Chris tackles the complex topic of Insurance as he interviews Michael Moore, an 8th generation Texan and President of Lockton's Fort Worth office. Michael shares a fascinating story about his family's influence in Texas, a break down of the insurance industry in the midst of COVID-19, and Michael's new podcast: The Climb. Enjoy! Follow Chris on Twitter: www.Twitter.com/FortWorthChris Learn more about Chris Powers and Fort Capital: www.FortCapitallp.com Listen to Michael's Podcast Here   02:00 — Michael’s Family History and Journey to Lockton 15:28 — How did your family get into organic farming and what was it like working with Whole Food’s before they became popular? 17:38 — What is the difference between the Waldorf educational system and a traditional American education? 21:27 — What is the difference between email marketing back in 2001 versus 2020? 22:51 — The Loaded Question: How does the insurance industry work? 24:57 — Why is the American employer encouraged to provide employee benefits vs. an employee signing up on their own as they would with car insurance? 28:10 — How much does the average employee’s age affect the overall insurance rates for the company? 30:01 — Why aren't property and casualty rates going down? 31:02 — What’s a “Hard Market”? 34:12 — How does a "Hard Market" end? 35:40 — Is there anything happening in the industry that can change the direction of these prices such as technology? 40:10 — Is there a 'black swan' within the insurance industry that a court can demand coverage for? 43:14 — Has the pandemic coverage become more solidified in pricing models? 44:05 — Have insurance rates increased because people are more likely to sue someone at the drop of a hat? 48:23 — What does an underwriter's shop look like? 52:50 — Is there one company crunching all the numbers and putting out the risk to carriers & underwriters or is this data collected individually? 53:34 — Grandfathering in Policy Pricing 57:03 — How did you go about building the Lockton brand in Fort Worth? 1:01:57 — How did Lockton react to the initial outbreak? 1:04:15 — Did you receive more early warning signs of COVID than most since Lockton is an international company? 1:04:42 — From a company leader's perspective, what does the rest of the year look like for Lockton? 1:06:40 — Is there something that Texas is doing that gives you hope vs. the challenges others are facing in markets that are hit harder like LA, NYC, etc.? 1:08:52 — What has hosting a podcast been like and what can listeners expect from the show? The FORT is produced by Straight Up Podcasts