Captive Insurance: The Risk Strategy No One Talks About (But Should)

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What if insurance wasn’t just a necessary evil—but a strategic advantage?
Stephen B. Maxwell, CPCU, joins me for a raw and wildly insightful conversation about the misunderstood world of captive insurance—and how the smartest businesses are using it to save millions, gain control, and build real resilience.

We also kick things off with some serious gamer nostalgia, Battlefield rankings, and what it really means to game like a CEO.

🎮 Then we shift into:

• What a captive really is (and why most people misunderstand it)
• The single biggest misconception about insurance that’s costing companies real money
• Why Stephen believes “most agents don’t deserve their commission” (🔥)
• How gaming shaped communication and business mindset
• The future of insurance, risk-sharing, and collaborative safety
• Leadership, loyalty, and doing what’s actually right in business

Whether you're in the insurance space, a business owner thinking about long-term risk strategy, or just here for the BrokenMachine shoutouts, this episode brings clarity, passion, and some savage truths.

📩 Connect with Stephen on LinkedIn: Stephen B. Maxwell

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