Bradley Flowers
@Bradleyflowers7
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Founder of Portal Insurance. We insure CRE & 🛻’s. Host of The Insurance Guys Podcast. 2 Exits, 1 as a Founder 1 as an Investor. Opinions are not my own
Mobile, AL
Joined September 2014
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The average person stays at a job 4.3 years now.
One huge mindset shift we made at Portal was to manage, hire, promote and train from this angle.
ie How do we build people up so Portal is a huge launchpad for them and their career.
The result is people love being apart of
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@JoePompliano
@_SportsBall_
Monaco is an incredibly tight street circuit with virtually no overtaking opportunities. If you get pole, you have to make a big mistake to not finish first.
Past champion Nelson Piquet once described Monaco as like riding a bicycle around your living room.
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USAA is the biggest farce in the history of insurance.
They only sell their insurance products to veterans and families of those veterans.
They make it seem like they are getting access to something special.
The special thing they get are super high rates and average
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Your insurance didn’t go up bc insurance companies are greedy and wanted to line their pockets.
Your insurance went up bc insurance companies are losing money and trying to stay afloat.
+ ambulance chasing injury attorneys and predatory roofers.
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USAA is the biggest farce in the history of insurance.
They only sell their insurance products to veterans and families of those veterans.
They make it seem like they are getting access to something special.
The special thing they get are super high rates and average
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@RobertFreundLaw
If I've fired someone, the last thing I want to do is post about it on social media.
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Blood sucking Attorneys + Blood sucking roofers + hurricanes = Florida’s current insurance rates.
The hurricanes being the least of the issues here.
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@ChileG5
It’s bc of this. It’s easier to get someone to leave a cult than leave USAA
@Bradleyflowers7
it's true. They overcharge and people stay because they somehow think it's "patriotic". It's a money making scheme designed to make members feel they are being un patriotic if they go to Geico or State Farm. In the meantime, they are ridiculously overcharged.
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Your insurance didn’t go up bc insurance companies are greedy and wanted to line their pockets.
Your insurance went up bc insurance companies are losing money and trying to stay afloat.
Inflation + cost of materials + ambulance chasing injury attorneys + roofers= current
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Hot take
I regularly tip 25-30% at restaurants and in situations where I receive service
However, I am sick of being pressured in to tipping in situations that absolutely, positively do not call for it…where zero service was received.. in order to make up for companies not
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Until you’ve seen:
A mother and her kids placed in a new house after a house fire.
A business who was able to keep all of their employees on payroll without having to work after a hurricane.
Someone successfully defended from being accused of something awful.
A widow
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@roblabonne
Better idea. Buy a used Tesla that already has FSD, it basically adds no value to the car but the software transfers with it.
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I was completely caught off guard and totally honored to be asked by Will and the fine folks at Independent Insurance Agents and Brokers of America to be on the cover of their November issue of Independent Agent Magazine, a magazine which goes out to basically every independent
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@AmandaMGoetz
@NatrianMaxwell
A lot of folks do. It’s just the victim mentalities that are the loudest….
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Do I need to claim Zelenskyy as a dependent on my taxes?
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If your roofer tells you that you don’t have to pay your deductible… that’s insurance fraud.
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@GuyDealership
Injury attorneys
+
Inflation
+
More expensive parts and tech in the cars.
=
the current state of auto insurance.
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In 2023 Lemonade grew its customer base by 219,370 customers.
Their average premium per customer of $369.
That's $80,947,530.
They spent $102,000,000 on sales and marketing (a 26% decrease from 2022).
DTC companies (including Lemonade) like to say that because they don't
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Yesterday, I sent an LOI for an out of state agency we are trying to purchase.
This morning I’m sending a job offer to a producer in another state we want to expand to.
This afternoon, I will cut a large check for the proprietary tech we built for our agency to make our
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Super excited to announce that our podcast, The Insurance Guys Podcast has surpassed 1 million streams on Apple Podcasts!
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Many real estate investors shoot themselves in the foot when buying coastal property.
Here’s how:
The insurance.
If you are a real estate investor who isn’t located in a coastal region but are buying coastal property or thinking about it, this is for you.
Here’s what
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Every insurtech carrier within 1-2 years of launch:
“We only sell direct to consumer so we don’t have to pay commissions to agents”
Every insurtech carrier 3 years later:
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@jeremyjudkins_
I charge my Tesla every night to 85-90% and it’s cost me roughly $30 a month or $1 per tank of “gas”.
I love when Tesla haters say bUt YEr pOWer bILL iS gOINg tO go UP
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I’ll offer $1000 to the insurance agent who handles this claim to come on the Insurance Guys Podcast.
Driver who struck Biden’s Delaware motorcade charged with DUI
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If the average insurtech bro spent a week at my agency (or any for that matter) they would have a shocking realization that disruption isn’t going to be as easy as they thought and that they barely have scratched the surface.
No that’s not an open invite.
Insurance is the easiest business anyone who hasn't worked in it has ever seen.
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As insurance markets get tougher, more business is going to E&S carriers, and our team at Portal is no exception, especially in coastal areas.
I don't brag much, but there probably isn't an agency our size that's as good at E&S as we are..
Here's a snapshot into our E&S
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Every insurtech carrier within 1-2 years of launch:
“We only sell direct to consumer so we don’t have to pay commissions to agents”
Every insurtech carrier 3 years later:
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My thoughts on what's going on with Nationwide Insurance 👇🏻
First, I would like to say that this is just complete speculation on my part.
I have no inside intel and my agency only writes with Nationwide through a market access agreement meaning I am twice removed from dealing
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Agents, if we expect our carriers to update their tech YOU have to stop using internet explorer. This is my Ted talk, thanks.
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Ladies if he:
-Always answers your calls
-Is concerned about your well being
-Answers the tough Questions
-Cares about your family
-Wants to meet your friends
-Asks for your address
He’s not your man. He’s your insurance agent.
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The “insurance is a scam” crowd is really vibrant this morning…
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Super excited for this event with
@garyvee
use the code “insuranceguys” at checkout for 20% off
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Types of insurance agents. Retweet and comment your fav.
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It’s crazy that I can order a pizza from dominos and tell you exactly when it’s going to be done and who’s working on it.
But I have to go to 17 different websites to get something done for my client.
Pizza co’s are more connected than insurance agents to carriers.
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Hey insurance carriers
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This dude right here. Thanks for all you do for the industry
@ParadisoPresent
and sticking up for agents.
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“Dad what was the 2019-2020 soft insurance market like?”
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Florida’s insurance market is in shambles.
Carriers are refusing to write and rates are through the roof.
But contrary to popular belief, Florida doesn’t have a hurricane problem. It has at attorney problem.
Here’s my 3 step process to fix the Florida insurance market. 🧵
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After several years of frustrations with the carriers that Portal Insurance represents we have finally pulled the trigger on building our own personal lines rater.
We are starting with 6 of our home carriers. YTD our team has spent 192 hours quoting these carriers this year.
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People in BNI groups should have to disclose that the referral they are giving you is from a referral group they are in….
And that the referral is forced rather than from someone they would actually recommend if they were not in said cult.
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This may trigger some of you
Nepotism is normal
If I have the chance to help a family member or a total stranger, I'll pick the family member every time
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Wife and I had our second boy this week.
I feel like we have it down to a science.
But for the new parents on X, share your best new baby advice in the comments.
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Actual Conversation That Just Happened
Carrier: We need you to download this form and fax it to us.
Me: I cant believe you guys are still using fax
Carrier: (kind of in a scolding tone) Yes since the form has your confidential information fax is the most secure way to send
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Every time an insurtech founder talks about how they are disrupting the industry while simultaneously doing absolutely nothing different than established insurance carriers… an angel loses its wings….
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I figured insurance twitter would like this.
An old printing device for a certificate of insurance.
Here’s an important question….how many agencies are still using something like this?
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More insurance carriers should focus relentlessly on the customer
Apple wins because it is obsessed with pleasing customers
Same with Uber, same with Amazon.
The customer should always come first
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Agents...during these difficult times remember which carriers treated you right and reasonably when they come back asking for business in 2 years.
Carriers..see above.
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Fun fact:
I haven't worn anything but
jeans since January 8th, 2019 the day I quit my job…
Including this trip to Lloyds last March…
Another Fun fact:
Portal has sold more insurance in 4 years than I ever thought imaginable.
Another Another Fun Fact:
Our office dress
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Injury attorneys
+
Inflation
+
More expensive parts and tech in the cars.
=
the current state of auto insurance.
Auto insurance premiums are at all-time highs.
BUT my bet is that they will rise even further.
It's not rocket science—It's data:
Today, a record 14% of drivers do not have car insurance.
Un-frickin-insured.
Craziest part? That number is up nearly 30% since 2019 (!)
But
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Thoughts and prayers go out to
@paradisoins
on the loss of his father. I always enjoyed talking to Mr. Paradiso, he was full of wisdom!
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Carrier: We want business!
Also Carrier: No not that way. No not that way either. Also, not that other way.
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With tropical storm
#ian
looming in the gulf. I thought I would share the Portal Insurance 7 step catastrophe claims process.
Steal it, copy it, rip it off because it works and will get your client’s claims on the right path.
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My wife is so much better looking than me that the cashier put the plastic divider between our groceries today
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Had a carrier CEO show up at the office today.
When he walked in I was wearing a hoodie, running shoes and had 1/2 of a a chicken tender hanging out of my mouth.
He sat down, chit chatted, told me he was giving me an appointment, shook my hand and left.
Game recognizes Game
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The reason that Amazon is winning has nothing to do with price, it has to do with how simple and painless their buying process is for the customer.
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Over 1 million streams for The Insurance Guys podcast now
Here's my recipe for making a podcast that doesn't suck:
• you get on great with your co-host
• you are passionate about the topic
• your subject area is something people want to hear about
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Selling property & casualty insurance is the greatest occupation.
1.People have to buy it.
In many cases it’s mandated. Mortgage, car loan, owning a business, etc.
2.There is a lot of average competition.
Many people start off strong and then rest on the laurels. This +
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It’s crazy that I can order a pizza from dominos and tell you exactly when it’s going to be done and who’s working on it. But I have to go to 17 different websites to get something done for my client. Pizza co’s are more connected than insurance agents to carriers. Let’s fix this
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Carrier CEO stopped by the office yesterday.
Loved my sign.
We spend the whole meeting talking about King of the Hill.
I’ll be sending them more business.
Build a relationship with your agents/carriers.
It goes further
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Insurtech carriers after dealing with their first CAT claims
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What if I told you that a home buyer doesn’t want to talk about the insurance policy for 35 minutes....they just want you to get it done so they can close on the house!
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My wife will give birth to our son in about 3 or so weeks. I’m going to disconnect and take 2 months off from my businesses/various projects. I see this also as an opportunity to get caught up on some reading. What books do you recommend? 👇🏻
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Instead of prime day, we should have small/local business day where everyone makes it a point to support local businesses.
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Visual representation of the current insurance technology.
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“Calling late pays is an e&o exposure”
But you know what else is…
Selling insurance.
Run your business like a business not a scared puppy..
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The last thing my uncle Clifford said to me before he died was “make sure everyone knows you are talking in terms of revenue not premium”
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Kids are like insurance podcasts.
They are really easy to make and not everyone should have one.
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In Q1 of 2024 $LMND wrote $47 million in new premium.
They spent $30.4 million on sales and marketing in the same time frame.
Effectively paying 63.8% “commission”.
But they save the customer money because they don’t work with agents thus “saving 15%”.
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If you thought insurance wasn’t action packed you’ve never spent time in an insurance office the week of a possible hurricane where 1/2 your carriers are under binding restrictions, the other 1/2 are slowly shutting down by the minute and you still have policies to bind.
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Portal insurance tech stack
These are our core tools. There are many others that we use sparingly but below are the ones we use on a day to day basis.
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Excited to announce
@nationwidescott
and myself will heading to Dallas, Tx in July to do a live podcast on stage at the 8% Nation Conference
#pumped
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If you ever think you’re delusional just remember there are still people at $LMND that think they are disrupting the industry.
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Every insurtech carrier within 1-2 years of launch:
“We only sell direct to consumer so we don’t have to pay commissions to agents”
Every insurtech carrier 3 years later after horrible loss ratios, retention, outrageously high CAC, incredibly low trading price:
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@TheGingerRoofer
Roofers going door to door, pointing out hail damage that doesn’t exist, requiring AOBs to be signed to even do the job..milking the policy so they can get all the money they want, inflating prices so the insured doesn’t have to pay deductibles (which is fraud)… totally
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That guy who said lawsuits don’t factor into consumer’s insurance rates on
@themaxrevenue
’s post last night
Joker isn’t available, who’s the greatest clown of all time?
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Had an interesting chat with my E&O agent recently.
As far as I am concerned, she’s the
#1
E&O agent in the country for insurance agents.
Looks at more insurance agency E&O policies than anyone.
Sees everyone’s revenue, warts, wins, losses, etc.
She said something
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Why would anyone live in California?
Here’s what a $1,500,000 annual income looks like in California.
- Gross Income: $1,500,000
- Federal Tax: $513,164
- State Tax: $184,557
- Social Security: $9,114
- Medicare: $33,450
- State Disability: $1,602
- Total Tax: $741,886
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Don't start an insurance agency without a decent pot of money
Your bills will be higher than you think and you really need staff, which costs money
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Insurance commissioners should be an elected official and the only people that can vote are people who have resident license in said state…
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Before I speak at an insurance conference I always stroll through the vendor hall to make sure none of the carriers I’m making fun of in my talk are sponsors.
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Entrepreneurship is hard.
Jobs are hard.
Owning a business is hard.
Being in poverty is hard.
Choose your hard.
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Good morning to everyone except carriers who say they want younger agents and then don’t appoint those agents because they aren’t operating like “our agents have always done it”
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Carriers that refuse to go on comparative raters are stepping over dollars to pick up pennies.
Long term, at scale, they will miss opportunities.
Double entry and lack of efficiency is the biggest threat to IA’s. This is the problem carriers need to be helping us solve rather
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