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Insurance Town
Heath Shearon
304 episodes
2 days ago
Welcome to Insurance Town! Your host is the Mayor of Insurance Town, Heath Shearon. After many years in different parts of the insurance world, Heath wants to share his experience with you. Join in on conversations with Heath and many of the friends he's made along the way. Insurance Town is a production of Insurance Town LLC! Find more info at http/://www.Insurancetownpodcast.com Music: "Mornin, Noon, and Nite" by Daddy Long Legs
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Business
Education,
How To
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All content for Insurance Town is the property of Heath Shearon and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
Welcome to Insurance Town! Your host is the Mayor of Insurance Town, Heath Shearon. After many years in different parts of the insurance world, Heath wants to share his experience with you. Join in on conversations with Heath and many of the friends he's made along the way. Insurance Town is a production of Insurance Town LLC! Find more info at http/://www.Insurancetownpodcast.com Music: "Mornin, Noon, and Nite" by Daddy Long Legs
Show more...
Business
Education,
How To
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Hard to Place, Easy to Profit: The Art of Captives
Insurance Town
1 hour 2 minutes
1 month ago
Hard to Place, Easy to Profit: The Art of Captives

In this episode, the Mayor sits down with industry veteran Jeff Kleid  a 30-year insurance innovator, MGA, and carrier leader  to talk about the business of hard-to-place risks, the truth about captives, and how brokers can turn complex accounts into profitable opportunities.

From selling insurance on the internet in the ‘90s to building niche programs for cannabis, film, and trucking, Jeff shares real-world lessons about taking chances, trusting data, and transforming the way independent agents think about risk.

In this episode, we discuss:

  • The evolution from retail broker to MGA and carrier
  • Why most agents misunderstand captives (and how to use them right)
  • Building programs for high-risk industries like towing and hemp
  • How to niche down without boxing yourself in
  • The role of AI in underwriting and program innovation

Key Takeaways:

  • Don’t fear the hard-to-place — that’s where opportunity lives.
  • Captives aren’t restrictive; they empower growth and control.
  • Niche success is built on relationships and risk awareness.
  • AI is a tool, not a replacement — human insight still wins the day.

Connect with Jeff Kleid:

  • LinkedIn: linkedin.com/in/jeffkleid

  • Email: jdkleid@eliterisk.com

  • Website: eliterisk.com


Special Thanks to Our Sponsors:
🧡 Smart Choice – The fastest-growing agency network helping independent agents write more business and earn more income.
🔗 Canopy Connect – The easiest way to collect your client’s insurance information in seconds.


Insurance Town
Welcome to Insurance Town! Your host is the Mayor of Insurance Town, Heath Shearon. After many years in different parts of the insurance world, Heath wants to share his experience with you. Join in on conversations with Heath and many of the friends he's made along the way. Insurance Town is a production of Insurance Town LLC! Find more info at http/://www.Insurancetownpodcast.com Music: "Mornin, Noon, and Nite" by Daddy Long Legs