#83 You May Be Covered by a Non-Admitted Insurer and Not Know It

#83 You May Be Covered by a Non-Admitted Insurer and Not Know It

Author: One Interesting Thing About Insurance August 27, 2025 Duration: 19:06

Robert is joined by Cece Denno, excess and surplus lines insurance market expert. The two talk about the interesting things E&S can cover that admitted carriers do not, the brokers that have special licenses in order to offer these E&S policies, and how some households and businesses may have coverage from a non-admitted carrier and not even realize it.

BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert’s live webinars. No test required for credit! BMFCE.com.

Check out Cece’s other podcasts here:

Ever wonder about the hidden rules that shape our everyday risks and rewards? One Interesting Thing About Insurance digs into exactly that, hosted by veteran insider Robert Uribe. This isn't a dry industry lecture; it's a collection of short, engaging stories and conversations that uncover the surprising, and sometimes downright strange, ways insurance logic touches everything. You'll hear about the peculiar clauses that govern your commute, the fine print behind a weekend hobby, or the historical quirks that built modern policies. Uribe frames each episode around a single, compelling concept, making the often-opaque world of premiums, liability, and claims suddenly relatable and consequential to your own world. The tone is curious and accessible, blending education with a light, conversational touch-think of it as learning the "why" behind the rules you live by, without the jargon. Tune in to this podcast for a unique perspective that connects the dots between the contracts we often ignore and the daily choices we all make.
Author: Language: en-us Episodes: 91

One Interesting Thing About Insurance
Podcast Episodes
#70 Inaccurate Driving Records and Auto Insurance Premiums [not-audio_url] [/not-audio_url]

Duration: 26:01
Robert and Da’Sha talk about her experience with Progressive Insurance after they claimed to have received an inaccurate report from LexisNexis. Calls to LexisNexis suggest they have the correct information on the driver…
#69 Airplane Crashes Causing Anxiety [not-audio_url] [/not-audio_url]

Duration: 21:00
Robert and Da’Sha talk about the recent airplane and helicopter crashes and how it is creating a lot of anxiety about flying. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listen…
#68 Separating Disaster Perils from Homeowners Insurance [not-audio_url] [/not-audio_url]

Duration: 16:27
Robert explores the idea of separating wildfire and other disaster perils from homeowners insurance policies. It already is common in Florida and coastal areas to separate wind from homeowners policies. Should we do the…
#67 Jewelry Insurance [not-audio_url] [/not-audio_url]

Duration: 24:02
Robert and Da’Sha talk about their Christmas gifts. If giving or receiving jewelry, is insurance something to consider? Is expensive jewelry covered by a typical renters or homeowners insurance policy, and if not, what e…
#65 Major Medical or Critical Illness? [not-audio_url] [/not-audio_url]

Duration: 24:36
Robert is dissatisfied with the medical insurance options during this open enrollment season and explores alternatives including critical illness insurance. BMFCE: Insurance producers and adjusters can earn insurance con…
#64 Thanksgiving Football [not-audio_url] [/not-audio_url]

Duration: 24:05
Robert and Da’Sha talk about the risks of playing football with friends and family on Thanksgiving. They also meander through topics like whether acupuncturists are doctors, the problems with finding affordable plans on…
#63 My Girlfriend’s Moral Hazard [not-audio_url] [/not-audio_url]

Duration: 20:14
Robert identifies a moral hazard in his girlfriend’s date night behavior. Are you the underwriter or the salesperson in your relationship? BMFCE: Insurance producers and adjusters can earn insurance continuing education…
#62 Adding a Domestic Partner to Your Insurance [not-audio_url] [/not-audio_url]

Duration: 21:19
Robert was invited to join his girlfriend’s health insurance plan, but they aren’t married. Is this even possible? It turns out that in Arizona it’s easier to share your health insurance plan than it is to share your Net…
#61 Pets are Insured Like Property [not-audio_url] [/not-audio_url]

Duration: 23:36
Robert and Da’Sha talk about pet insurance and the practicality of insuring a $1,500 dog against the possibility of a $20,000 cancer diagnosis. BMFCE: Insurance producers and adjusters can earn insurance continuing educa…