSounds: Boulangerie, LynneMusic | NeoSounds music library Email: [email protected] LinkedIn: www.linkedin.com/in/meredithbrasher
Tesla's Insurance Gamble: Why Cheaper Isn't Always Better (& What History Teaches Us) Why would Tesla get into the insurance business, and is it really a new idea? In this episode, I explore Tesla's foray into insurance, the bumps they've hit along the way, and why history shows automakers rarely succeed with insurance. Selected References: 1. https://www.propertycasualty360.com/2025/10/06/tesla-insurance-in-trouble-for-claims-mishandling/?kw=Tesla%20insurance%20in%20trouble%20for%20claims%20mishandling&utm_source=email&utm_medium=enl&utm_campaign=newsroomupdate&utm_content=20251006&utm_term=pc360&oly_enc_id&user_id=29a99e396b51ff1e37567d2fe2ef4b2d7540d4c206a60ee86a83e02abf0199f8 2. https://www.insurance.ca.gov/0400-news/0100-press-releases/2025/release064-2025.cfm 3. https://www.reuters.com/investigates/special-report/tesla-insurance/ 4. https://www.insurancebusinessmag.com/us/news/auto-motor/why-has-tesla-insurance-fallen-short-for-some-customers-471754.aspx 5. https://www.insurancethoughtleadership.com/six-things-commentary/why-tesla-insurance-will-flop Hire me to speak at your meeting! I can talk about the topic of your choice, or I can talk about the history of insurance and why insurance matters. Reach out for booking info or just to connect at [email protected] Help keep independent podcasts going by contributing to my production costs: See my page at Buy Me a Coffee: Insurance vs History is Exploring all the ways Insurance changed History...or failed to. Music Credits: Boulangerie by Jeremy Sherman, courtesy of NeoSounds: Boulangerie, LynneMusic | NeoSounds music library Email: [email protected] LinkedIn: www.linkedin.com/in/meredithbrasher