Meeting Title: Insurance AI Integration Discussion Date: 2026-03-09 Meeting participants: George Henderson - Insurance, Luke Scorziell


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1 00:03:58.440 00:03:59.680 Luke Scorziell: Hey, George.

2 00:04:00.040 00:04:00.850 George Henderson - Insurance: Hello?

3 00:04:01.950 00:04:04.630 Luke Scorziell: How’s it going? Sorry for the minute delays.

4 00:04:04.630 00:04:06.040 George Henderson - Insurance: Alright, it happens.

5 00:04:06.040 00:04:10.480 Luke Scorziell: Finishing up, meeting with my team. How are you doing today?

6 00:04:10.480 00:04:11.840 George Henderson - Insurance: Okay, thanks.

7 00:04:17.060 00:04:18.050 George Henderson - Insurance: Alright.

8 00:04:18.589 00:04:20.649 George Henderson - Insurance: You wanted to share some with me.

9 00:04:21.769 00:04:23.909 Luke Scorziell: Yeah, yeah, I was curious to,

10 00:04:24.969 00:04:29.089 Luke Scorziell: I mean, I can show you a demo that we have, but…

11 00:04:29.239 00:04:34.619 Luke Scorziell: Yeah, I was… I was curious, I guess, first, just to learn a little bit more about your business and what,

12 00:04:35.099 00:04:37.269 Luke Scorziell: Yeah, I know, Connor obviously didn’t…

13 00:04:37.489 00:04:42.779 Luke Scorziell: insurance, but maybe where you’re working with AI, and then I

14 00:04:43.219 00:04:46.439 Luke Scorziell: Yeah, I would love to just learn a little bit more about your business first.

15 00:04:46.680 00:04:49.310 George Henderson - Insurance: Well, we’re just an insurance brokerage, that’s all.

16 00:04:49.700 00:04:53.189 George Henderson - Insurance: So, you know, we sell insurance.

17 00:04:53.570 00:04:54.210 Luke Scorziell: Huh.

18 00:04:54.210 00:04:57.150 George Henderson - Insurance: service clients. It’s pretty simple.

19 00:04:57.970 00:04:58.630 George Henderson - Insurance: operate.

20 00:04:59.330 00:05:02.040 Luke Scorziell: And you’ve been a… how long have you been doing it for?

21 00:05:02.420 00:05:03.730 George Henderson - Insurance: 37 years.

22 00:05:04.020 00:05:06.550 Luke Scorziell: Oh, nice. And are you,

23 00:05:07.780 00:05:12.010 Luke Scorziell: Yeah, are you using any kind of AI or automation or softwares or anything?

24 00:05:13.000 00:05:14.880 Luke Scorziell: Is that something you’ve thought about at all?

25 00:05:15.190 00:05:19.690 George Henderson - Insurance: Thought about it, but we kind of looked into it and didn’t find anywhere that we could use it.

26 00:05:20.130 00:05:21.900 George Henderson - Insurance: That would benefit us.

27 00:05:22.740 00:05:28.080 Luke Scorziell: Yeah, we’ve… are you guys doing, like, risk profiling, or how do you, I’m… I’m, like.

28 00:05:28.150 00:05:30.629 George Henderson - Insurance: A little bit familiar with the insurance space, but not…

29 00:05:30.800 00:05:33.919 Luke Scorziell: I might be asking questions that you’ve, you, you think are.

30 00:05:34.130 00:05:42.600 George Henderson - Insurance: Well, customers contact us, and we provide quotes and information, and then they buy the policy and… or don’t.

31 00:05:43.330 00:05:49.579 George Henderson - Insurance: You know, do the servicing, address changes, or updates, whatever the case is.

32 00:05:50.430 00:05:52.709 Luke Scorziell: And how long does it take you to do a,

33 00:05:52.940 00:05:55.410 Luke Scorziell: Like, give a quote on a…

34 00:05:56.050 00:05:57.240 George Henderson - Insurance: Impacts on the product.

35 00:05:58.600 00:06:02.980 George Henderson - Insurance: Your product could be a few minutes, or it could be… A month or two.

36 00:06:03.620 00:06:09.870 Luke Scorziell: Oh, really? So with, like, more of the insurance, or the commercial side of things?

37 00:06:10.160 00:06:15.949 Luke Scorziell: Does that… is that also dependent on the product, if you’re doing insurance? Or, commercial?

38 00:06:15.950 00:06:19.250 George Henderson - Insurance: Commercial’s a little more difficult, and that usually takes more time.

39 00:06:20.740 00:06:33.880 Luke Scorziell: Yeah, I can… So we built a system… I just have a video right now that… That,

40 00:06:36.630 00:06:39.180 Luke Scorziell: It creates, like, cited risk profiles.

41 00:06:39.450 00:06:41.450 Luke Scorziell: for,

42 00:06:43.010 00:06:50.579 Luke Scorziell: Commercial insurers, and so any documentation and things, as long as you have it, then you can kind of upload it into the system and

43 00:06:50.690 00:06:58.980 Luke Scorziell: And it can pull the details and whatnot, so… I, can show you the…

44 00:06:59.260 00:07:05.419 Luke Scorziell: present a video of it. I mean, I guess we could watch it together. No, it’s not… I don’t have the actual demo on my computer.

45 00:07:06.700 00:07:09.309 George Henderson - Insurance: Well, you could send it to me, and I’ll take a look at it.

46 00:07:09.490 00:07:11.539 Luke Scorziell: Yeah, maybe I’ll do that. I can send you.

47 00:07:11.540 00:07:16.760 George Henderson - Insurance: Yeah, because I share it with my underwriters, and then they’re the ones that do the underwriting.

48 00:07:17.400 00:07:18.240 Luke Scorziell: Huh.

49 00:07:18.240 00:07:23.429 George Henderson - Insurance: So they obtain the information we need, all that stuff, and then we go from there.

50 00:07:25.830 00:07:27.330 Luke Scorziell: Yeah,

51 00:07:27.690 00:07:36.929 Luke Scorziell: I mean, this is kind of a space that we’re looking to break into a little more, so I… yeah, we’ve kind of built the product and done a couple pilots, but then…

52 00:07:37.130 00:07:40.449 Luke Scorziell: Yeah, are looking to learn, so that’s…

53 00:07:40.920 00:07:45.010 Luke Scorziell: That’s the main thing, and then we also can do… we have a gap analysis.

54 00:07:45.270 00:07:47.989 Luke Scorziell: That we can also run for,

55 00:07:48.570 00:07:52.080 Luke Scorziell: On… on clients, and so those are two things that we’ve been working on.

56 00:07:52.260 00:07:55.249 Luke Scorziell: But yeah, I just thought maybe you would find interesting.

57 00:07:57.190 00:08:00.219 George Henderson - Insurance: Yeah, I’m always willing to take a look at anything.

58 00:08:00.610 00:08:01.430 George Henderson - Insurance: But…

59 00:08:02.780 00:08:17.160 George Henderson - Insurance: we looked into, you know, where AI, even checking with the insurance, you know, we stay up to date with the insurance industry, and there just hasn’t been anything out yet that is going to benefit the agencies like that.

60 00:08:17.230 00:08:26.270 George Henderson - Insurance: Now, the home offices and stuff like that, the carriers themselves, they have different needs, different… issues.

61 00:08:26.550 00:08:29.920 George Henderson - Insurance: And I think they’re using AI to a degree with that.

62 00:08:30.770 00:08:37.800 George Henderson - Insurance: For the brokers like me, nobody’s come up with anything that would really be beneficial to us yet.

63 00:08:38.710 00:08:45.919 Luke Scorziell: Well, what are… maybe, could you tell me a little bit about your day-to-day, and what, like, are there tasks that you’re doing that you find kind of tedious, and…

64 00:08:45.920 00:08:47.809 George Henderson - Insurance: Well, that’s all tedious.

65 00:08:49.130 00:08:58.329 George Henderson - Insurance: But it’s just the customers contact us, tell us what they need, we let them know what information we need, they provide it, and we supply them with a quote.

66 00:08:58.990 00:09:01.829 Luke Scorziell: And how… how big is your business right now?

67 00:09:01.830 00:09:03.300 George Henderson - Insurance: It’s not bad.

68 00:09:04.090 00:09:06.110 Luke Scorziell: Was it just you, or how…

69 00:09:06.110 00:09:11.029 George Henderson - Insurance: Oh, no, we have, 5 agents, we have a staff of 9 people.

70 00:09:12.790 00:09:15.040 George Henderson - Insurance: But we’re not huge, but we’re not small.

71 00:09:15.720 00:09:18.320 Luke Scorziell: But it sounds like you’re doing well for having 9 people.

72 00:09:18.470 00:09:20.740 George Henderson - Insurance: Yeah, we’re… we’re doing just fine.

73 00:09:21.810 00:09:22.530 George Henderson - Insurance: Yeah.

74 00:09:22.810 00:09:26.160 Luke Scorziell: And are… do you have goals for growing the business over the next…

75 00:09:26.160 00:09:26.790 George Henderson - Insurance: Nope.

76 00:09:27.260 00:09:27.610 Luke Scorziell: No.

77 00:09:27.730 00:09:29.099 George Henderson - Insurance: I don’t do goals.

78 00:09:30.850 00:09:35.479 George Henderson - Insurance: We’re too busy. We… we don’t even think about that. We just work.

79 00:09:35.830 00:09:36.600 Luke Scorziell: Huh.

80 00:09:41.790 00:09:46.060 Luke Scorziell: So you don’t even have time to think about, kind of, where you want to go and where you’d like to head?

81 00:09:46.250 00:09:48.949 George Henderson - Insurance: We’re too busy to even think about that.

82 00:09:50.300 00:09:50.620 George Henderson - Insurance: Yeah.

83 00:09:50.620 00:09:54.400 Luke Scorziell: Are most… most of your clients are coming from referrals, or online?

84 00:09:54.400 00:09:56.130 George Henderson - Insurance: close. We don’t advertise.

85 00:09:57.830 00:10:03.989 George Henderson - Insurance: Yeah, and we’re constantly, constantly being requested by new people coming in.

86 00:10:05.530 00:10:09.759 George Henderson - Insurance: But we have an endless stream of new people coming into us.

87 00:10:10.860 00:10:21.050 Luke Scorziell: And what does it look like? So if a new person comes in, then, you know, do I call you and say, hey, this is what’s going on, and then email you the documents? Do you guys have an intake form?

88 00:10:21.050 00:10:25.929 George Henderson - Insurance: Well, it just depends. They may call us and say they have a need, or they might email us, they may…

89 00:10:26.150 00:10:33.730 George Henderson - Insurance: you know, get on our website. We have QR codes out there where people can go to us that way.

90 00:10:34.750 00:10:39.170 George Henderson - Insurance: You know, there’s many different ways they contact us.

91 00:10:39.790 00:10:47.129 Luke Scorziell: But then when you’re… so when you’re evaluating, like, are you able to go through everyone that wants to get in with your business, or is it…

92 00:10:47.130 00:10:47.450 George Henderson - Insurance: huh.

93 00:10:48.050 00:10:48.680 Luke Scorziell: You are?

94 00:10:48.880 00:10:54.199 George Henderson - Insurance: Yeah, we’re able to quote everybody. Now, whether or not they want it or not, that’s up to them.

95 00:10:54.930 00:11:02.820 George Henderson - Insurance: But, you know, everybody we get in touch with, we’re able to supply them a quote of something. But usually they’re contacting us because

96 00:11:03.100 00:11:06.739 George Henderson - Insurance: They’ve gone elsewhere and haven’t been helped.

97 00:11:07.070 00:11:12.010 George Henderson - Insurance: But we’re one of the few agencies That really can write everything.

98 00:11:12.690 00:11:16.659 George Henderson - Insurance: So, we… that’s why we’re so busy all the time.

99 00:11:17.490 00:11:18.270 Luke Scorziell: Yeah.

100 00:11:19.000 00:11:22.799 George Henderson - Insurance: In fact, one of my newest clients is an insurance agency themselves.

101 00:11:24.140 00:11:27.569 George Henderson - Insurance: We got them insurance better than they could get themselves.

102 00:11:27.960 00:11:33.640 Luke Scorziell: That’s a good tagline. You get the insurance agencies better insurance than they can get.

103 00:11:33.640 00:11:40.090 George Henderson - Insurance: They’re good people and stuff, but they just don’t have access to the carriers we have access to.

104 00:11:40.700 00:11:41.470 Luke Scorziell: Huh.

105 00:11:41.570 00:11:46.020 Luke Scorziell: And have you worked with… so, have you worked with other, kind of,

106 00:11:47.150 00:11:50.449 Luke Scorziell: I guess, like, software implementers, or done any kind of, like.

107 00:11:50.980 00:11:59.190 Luke Scorziell: where is your level of technical, I guess, depth? Are you guys use… like, is it all on the cloud? Are you still using a lot of, like, writing?

108 00:11:59.520 00:12:02.889 Luke Scorziell: Manually doing stuff, paper and pen? What is it?

109 00:12:02.890 00:12:08.309 George Henderson - Insurance: No, we don’t even have paper and pen here at all. It’s all computerized and…

110 00:12:08.840 00:12:15.710 George Henderson - Insurance: in the systems and all that crap. And if we do have to write something down, we usually scan it into the system right away.

111 00:12:16.030 00:12:22.159 George Henderson - Insurance: So, we don’t have file cabinets, we have nothing. It’s all… and the computers.

112 00:12:23.580 00:12:24.250 Luke Scorziell: Yeah.

113 00:12:25.010 00:12:25.690 Luke Scorziell: Bye.

114 00:12:29.940 00:12:34.270 Luke Scorziell: Yeah, okay, well, I mean, I can… I can send you along some of the videos, and maybe you can…

115 00:12:34.590 00:12:36.500 Luke Scorziell: I mean, I guess what…

116 00:12:36.510 00:12:38.620 George Henderson - Insurance: I’ll definitely look at anything.

117 00:12:39.270 00:12:48.630 Luke Scorziell: Yeah, I mean, what we’re finding is that AI is very good at very specific workflows, and so the company that… so we worked with a partner to build out these two

118 00:12:48.790 00:13:00.370 Luke Scorziell: kind of services around the risk profiles and gap analysis, and they sit on top of PDFs and, any kind of documentation that you have, and then the AI can then analyze

119 00:13:01.260 00:13:05.400 Luke Scorziell: You know, and kind of pull out certain information and data.

120 00:13:05.620 00:13:13.739 Luke Scorziell: Even on documents that, like, if it’s coming from a broker that uses a different formatting than you, or if, you know, what if it’s, like.

121 00:13:14.030 00:13:16.960 Luke Scorziell: That can kind of learn, so it’s not just,

122 00:13:17.400 00:13:24.809 Luke Scorziell: like, it’s not just dependent on, like, this box is always going to be in this one spot, and every time that box is in that spot, I pull out the information.

123 00:13:26.110 00:13:34.940 Luke Scorziell: So that’s kind of what we’ve built as a system on top, and then… but it’s, yeah, any kind of workflows that end up being,

124 00:13:35.540 00:13:39.979 Luke Scorziell: like, very repetitive, that you’re doing the same thing over and over.

125 00:13:40.100 00:13:47.569 Luke Scorziell: That’s something that usually we can build a system that frees up your team’s time, with artificial intelligence, and then…

126 00:13:47.840 00:13:52.750 Luke Scorziell: Yeah, any kind of information transfer, so taking, like.

127 00:13:52.930 00:14:10.949 Luke Scorziell: numbers from one document to another document, and all of that, like, is very easy to automate. And so, with one of the clients that we kind of did this pilot with, it’s, like, took, like, 20 hours for them to do a commercial risk profile, and we were able to get it to minutes.

128 00:14:11.160 00:14:17.010 Luke Scorziell: On that, and so… and then it’s all cited, too, so it’s one of the risks that you run with AI, is if you just kind of

129 00:14:17.290 00:14:29.660 Luke Scorziell: throw it into ChatGPT or wherever, like, you don’t really know if it’ll just make up information. And… and then obviously then that exposes you to a lot of liability. And so with,

130 00:14:30.280 00:14:38.480 Luke Scorziell: Yeah, with this, it’s just… it’s every line and part that it does, it cites back to a certain part of the original document.

131 00:14:38.690 00:14:42.079 Luke Scorziell: That it found the information, and so…

132 00:14:42.490 00:14:49.610 Luke Scorziell: So, yeah, I mean, if that’s, like, if it’s even that you just want more time back in your business, or maybe if you like being really busy, I don’t know.

133 00:14:50.140 00:14:55.110 George Henderson - Insurance: Well, I mean, we’re so busy that anything we could do that would save time is always good.

134 00:14:55.820 00:14:56.330 Luke Scorziell: Yeah.

135 00:14:57.410 00:15:02.450 George Henderson - Insurance: But, yeah, send me something to look at, and I’ll share it with my underwriters, too.

136 00:15:02.880 00:15:05.119 George Henderson - Insurance: The ones that do most of the quoting.

137 00:15:06.120 00:15:10.149 George Henderson - Insurance: See what they think. Maybe they have some ideas, thoughts about stuff.

138 00:15:10.270 00:15:14.069 George Henderson - Insurance: You know, what about this? What can we do this type of stuff.

139 00:15:15.140 00:15:15.560 Luke Scorziell: Yeah.

140 00:15:15.560 00:15:19.990 George Henderson - Insurance: Share that with you, and you can see what ideas you guys can come up with.

141 00:15:20.960 00:15:26.409 Luke Scorziell: Yeah, no, that’d be great. Do you think it’d be helpful for me to talk with one of them after they look through it, or…

142 00:15:26.410 00:15:31.260 George Henderson - Insurance: Let’s see what they say first, because they’re so swamped right now.

143 00:15:31.260 00:15:32.260 Luke Scorziell: Yeah, yeah.

144 00:15:32.260 00:15:36.979 George Henderson - Insurance: They’re just buried with work. I mean, they’re working Saturdays and Sundays.

145 00:15:37.350 00:15:38.100 Luke Scorziell: Oh, jeez.

146 00:15:38.100 00:15:40.210 George Henderson - Insurance: Yeah, we’re bus- we’re really busy.

147 00:15:41.390 00:15:42.230 Luke Scorziell: Okay.

148 00:15:42.920 00:15:48.549 Luke Scorziell: What’s… I mean, who’s keeping you the most busy? Is there a certain, product that you’re offering, or just everything, everyone?

149 00:15:48.550 00:15:55.670 George Henderson - Insurance: We have been around a long time, and we’re able to shop for the best deals. So, we’ve built a real good reputation.

150 00:15:56.390 00:15:57.140 Luke Scorziell: Yeah.

151 00:15:57.810 00:16:06.399 Luke Scorziell: Yeah, that’s amazing. I mean, not many companies can say that. Rural-based, and they’re all working Saturdays and Sundays, too.

152 00:16:06.400 00:16:09.110 George Henderson - Insurance: Yeah, I work almost every day, so…

153 00:16:10.320 00:16:10.960 George Henderson - Insurance: Yeah.

154 00:16:11.610 00:16:16.639 Luke Scorziell: Are you, I mean, maybe you’re not thinking about retirement or anything anytime soon?

155 00:16:17.320 00:16:20.159 George Henderson - Insurance: Because, my sons work here, too, and so…

156 00:16:20.560 00:16:23.649 George Henderson - Insurance: You know, it’s kind of a family thing and stuff.

157 00:16:24.070 00:16:25.700 Luke Scorziell: Yeah.

158 00:16:26.090 00:16:27.840 George Henderson - Insurance: Go. No, no retirement.

159 00:16:28.920 00:16:34.350 Luke Scorziell: Yeah, okay, well, I mean… I’ll send over what I’ve got, and I mean, maybe it’d be…

160 00:16:34.790 00:16:40.449 Luke Scorziell: like, even just being able to observe a little bit of the process, I think, can be helpful as our team.

161 00:16:40.450 00:16:40.970 George Henderson - Insurance: equipment.

162 00:16:40.970 00:16:45.170 Luke Scorziell: build stuff, but I’ll send you, and then if it seems interesting to your team, like.

163 00:16:45.330 00:16:49.419 Luke Scorziell: That should just spark, kind of, this is, like, an idea of what we can do, because it’s…

164 00:16:49.420 00:16:49.920 George Henderson - Insurance: Right.

165 00:16:49.920 00:16:51.089 Luke Scorziell: It’s very, like…

166 00:16:51.820 00:16:57.580 Luke Scorziell: When we come into a company, we kind of discover, like, okay, here’s what they’re doing currently, here’s how things work.

167 00:16:58.200 00:17:09.250 Luke Scorziell: here are maybe inefficiencies that you don’t necessarily realize, just because you’ve been in it for so long. And then, and then we can kind of build custom things together with you. And so,

168 00:17:09.540 00:17:13.380 Luke Scorziell: Yeah, just, it varies, too, on, on,

169 00:17:13.780 00:17:16.959 Luke Scorziell: Pricing and budget of what we can build, but

170 00:17:17.470 00:17:20.079 Luke Scorziell: Now, I’m very curious about AI stuff.

171 00:17:20.700 00:17:26.010 Luke Scorziell: Okay, cool. Well, yeah, I’ll, I’ll put together an email, and then send you,

172 00:17:26.210 00:17:28.560 Luke Scorziell: Send you some of what we’ve got, and then… Go ahead.

173 00:17:28.910 00:17:33.749 Luke Scorziell: And then we can connect from there. Maybe then would it, would it make sense to…

174 00:17:34.050 00:17:35.709 Luke Scorziell: Make another meeting now.

175 00:17:36.020 00:17:42.619 George Henderson - Insurance: No, I see what it says. If it’s something that’s just not yet, then, you know, there’s no reason to, but if there’s…

176 00:17:42.890 00:17:45.409 George Henderson - Insurance: And give me time to share it with the others.

177 00:17:45.790 00:17:47.960 Luke Scorziell: Yeah. Okay, sweet.

178 00:17:48.720 00:17:50.880 George Henderson - Insurance: But I have your contact information.

179 00:17:51.610 00:17:55.739 Luke Scorziell: Yeah, and now I have yours, so I guess if… when I need insurance, I’ll know who to…

180 00:17:56.220 00:17:57.540 Luke Scorziell: Who to get in touch with?

181 00:17:57.540 00:18:02.460 George Henderson - Insurance: Whenever you’re ready.

182 00:18:03.020 00:18:06.429 George Henderson - Insurance: We’re so busy that we don’t even go looking for people.

183 00:18:06.660 00:18:15.089 Luke Scorziell: Yeah, well, I mean, if it’s, those are the bottlenecks that, I mean, again, it’s like, if you want to stay the same size, it’s fine, but

184 00:18:15.250 00:18:22.560 Luke Scorziell: If… once you figure out how to operationalize some of those things, then you do some simple marketing. It’s like, you could probably blow up the business,

185 00:18:22.560 00:18:23.660 George Henderson - Insurance: Yeah, well, yeah.

186 00:18:23.660 00:18:27.459 Luke Scorziell: But, you know, it maybe depends on what your sons want, I don’t know.

187 00:18:27.600 00:18:30.059 George Henderson - Insurance: True enough. Alright.

188 00:18:30.060 00:18:33.040 Luke Scorziell: Oh. Well, thanks, George. I appreciate your time. Nice.

189 00:18:33.040 00:18:34.299 George Henderson - Insurance: I’ll look for your email.

190 00:18:34.300 00:18:35.820 Luke Scorziell: Okay, sounds good. Alright.

191 00:18:35.820 00:18:36.350 George Henderson - Insurance: Boom.

192 00:18:36.350 00:18:37.460 Luke Scorziell: Talk to you soon.