Plain insurance talk before surprises happen.
Risk Intelligence treats insurance as a practical operating concern, not a stack of forms to ignore until renewal. Karen Adamsbaum explains quotes, exclusions, contracts, loss runs, and everyday changes with direct stories from broker life.
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Risk Intelligence is an insurance education show with a broker's view of what happens before, during, and after coverage decisions. Karen Adamsbaum keeps the language direct. The show favors practical explanations over industry polish, especially when the topic is something clients often misunderstand. Quotes are not treated as quick numbers pulled from a shelf. They depend on facts: business history, employees, revenue, vehicles, rented space, owned property, and the kind of work being insured. Loss runs become a window into how underwriters read a risk. Market blocking becomes less mysterious once the show explains why carriers work with one agent at a time. Certificates of insurance get special scrutiny. Risk Intelligence repeatedly pushes past the one-page proof of coverage and toward the actual policy language underneath. That focus gives the show its most useful edge. It is concerned with the moment when assumptions meet a claim. A cheap premium can look appealing until exclusions, gaps, or mismatched contract requirements appear. In business stories, a small oversight can turn into legal costs, downtime, stalled contracts, and cash-flow pressure. The show also tracks ordinary life changes that can alter insurance needs. A new car, a home purchase, a building, a larger space, more employees, or a new executive can all create coverage questions before the paperwork is finished. Interviews add a networked business feel. Tatiana Gust brings the permitting world into the conversation, while Eric Silberman discusses broker partnerships and enhanced benefits. Across these episodes, Risk Intelligence presents insurance as a planning habit. It suits listeners who want plain explanations before a renewal, a contract, a purchase, or a claim forces the issue.
Made for: Risk Intelligence is for business owners, contractors, brokers, and clients who want insurance terms translated into everyday operating decisions. It also fits listeners facing contracts, quotes, claims, property changes, or policy renewals.
What sets it apart: The show stands out by explaining the broker-side process that clients rarely see, from carrier submissions to loss runs and policy review. Its examples stay close to real business friction rather than abstract insurance theory.
Insurance is the necessary evil. We all need it, in some way or another. With 20 years of experience, Karen Adamsbaum will be sharing her knowledge, shedding light on common questions, coverage explanations, as well has conversations with her brokers, clients and business colleagues. Karen‘s goal with this podcast is to keep the insurance topic simple and educative.
Short reviews from the PlayNext desk, based on the episodes we processed.
Contractor insurance gets real when paper GCs, assigned risk, and bonds all collide.
Risk Intelligence turns an offhand insurance conversation into something practical fast. A New Jersey GC, developer, builder, and broker walks through why workers' comp gets messy for paper GCs, how assigned risk changes the pricing and carrier side, and why a PEO can sometimes…
Practical risk education for insurance professionals.
Insurance talk with the machinery exposed.
Practical risk guidance for working businesses.
This episode explains the importance of obtaining loss runs for insurance underwriting, detailing how past claims history helps assess risk and determine coverage.
This episode uses a story about a business owner facing unexpected costs from a workplace injury to illustrate common insurance coverage issues and risk management.
Host Karen Adamsbaum introduces Eric Silberman, a LinkedIn connection and award-winning employee benefits advisor, discussing their three-year online relationship and his recognition as Employee Benefits Advisor of the Year.
The host introduces her first podcast episode, explaining how her daily commute inspired her to create educational content about the insurance industry.
This episode explains why insurance quotes aren't instant, detailing the necessary data brokers and agents must gather from clients to provide accurate quotes.
This episode discusses the importance of understanding insurance exclusions and coverage over focusing solely on low premiums to avoid surprises during claims.
This episode features an interview with Tatiana Gust, owner of Elite Permitting of Southwest Florida, discussing her company's role in helping builders navigate the permitting process more smoothly.
This episode explains the difference between umbrella coverage and excess liability coverage in insurance, clarifying common misunderstandings about these terms.
This episode features an impromptu, unscripted conversation between the host and Warren King, a New Jersey general contractor and real estate developer, discussing insurance topics like workers' compensation credits for contractors.
This episode explains the detailed information gathering required by insurance brokers when clients request immediate quotes, emphasizing that rushing the process is impractical.
Risk Intelligence host Karen Adamsbaum interviews REP founder and CEO Tom Kowalski about cybersecurity, reputation protection, and insurance risk.
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Risk Intelligence host Karen Adamsbaum interviews Tony Canas about entering insurance after the 2009 recession and building a career across claims, underwriting, and professional education.
Karen Adamsbaum interviews Chuck, owner of Jersey Girl Brewery in Bud Lake, New Jersey, about opening on April 15, 2016 and adapting the brewery's marketing and operations during COVID.