September 2, 2025 • 35 mins
Dale Cooper welcomes back Don Wilson, owner of Capital Insurance Group, for a deep dive into insurance strategies for landlords, Airbnb hosts, and real estate investors. Don breaks down the difference between builder’s risk and landlord policies, the risks of underinsuring short-term rentals, and the importance of structuring ownership through LLCs. Whether you own a duplex, inherited property, or a vacation rental, this episode is a must-listen for protecting your investments.
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Episode Transcript
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Speaker 1 (00:00):
Unlock your dream property with Meeks Realty Group, where Rich
the realtor makes real estate dreams a reality, whether it's
residential or commercial. We've got Charleston to Huntington covered. Your
key to exceptional real estate experience is start here Meeks
Realty Group. Contact us at Meeks dot us.
Speaker 2 (00:15):
The views and opinions expressed on this program do not
necessarily reflect the views and opinions of five eight WCCHS
it's employees or WVRC Media.
Speaker 3 (00:40):
You're listening to as the expert. Have you SEHS the
Voice of Charleston. Happy Tuesday morning too, you made it
through the weekend. Things are going well here in the
state of West Virginia, in the city of Charleston, and
I've welcome into the studio with me this morning is
Don Wilson from Capital Insurance Group, the owner of Capital
Insurance Group right here in Charleston. Don, good morning, How
are you doing this morning? Hey, good morning, doing great man.
I am always looking forward to having our conversations. And
(01:02):
by the way, if you have any questions this morning
and give us a call. Three zero four three four
five fifty eight fifty eight three four five fifty eight
fifty eight. Don's been on the air with us off
and on over the last few years. We've been back
on the airwaves here for a couple of months now.
But it is a good idea too for folks that
because we have folks that come in and out of
here all the time, that we want to make sure
folks know who you are, who Don Wilson is what
(01:22):
that means. You have a deep ties to this community.
You've you've kept your business here Capital Insurance Group the
worldwide headquarters right here in Charleston. But I think we
could probably start back at the beginning of little Wait,
by the way, good morning, how you doing.
Speaker 4 (01:35):
I'm doing great here? Did you have a good holiday weekend?
And everything feels like a Monday? But it's like a Monday?
Speaker 3 (01:42):
Wait when when you're in school? This and the work
week always reminds me of this as well. To be
quite honest with you, the short work weeks are usually
worse weeks than just a regular week.
Speaker 5 (01:52):
What you mean, especially in our business too, I mean
we're going to have probably twice the calls we would
on a normal Monday, right or a No two Tuesday, right,
And this is a Tuesday, and it's no you know
in the insurance business, you don't really there is no
seasonal you know, like in retail, it's gonna be really
busy back there.
Speaker 4 (02:09):
It's always busy, right, everybody.
Speaker 5 (02:10):
Insurance, everybody, and everybody was on the highways this weekend,
and uh, you know people's homes were empty.
Speaker 4 (02:16):
All that's true.
Speaker 5 (02:18):
Then you got the water issues and all that stuff.
And not to man, I don't not to mentional. We
have people out on vacation, so it's a great day.
Speaker 4 (02:25):
Yeah, no doubt. Insurance.
Speaker 3 (02:27):
I could imagine that Capital Insurance group. But by the way,
you can give a give him a call if you
have any questions during the course of our conversation.
Speaker 4 (02:33):
You don't necessarily want to call in the radio.
Speaker 3 (02:34):
You can give a Capital Insurance call their number threes
or four now non three saved threes are four, no
non three save. But I thought it would be a
good idea, Well, Don thought it would be a good idea.
And he's right for him to kind of re introduce
himself just a little bit to uh, to our area here,
because you've been here for a long time. You've been
you've been h our independent agent for a long time.
As far as UH insurance goes. But folks need to
(02:57):
know who you are. You have Deep Tais High School
here in the community. You've been all the I mean,
I mean you are a Charleston god basically.
Speaker 4 (03:02):
Oh yeah, born and raised on Charleston's West Side.
Speaker 3 (03:05):
Yeah.
Speaker 5 (03:05):
Where my grandfather actually, who lived in Dunbar, grew up
in Jamaica, Queens in Jamaica, but he taught math at Stoneball.
A lot of people remember my grandfather. He was a
coach and a high school math teacher at Stonewall Jackson
High School. He retired in nineteen eighty nine when when Capitol,
(03:25):
where I graduated from in nineteen ninety nine was formed. Yeah,
Deep Ties. You know a funny story about my ties
to Capital. You know, the first ever boys basketball player
to win the Player of the Year is my cousin
Cookie Miller and the first ever football player to win
the Kennedy Award is my cousin kay Sean Haley. Yeah,
(03:49):
on both sides of the family, we got the first
ever players of the Year of football and basketball. And
you know, I was a pretty good athlete to played
with Ricky Sharrod at at Capitol and also played with
Dari and Scott who both you know, played NFL daring
in about seven or eight years, and Ricky Sharrod in
a couple of many camps and from w fame and
(04:09):
Darian from Ohio's Day fame. So I was a pretty
good football player back in the day and set some
weightlifting records back in the day at Capitol and have
grown up right here in Charleston and decided to keep
my family here and keep my businesses here.
Speaker 3 (04:21):
That's fantastic and I always love I've I've had a
circumventous route back to Charleston, but I ended up back
here after leaving for some time. And I always like
when we're able to keep folks here in the valley,
There's no doubt about it. For a guy that had
a lot of interest. And obviously from where you grew up,
what got you on the insurance trail? What made you
start thinking about insurance?
Speaker 4 (04:40):
Yeah, funny store. I used to own retail clothing stores.
Speaker 5 (04:43):
I ran the buckle on the mall for a little
bit and got a taste of commission and sales. I
never even knew I was any good at sales, and
got a taste for that and started, you know, you know,
venturing in to start my own company. Funny stories, every
business I've ever worked in, every end of Trevor I
worked in. I started my own company and including insurance obviously,
And so I started retail clothing stores. And I didn't
(05:05):
have anybody giving me an advice. Everybody was coming in,
you know, advertising or whatever. There was money going out
the door. I'm like, who helps me keep the money
in the door and protects me? You know, where's that
guy at where's that girl that you know? And I
did some research found out it was insurance agents.
Speaker 4 (05:20):
You know.
Speaker 5 (05:20):
I always thought it was CPAs who do a great
job and have a great CPA. I always thought it
was financial advisors, right, And it's actually your insurance agent
that kind of plays that quarterback or that goalie or
that picture that that that you know runs the operation
with all of your other advisors. And so I said,
no one came in to talk to me, there must
be a void in the market. And you know, in
two thousand and seven, which is a long time ago
(05:43):
at this point, put in two thousand and seven, ventured
in and became an independent, not an independent, but a
captive insurance agent and got a taste for the insurance
business selling life, health and disability insurance only that's only product.
Speaker 4 (05:58):
There and for one care right right.
Speaker 3 (06:01):
Right, A little different from what you have now, right,
Slightly different, Yeah, slightly different.
Speaker 4 (06:05):
Yeah.
Speaker 5 (06:05):
And it opened my eyes, you know, I got to
see the corporate structure of it, you know, working for
a Fortune one hundred company, you know, headquartered in New York,
one of the largest companies, you know, one of the
fifty or seventy five largest companies in the United States.
I worked for it for four and a half years,
and I did a great job. They showed me a
ton They gave me a ton of you know, training,
(06:25):
and I traveled. I went to New York City and worked,
and I went to Philadelphia and Dallas and all these
different places. He got all this amazing training. But the
one piece of training that I got that stuck with
me the most was from doctor Randy Marshall. He told
me the difference between a goal and a desire. It
was and it opened my eyes forever, right, and so
you know, you know, he taught me that a goal
(06:47):
was something that you alone can control, and a desire
takes action from someone else. And he said, don't focus
on the the action of someone else. You know, don't
focus on the desire that you want, that sale that
you want, because that takes action from someone else. Focus
on your process. And I started, you know, making calls,
(07:07):
and the calls became my goal.
Speaker 4 (07:10):
And who could stop me from making calls with me?
Speaker 6 (07:12):
Right?
Speaker 5 (07:13):
So it really took off from me after that, and
you know, I became broke some records in that company.
I was leading their Pittsburgh office in sales. The day
I left and said I want to be independent when
or for a local independent agency.
Speaker 4 (07:27):
Wow.
Speaker 3 (07:28):
That, I mean, that's that's I mean that it's truly
how you come across an industry that you find and
you love and that you and you find your way in.
I mean, that's everybody has kind of an origin story
with that, but that's a strong one. I mean where
you really found kind of what you like to do,
You identified where the problem was, you found the different
areas where you could work in, and then you ultimately
found your destination, which is Capital Insurance Group. Where you
(07:49):
took the experience that you had put together from that
point in time, said well how can I help people
out the most and at the same time make a
relevant business for myself exactly.
Speaker 5 (07:57):
You know at the foundation that's helping people at the
end of the day. You know people, I just talked
to a client last night, Yes on Labor Day at
eight forty five at night, I was talking to a
potential client in North Carolina and she's like, I want
to save money. I was like, Hey, that's not what
I do. You know, at the end of the day,
if we save you money, that's that's a win. I
always tell people it's like the cherry on top of
(08:17):
the Sunday, Right, You're gonna take the Sunday whether the
cherry is there or not. But you know, at the
end of the day, we want to we want to
make sure that you have adequate, accurate, competent coverage, right,
and we want to make sure that all your assets
are protected at the end of the day. Because what
I tell people is if one if you ever have
a claim with me, you're never going to fire me too.
At the end of the day, you're gonna wish you
had my policy if a claim does happen, because we're
(08:39):
gonna make sure we cover all those bases.
Speaker 4 (08:41):
Yeah, and we'll get into that.
Speaker 3 (08:43):
Dawn. We talk a lot when Dawn's on the program
about the difference between you know, maybe going through a
captive agent that you've always had and having somebody that
has the whole toolbox that's open for him. I was thinking,
I always, I don't know why, I always thinking of analogies,
but one of the analogies I was thinking about this
morning when I was driving in. Every every morning when
I leave my house, I get a little bit mad
because now it was like twelve years ago that we
(09:04):
paid to have the thing remodeled. But we've been having
this problem for years. And one of the problems is
is the guys. When they were doing the remodeling of
my house, the lead contractor came to me and said, okay,
it's time for the windows. We can do your windows
if you want us to. And he gave us an
estimate for the windows. And the estimate that he gave
me for the windows was about twelve hundred dollars less
than the window company gave me for the windows. I
(09:24):
was like, man, I can say twelve hundred bucks, and this
guy's done a pretty good job so far, so let's
go with this guy. He can do this. So he
put my windows in for me. When the job was
done and they looked great. Everything was fine. Come a
couple years later, and it's hard to track these things
when you're talking about the long bend of time. But
a couple of years later, my window, the trim is
rotting out that they didn't use treated lumber for the thing.
(09:47):
Like the thing looked all right, but it was not
put in correctly. You know, there was like a lot
of problems. Esthetically it looked fine once you get underneath
the hood of the thing, all kinds of problems with weather,
water treatment, different things along those lines. And I can't
help but to think, and an analogy standpoint, that's like
having a generalist insurance company do your insurance for you,
and then you have a specific problem later and you
find out, Man, I wish I would have gone, I
(10:09):
wish I had a better policy there.
Speaker 5 (10:10):
Yeah, the days of one insurance company being able to
do everything for every situation, well, I don't think they
ever existed. The carriers think they exist, right, because even
the carriers I work with, right, some of them specialize
in a particular product.
Speaker 4 (10:25):
Right.
Speaker 5 (10:25):
We have Neptune for flood, we have NCIP for flood.
All they do is flood and earthquake stuff like that, right,
natural disaster type stuff. But some carriers right tend to
think they can do absolutely everything for each client, and
it's simply not true. You know, you have to have
one an agent that's competent, right, that understands that one
(10:46):
carrier doing everything for each situation is just not it's
not possible, right, And then two having the option right
to work with multiple carriers to help you facilitate and
protect all of your assets, you know, with that proper
protection right with that proper carrier, and understanding what we
call each carrier's appetite and competency that they're really good at, right,
(11:09):
and then placing you with that carrier. That's how we
were able to help save people, on average over eight
hundred and fifty dollars a year on their insurance.
Speaker 3 (11:16):
And like you said, it's nice that you're able to
save that money. And obviously you're able to put the
things together in a kind of a logical fashion where
you're not overpaying for some things, you're paying more where
you need it, whatever it might be. But even if
you even if it was flush, even if you didn't
save any money at the end of that the fact
that you would have customized insurance policies for exactly what
it is that you need where you didn't have any
(11:37):
of that gaps that you had to worry about where
you had your custom everybody's life is custom in some way.
Nobody has a cookie cutter life. And so if that
one little area that's not cookie cutter in their life,
that a typical policy is not going to cover them,
and they're covered now. I mean even that is great
for peace of mind, not to mention the fact that
you could probably save them some money, right right. You know,
for me, it's kind of like this too, because you know,
(11:58):
I don't know you guys probably don't keep over with
the insureurance news and transactions, right, but this light bulb
just went off. Right, So you know, you go into
the huge hardware store, we won't name anybody, right, a
huge hartware store.
Speaker 4 (12:08):
Right.
Speaker 5 (12:08):
You're looking for specialization, right, tell me what this thing
does with this? And then you go into the local place, right,
we won't name any companies, but you know the exact experience, right.
You're going to get more expertise from that mom and
pop place, right, and that's Capital Insurance Group. I don't
know if you guys know you guys haven't heard the news.
But an insurance agency just two weeks ago, not an
(12:30):
insurance company, an insurance agency, so for thirteen and a
half billion dollars, not an insurance company, just an insurance
agency where's worth more than the Lakers, right.
Speaker 4 (12:46):
Imagine the large all the red tape, all the stuff all.
Speaker 5 (12:51):
You know, you're not getting that same customer care from
a fourteen billion dollar insurance agency.
Speaker 4 (12:59):
You're just not.
Speaker 5 (13:00):
Maybe at large multinational company is right, but for your
home and auto, not a chance. And so we are
that small expert expert, right, that is going to give
you that customer care, that customer satisfy, satisfaction, and that
carrier understanding, right, because we care about each and every
(13:20):
client as an individual.
Speaker 3 (13:22):
And you guys automatically, you guys have a limit where
you automatically look at people's policies too, right, So you
don't let anybody have like that policy that hasn't been
looked at in five years or whatever.
Speaker 5 (13:33):
We call it the we shop program, right, and so
we shop you save, right, We shop for the insurance
for you, kind of like your personal insurance shopper, right,
kind of like instagar for insurance. And so we every
year at your renewal, about forty five to seventy five
days out, we send you an email and say, hey,
it's time to review your policy. You know what's changed?
Does anything change? Tying to book your renewal consultation right.
(13:58):
But then behind the scenes, my staf half of probably
six different people are looking at each renewal and they're saying, oh,
this one went up too much. The carrier did something
we don't like, right, and you don't even know this
is happening. But behind the scenes, we go in and
reshop your policy with all of our carriers. Sometimes we've
added a new carrier, Sometimes the carriers merged. Sometimes a
carrier's made a purchase, and that leads to price changes,
(14:22):
right and appetite changes. We go in and we've saved
our own clients five six, seven, eight hundred dollars a
year from their renewal with a policy that we wrote.
What that means is we're your agent, not the agent
for the insurance carrier.
Speaker 3 (14:36):
And that makes such a difference when you have somebody
that's on your side, not trying to play the middle
man or whatever it might be. I mean, you're you
as an independent you're not beholden to that. I mean,
you're working for the person that that hired you.
Speaker 4 (14:46):
To work for.
Speaker 5 (14:47):
Yep, if you hire a captive agent, you can't really,
honestly can't.
Speaker 4 (14:51):
They have a job.
Speaker 5 (14:53):
They work for an insurance carrier, an independent agent you
can hire, we work for you.
Speaker 3 (14:57):
And I find that the whole exploration of what you
do with cap of Insurance. And I'm and we'll take
a break here in a moment when we come back,
I want to make sure that we that we talked
about not only the residents what you do, but for
for business too.
Speaker 4 (15:08):
And one of the things you said a little bit
ago that really resonated with me.
Speaker 3 (15:11):
You were talking about how you were doing things and
in retail and nobody, nobody came to you, like they
didn't tell you that you needed insurance. And I've learned
so much more. I was a business owner for a decade.
I owned businesses in three different states myself. You know,
I had a I had a like a quote unquote
franchise I helped open in Toronto. I mean, I was
doing some business, you know. And man, there is not
(15:34):
one single insurance agency that came to me with I mean,
obviously I looked out myself for myself. But as far
as like somebody coming to me and being like, let
me tell you what we can do for you and
why you need my services and explain it to me,
it would have been a cell.
Speaker 4 (15:48):
I mean, I mean, honestly, it would have been a sell.
A lot of those guys are having enough business. Yeah, yeah,
that's probably it, right, And they looked at I mean,
they're not waking up to get on the radio and
talk to people.
Speaker 3 (15:58):
That's right, that's right, and that's what that's you need
somebody like Don Wilson to pay attention to that. Let's
go ahead and do this. Let's ahead and take a break.
When we come back, let's talk about all the different
stuff that you offer. We'll talk about we'll start with
obviously what folks can help from a personal standboy, from
a personal standb from just an individual, but also let's
talk about what businesses can.
Speaker 4 (16:15):
Do and things along those lines. When we come back.
Speaker 3 (16:17):
If you have any questions along those lines, you can
give us a call three zero four three four five
fifty eight fifty eight three four five fifty eight fifty eight.
You can text three zero four non three five five
zero zero eight. You can find out more information about
Capital Insurance Group online SEIGWV dot com, that cigwv dot
com and their phone number three zero four non non
three save three zero four non non three save. We'll
take a break and be back right after this. You're
(16:38):
listening to ask the expert. Don Wilson is here from
Capital Insurance Group. This is five ADWCHS the Voice of Charleston.
Speaker 6 (16:44):
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Speaker 7 (17:43):
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Facts, and we're back. You're listening to ask the expert
w c HS. The voice of Charles and I'm Del Cooper.
Thanks for tuning in on this this Tuesday morning. It's
a beautiful morning out there. Don Wilson is with us
this morning from Capital Insurance Group, taking your phone calls
at three zero four three four.
Speaker 4 (19:26):
Five fifty fifty eight three four five fifty eight fifty eight.
Speaker 3 (19:28):
You can find out more information online Capital Insurance Group,
CEIGWV dot com, CIGWV dot com. Tons of stuff that
we have to talk about still this morning, and I
wanted to talk a little bit about obviously when we
talk about insurance and we talk about the difference between
being a captive agent and being like Don, who is
not a captive agent. That means and just to remind
(19:48):
folks exactly what that means. You have no issue with
Progressive all State, State Farm, any of those things. You
just like him so much. You like to use all
of them. You don't like to just use one. Yeah, yeah,
I don't. I don't use some of those, but use most.
You know, our top carriers are progressive. Uh.
Speaker 5 (20:04):
We use Progressive, Triple A, Geico, uh, Safego, Liberty, Mutual Travelers, Hartford,
you name it.
Speaker 4 (20:10):
We work with them.
Speaker 3 (20:11):
Uh.
Speaker 5 (20:12):
Some of the top insurance carriers in the country uh
In Cova, which is locally owned and operated here uh
In uh In West Virginia uh formerly Brick Street uh.
So we work with a ton of carriers, Farmers Farmers
uh their their elite brand Foremost is one of our
carriers as well. And so that just gives us the
ability to shop for you, right, we can do. Let
(20:34):
the insurance experts go out and shop for you for
new insurance on the big thing is you can go online. Yes,
you can go online and do that, but what we've
found is most people without a license don't understand which
coverage are most important.
Speaker 4 (20:49):
Right. They're looking at comprehensive and collision. Yes, that's important.
Speaker 5 (20:53):
That's the coverage on your vehicle, But everything else, right
is for your the damages that you call, which is liability,
which is the major thing that you need to make
sure that you have adequate coverage for. And most people
are going out and buying state minimum limits and not
knowing it by shopping on their own, Right, why not
(21:13):
let an insurance professional do it for you. And you
can go right to our website click get a quote. Right,
you pick your insurance carrier, You log into your insurance
carrier's website right from that link, and it will send
us your documents right and then you can let us
do the rest. You sit back and enjoy the rest
of your day or go to work or whatever you're doing,
(21:34):
while we shop for you to get the best coverage
at the best price.
Speaker 3 (21:38):
So you don't even have to incessily talk to anybody.
First of all, you can just go to get the
quote and feel that I just saw that on your
website on there, And the reason I asked this I
think I mentioned last week, and I'll tell a real
time story. I will this week. I will put my
information in and next week we'll talk about it. Yeah,
because I had a situation, maybe you can explain for
folks out there, because there's got to be people that
run into this, and I've been hearing it a lot,
so I know there's got of people out there. I've
(21:59):
had the same insurance company for years, for years, no
major issues, nothing else. My credit score may not be perfect,
but it's darn close to perfect. I mean, if there's
not a nine hundred credit score, I'm as close as
you can get. I mean, it's what it's eight fifty
or something. I think at highest, I'm darned close to that.
So I mean, no issue with credit, never a mispayment,
no problems like that. My payment went up like one
(22:20):
hundred and ninety dollars a year or something like that,
or no, two hundred and ninety dollars a year, this
past this past billing I got, and I gotta admit
I was a little bit like, what why did I
do wrong? What did I mean? How am I not
the perfect client? I never have a claim and I
have perfect credit? What is what is my problem here?
Why that's my rate?
Speaker 5 (22:38):
Here's why you fit in the class right, in class
or demographic of people who are probably not going to change. Right,
You've been there twenty years, comfortable with it, Yes, you've
been there twenty years. And I'm telling you large companies
the most valuable thing on earth one time to information right,
information right. The more information you have, the more you
(23:02):
can do with it. And I'm telling you they can
pinpoint two a percentage down to a dollar. How many
people that have been with them over fifteen years are
going to leave if they increase their prices xyz right,
And that's higher than it would be if it was
twenty five years, and it's higher than if it was
thirty five years. And the people that stay the longest
(23:22):
with one carrier, you don't have leverage because you've been
there too long and you're too comfortable. You have to
get uncomfortable, right, and you have to do something that
you haven't done, and that's work with an independent agent,
because that puts the power in your hands and takes
it out of the hands of the insurance carrier.
Speaker 3 (23:41):
Now, it may be that there's companies that still offer
this sort of thing, but it seems to me that
one of the things you would hear some places advertised
about would be like discounts for long term clients and
different things along those lines. I don't seem to hear
that leading the call for new clients that much anymore.
Speaker 5 (23:57):
Yeah, that's before we had all this wild weather, right,
We've had a couple of tornadoes and West Virginia and
Ohio and places like that, and these all these hell
storms and things of that nature, and insurance companies are
being hit. They're scrambling, right, and the best way to
find money or for or from their most loyal customers.
Speaker 3 (24:14):
And the nice thing, if the way I understand it,
if I take all my information. I put it in
online and you guys are able to pull my information
give me quotes and things like that. It's also going
to be meeting your minimum threshold of guidelines on those
quotes as well. So I'm not going to be getting
the minimum, dirt Dog. We don't on any of.
Speaker 5 (24:28):
That well minimum, yeah, yeah, we don't sell the minimum.
And in some cases, and not to scare anybody, but
in some cases, if you come to us with the
minimum and you're not willing to go to our limits.
Speaker 4 (24:41):
We can't work with you.
Speaker 5 (24:42):
Yeah, because we can't see you the minimum because I'm
using I'm paying ninety dollars for the minimum.
Speaker 4 (24:48):
Congratulations. There's nothing I can do for.
Speaker 3 (24:50):
You, because I got to tell you that's the problem
I ran into. I wanted to kind of test this
out a little bit going to any of these sites
where you kept like the general.
Speaker 4 (24:58):
Sites like check my interns. I'll come.
Speaker 3 (24:59):
I don't know if that's one the ones that you
can go to and get your entrance rates checked, they'll
do it for you. But the quotes they're returning back
to you are assuming minimums the cheapest possible. The chef
of and I don't want that. I don't want the
cheapest possible. I want a good a good one. But
treat me with respect. That's all I'm asking for that.
Speaker 5 (25:13):
Most people to understand under and uninsured, Right, you can
be anyone. No matter what your limits are, you can
be under insured. It's based on how much damage you CAUs.
You could have a million dollars in limits. You call
calls more than a million dollars in damage, you're under injured.
Most people don't understand that they're going to have I
had two fifty five hundred. I'm good unless you cause
more damage than your coverage is, right, and that's where
(25:36):
umbrellas and things of that nature come in and hire.
You know liability limits, and we do that. We'd give
a full assessment, a full consultation, and it costs you
nothing to call us and work with us. It costs
you nothing to go to CIGWV dot com click get
a quote. I'm telling you it takes literally twenty to
thirty seconds. We get your information. Our team will then
(25:58):
reach out run the quotes for you, find you the
best prices, and you may save eight hundred, nine hundred
dollars a year because you spent thirty five second. That's
a pretty good pay rate. Yeah, that is thirty five
seconds for nine hundred bucks.
Speaker 3 (26:11):
Man, I just spent a couple of minutes and you
see what you can come up with for it, right,
I mean, I'm looking forward to checking it out because
it's just one of those things that gets a little mad.
And you're right, if you leave that thing go forever,
I mean before you know it. I mean, a a
little bit of rate increase here, a little bit of rate.
And I went back to my records. My rate's been
going up every single year. They're going it's a slow drip.
It is two hundred dollars at a time over the
course of thirty years. Is a lot of money.
Speaker 4 (26:33):
Yeah, it is. Man.
Speaker 3 (26:34):
I couldn't believe it. I don't know what they were
doing to me. So I'm looking forward to checking that out.
And I mentioned earlier too that I used to to
own some retail businesses, and again I'm surprised, especially after
talking to you, that nobody ever came to me and
was like, hey, this is what you need to have
for your business. I mean I had to go out
and seek people and get the protections that I needed,
but nobody came to me and said, well you went
and patch work this stuff together. Let me tell you
(26:56):
what I can do for you in hole, and I'll
carry you right right now. It would have been a
huge benefit for me. So let's talk a little bit
about businesses. What should a business owner look at first
and foremost. You know you're starting let's call it a
brick and mortar operation first, So you have your brick
and mortar operation, you have your retail operation, whatever it
might be, and you think, okay, I need to get
my business and my employees and everybody taking care of
what do they need to consider?
Speaker 4 (27:17):
First things?
Speaker 5 (27:18):
First, you need to start with a BOP. It's BOP
business owners policy, Right. What does it cover. It's kind
of like your homeowner's insurance before your business. It's going
to cover everything inside. It'll cover the building if you
own it, if you don't own the building, It's kind
of like renters insurance, so everything inside. Liability, business interruption.
(27:38):
I'm sure people remember that from the water crisis and
from COVID Right, business interruption. It can also be endorsed
to include employment practices, liability, cybersecurity, things of that nature.
Speaker 4 (27:50):
Right.
Speaker 5 (27:50):
The biggest things though, are one all of the business.
Personal property, so your desks, your furniture, your computers, that stuff. Right, liability,
someone comes onto your property, slips and falls, right, or
you CAUs harm if you're like a landscaper or something
like that, you damage someone else's property while you're cutting grass,
(28:12):
and then the business interruption, right, huge water loss inside
the building that you occupy, and you can't occupy the building,
and say you're a bakery, right, and there's a small
fire right in the kitchen and you can't operate for
three months.
Speaker 4 (28:28):
Right.
Speaker 5 (28:28):
One, it can help you find a new place to operate.
Out of two, it can make up for the lost income.
And a big one that people don't talk about and
most people don't understand. It's called hired and non own liability.
So if anyone from your any of your employees or
you drives for the business anywhere, that's to get supplies,
that's to grab lunch, any sort of driving their personal
(28:51):
vehicle for the business, and they getting an accident, this
will provide liability coverage as well. You can typically do
that right on a small business like a baker, or
a law firm or doctor's office, something like that. An accountant,
you tell me to do that for like fifty to
eighty bucks a month. Yeah right, yeah, and you get
all that coverage.
Speaker 4 (29:11):
Right.
Speaker 3 (29:12):
It just seems like that, And that's exactly the type
of thing you tap into when you're talking to somebody
knows exactly what they're talking to that and it knows
the nuance of these situations. You mentioned something there a
moment ago. The one good piece of advice I remember
getting from someone who I was talking about when I
was talking about my inventory and ensuring my business is
one of the things that I did on the cheap
is I put together my own network for my business.
(29:32):
And I did it by there was a power company
Consumer's power up in Michigan would auction off some of
their computer equipment, So I like, I've literally strung this
thing together off of a shoe string budget. I would
go over and I would buy these terminals and these
empty disk drives. I would install Linux on them so
it was a free operating system. I would put my
network together. So this was like I literally had hundreds
(29:52):
of dollars invested in something that should have cost me
thousands of dollars. And when I was talking to my
agent of it, I was like, oh, man, I got
a good deal on that stuff. I shouldn't have to
you know that, you know we can keep that on
the low end. He's like, why in the world would
you want to do that? Can you can? You can
you redo all that again at the same cost. You
would never be able to do that. You would have
to you would have to replace that. You're never going
to be able to rebuild it the way you did
before over the years of time that you put into
(30:14):
doing it. I never thought about it like I was like, oh, hey,
I did it on the cheap, so I needed insurance
for the cheap. That's not true at all. You need
to insurance for what you would have had to do
if you didn't save the money doing it on the chief.
Speaker 5 (30:24):
Insurance is based or replacing exactly replacement, right, because you
can't replace that stuff unless you have it right, and
so you can't operate without it, right, And so we
replaced the things that you can't operate without. And that's
what insurance does. And so and then another thing too
is once you get employees right, and I know a
lot of people get these calls every day.
Speaker 4 (30:45):
I don't have any employees.
Speaker 5 (30:46):
I'm operate my business without employees, and it's like, man,
how many how many roofing jobs do you do?
Speaker 4 (30:51):
You?
Speaker 2 (30:51):
Oh?
Speaker 5 (30:51):
We do man, we can do a roof in two days. Wow,
by yourself, by yourself. That was my cousin's months and
uncles that help me. Employees that they don't own the business.
So as soon as you get non owner employees right,
so they're not on the articles of incorporation. This goes
for a spouse to if your spouse works for you
(31:12):
and she's not he or she is not on the
articles of incorporation, that is an employee right because they
don't own the business. And you have to, by state
law have workers compensation. In West Virginia, you cannot operate
without workers compensation if you have any amount of payroll. Right,
And so you want to reach out to an insurance
(31:34):
professional that can introduce you to an insurance carrier and
a comprehensive plan for all things insurance that your business
may need. Because if you're in a situation where there
is that fire in that kitchen and your bakery, right
and you can't operate for ninety to one hundred and
twenty days while while it's repaired, where does that money
come from?
Speaker 4 (31:52):
Right?
Speaker 5 (31:52):
And we want to make sure that you have adequate
coverage for every single need and every single situation.
Speaker 3 (31:58):
Men can't I can't stress that enough either, because I
tried to run my old business and I we were
in Jackson, Michigan is where our kind of our world
operations was when we sort of franchised out from there.
But we tried to like make a council of small
businesses in the area and things like that. You know,
we would we were relatively successful, we would bring people in.
But people make a lot of small business owners make
(32:21):
a lot of small mistakes that lead to large consequences,
like over spending on a menu, you know when you're
opening up, like you don't need that glossy menu. Let's
get your business going first. But loss of operation costs
is one of those things that like in Michigan, you
would have like national emergencies on weather and you would
have from snowstorms, you would have roads would be closed
for a weakers, people couldn't get anywhere. Your businesses were closed.
(32:43):
I mean, if you didn't have you know, the way
that I looked at it at the time, with savings,
but also you have to look at it as if
you have an insurance policy that will make you hold
on any of this stuff that you lose. And if
you don't know how to how to get that or
that it's even possible, like I didn't at one time.
That's a whole area you could go out of business
business where normally you wouldn't.
Speaker 4 (33:02):
Have if you recover correctly.
Speaker 5 (33:03):
I've seen it, yeah, yeah, for sure, I watched it firsthand.
And you know, it's all about having the proper advisors
right and having the adequate coverage. And it's it's as
simple as fifty to seventy five dollars per months, so
to think of it sometimes to cover everything, all of
your livelihood right and your ability to earn an income,
(33:25):
you know, and we you know you have to have
these sorts of things right put in place prior to
because after the fact it's too late.
Speaker 3 (33:33):
Well, I'll tell you what I want to do. We
have about a minute left in the program. I want
to put it to the test. I wanted to check
out my situation. Mine's super easy. So I don't have
any like I don't have any vacation properties or stuff like that.
A couple couple of cars and a house and some
stuff and We'll see how that goes, but I know
that it's going to be good. Literally literally takes thirty second. Yeah,
I'm going to look forward to it. I'll be able
to walk folks through how that works the next time
(33:53):
we come on. And as far as like an elevator pitch,
as far as Capitol Insurance Group, Don Don Wilson's a
Charleston product, It's been there forever, grew up in the valley.
If you were talking to somebody on the street corner
telling them about your business, how would you get him
to give you a call?
Speaker 4 (34:06):
I would say.
Speaker 5 (34:07):
The first thing is, I'm the only endorsed insurance agent
in the state of West Virginia by Dave Ramsey one.
I'm eighteen years experience, and you can reach us at
three zero four nine to nine three save or cigwv
dot com.
Speaker 4 (34:19):
That's great information.
Speaker 3 (34:20):
So again that is three zero four nine none three
save three zero four non none three save online at
cigwv dot com. Cigwv dot com. Don Wilson comes in
here every month and either on Tuesday or Wednesdays we're
working on through the schedule. We can go to WHS
network dot com slash expert and you can find our
calendar of schedules up there, and you can find Don's
next program up there. Then, Don, thank you so much
(34:41):
for your time again today, had a great time, great discussion.
Thank you so much for that having me glad to
be here. Thanks a lot, We really appreciate that. That
is Don Wilson from Capital Insurance Group once again CIGWV
dot com. We'll take take a break, coming back after
the news. At the top of the hour, Dave Allen
will be here with five eighty Live. After that'll be
Dave and TJ. That's Dave Wilson and TJ on talk Line,
(35:01):
and then Dave Allen and Amanda Baron will be back
this afternoon for midday, and then I'll be back this
afternoon with Dave Weekly on Metro News Hotline. Have a
great day, everyone, and thanks so much for tuning in.
This is five ADWHS, the Voice of Charleston
Unlock your dream property with Meeks Realty Group, where Rich
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Speaker 2 (00:15):
The views and opinions expressed on this program do not
necessarily reflect the views and opinions of five eight WCCHS
it's employees or WVRC Media.
Speaker 3 (00:40):
You're listening to as the expert. Have you SEHS the
Voice of Charleston. Happy Tuesday morning too, you made it
through the weekend. Things are going well here in the
state of West Virginia, in the city of Charleston, and
I've welcome into the studio with me this morning is
Don Wilson from Capital Insurance Group, the owner of Capital
Insurance Group right here in Charleston. Don, good morning, How
are you doing this morning? Hey, good morning, doing great man.
I am always looking forward to having our conversations. And
(01:02):
by the way, if you have any questions this morning
and give us a call. Three zero four three four
five fifty eight fifty eight three four five fifty eight
fifty eight. Don's been on the air with us off
and on over the last few years. We've been back
on the airwaves here for a couple of months now.
But it is a good idea too for folks that
because we have folks that come in and out of
here all the time, that we want to make sure
folks know who you are, who Don Wilson is what
(01:22):
that means. You have a deep ties to this community.
You've you've kept your business here Capital Insurance Group the
worldwide headquarters right here in Charleston. But I think we
could probably start back at the beginning of little Wait,
by the way, good morning, how you doing.
Speaker 4 (01:35):
I'm doing great here? Did you have a good holiday weekend?
And everything feels like a Monday? But it's like a Monday?
Speaker 3 (01:42):
Wait when when you're in school? This and the work
week always reminds me of this as well. To be
quite honest with you, the short work weeks are usually
worse weeks than just a regular week.
Speaker 5 (01:52):
What you mean, especially in our business too, I mean
we're going to have probably twice the calls we would
on a normal Monday, right or a No two Tuesday, right,
And this is a Tuesday, and it's no you know
in the insurance business, you don't really there is no
seasonal you know, like in retail, it's gonna be really
busy back there.
Speaker 4 (02:09):
It's always busy, right, everybody.
Speaker 5 (02:10):
Insurance, everybody, and everybody was on the highways this weekend,
and uh, you know people's homes were empty.
Speaker 4 (02:16):
All that's true.
Speaker 5 (02:18):
Then you got the water issues and all that stuff.
And not to man, I don't not to mentional. We
have people out on vacation, so it's a great day.
Speaker 4 (02:25):
Yeah, no doubt. Insurance.
Speaker 3 (02:27):
I could imagine that Capital Insurance group. But by the way,
you can give a give him a call if you
have any questions during the course of our conversation.
Speaker 4 (02:33):
You don't necessarily want to call in the radio.
Speaker 3 (02:34):
You can give a Capital Insurance call their number threes
or four now non three saved threes are four, no
non three save. But I thought it would be a
good idea, Well, Don thought it would be a good idea.
And he's right for him to kind of re introduce
himself just a little bit to uh, to our area here,
because you've been here for a long time. You've been
you've been h our independent agent for a long time.
As far as UH insurance goes. But folks need to
(02:57):
know who you are. You have Deep Tais High School
here in the community. You've been all the I mean,
I mean you are a Charleston god basically.
Speaker 4 (03:02):
Oh yeah, born and raised on Charleston's West Side.
Speaker 3 (03:05):
Yeah.
Speaker 5 (03:05):
Where my grandfather actually, who lived in Dunbar, grew up
in Jamaica, Queens in Jamaica, but he taught math at Stoneball.
A lot of people remember my grandfather. He was a
coach and a high school math teacher at Stonewall Jackson
High School. He retired in nineteen eighty nine when when Capitol,
(03:25):
where I graduated from in nineteen ninety nine was formed. Yeah,
Deep Ties. You know a funny story about my ties
to Capital. You know, the first ever boys basketball player
to win the Player of the Year is my cousin
Cookie Miller and the first ever football player to win
the Kennedy Award is my cousin kay Sean Haley. Yeah,
(03:49):
on both sides of the family, we got the first
ever players of the Year of football and basketball. And
you know, I was a pretty good athlete to played
with Ricky Sharrod at at Capitol and also played with
Dari and Scott who both you know, played NFL daring
in about seven or eight years, and Ricky Sharrod in
a couple of many camps and from w fame and
(04:09):
Darian from Ohio's Day fame. So I was a pretty
good football player back in the day and set some
weightlifting records back in the day at Capitol and have
grown up right here in Charleston and decided to keep
my family here and keep my businesses here.
Speaker 3 (04:21):
That's fantastic and I always love I've I've had a
circumventous route back to Charleston, but I ended up back
here after leaving for some time. And I always like
when we're able to keep folks here in the valley,
There's no doubt about it. For a guy that had
a lot of interest. And obviously from where you grew up,
what got you on the insurance trail? What made you
start thinking about insurance?
Speaker 4 (04:40):
Yeah, funny store. I used to own retail clothing stores.
Speaker 5 (04:43):
I ran the buckle on the mall for a little
bit and got a taste of commission and sales. I
never even knew I was any good at sales, and
got a taste for that and started, you know, you know,
venturing in to start my own company. Funny stories, every
business I've ever worked in, every end of Trevor I
worked in. I started my own company and including insurance obviously,
And so I started retail clothing stores. And I didn't
(05:05):
have anybody giving me an advice. Everybody was coming in,
you know, advertising or whatever. There was money going out
the door. I'm like, who helps me keep the money
in the door and protects me? You know, where's that
guy at where's that girl that you know? And I
did some research found out it was insurance agents.
Speaker 4 (05:20):
You know.
Speaker 5 (05:20):
I always thought it was CPAs who do a great
job and have a great CPA. I always thought it
was financial advisors, right, And it's actually your insurance agent
that kind of plays that quarterback or that goalie or
that picture that that that you know runs the operation
with all of your other advisors. And so I said,
no one came in to talk to me, there must
be a void in the market. And you know, in
two thousand and seven, which is a long time ago
(05:43):
at this point, put in two thousand and seven, ventured
in and became an independent, not an independent, but a
captive insurance agent and got a taste for the insurance
business selling life, health and disability insurance only that's only product.
Speaker 4 (05:58):
There and for one care right right.
Speaker 3 (06:01):
Right, A little different from what you have now, right,
Slightly different, Yeah, slightly different.
Speaker 4 (06:05):
Yeah.
Speaker 5 (06:05):
And it opened my eyes, you know, I got to
see the corporate structure of it, you know, working for
a Fortune one hundred company, you know, headquartered in New York,
one of the largest companies, you know, one of the
fifty or seventy five largest companies in the United States.
I worked for it for four and a half years,
and I did a great job. They showed me a
ton They gave me a ton of you know, training,
(06:25):
and I traveled. I went to New York City and worked,
and I went to Philadelphia and Dallas and all these
different places. He got all this amazing training. But the
one piece of training that I got that stuck with
me the most was from doctor Randy Marshall. He told
me the difference between a goal and a desire. It
was and it opened my eyes forever, right, and so
you know, you know, he taught me that a goal
(06:47):
was something that you alone can control, and a desire
takes action from someone else. And he said, don't focus
on the the action of someone else. You know, don't
focus on the desire that you want, that sale that
you want, because that takes action from someone else. Focus
on your process. And I started, you know, making calls,
(07:07):
and the calls became my goal.
Speaker 4 (07:10):
And who could stop me from making calls with me?
Speaker 6 (07:12):
Right?
Speaker 5 (07:13):
So it really took off from me after that, and
you know, I became broke some records in that company.
I was leading their Pittsburgh office in sales. The day
I left and said I want to be independent when
or for a local independent agency.
Speaker 4 (07:27):
Wow.
Speaker 3 (07:28):
That, I mean, that's that's I mean that it's truly
how you come across an industry that you find and
you love and that you and you find your way in.
I mean, that's everybody has kind of an origin story
with that, but that's a strong one. I mean where
you really found kind of what you like to do,
You identified where the problem was, you found the different
areas where you could work in, and then you ultimately
found your destination, which is Capital Insurance Group. Where you
(07:49):
took the experience that you had put together from that
point in time, said well how can I help people
out the most and at the same time make a
relevant business for myself exactly.
Speaker 5 (07:57):
You know at the foundation that's helping people at the
end of the day. You know people, I just talked
to a client last night, Yes on Labor Day at
eight forty five at night, I was talking to a
potential client in North Carolina and she's like, I want
to save money. I was like, Hey, that's not what
I do. You know, at the end of the day,
if we save you money, that's that's a win. I
always tell people it's like the cherry on top of
(08:17):
the Sunday, Right, You're gonna take the Sunday whether the
cherry is there or not. But you know, at the
end of the day, we want to we want to
make sure that you have adequate, accurate, competent coverage, right,
and we want to make sure that all your assets
are protected at the end of the day. Because what
I tell people is if one if you ever have
a claim with me, you're never going to fire me too.
At the end of the day, you're gonna wish you
had my policy if a claim does happen, because we're
(08:39):
gonna make sure we cover all those bases.
Speaker 4 (08:41):
Yeah, and we'll get into that.
Speaker 3 (08:43):
Dawn. We talk a lot when Dawn's on the program
about the difference between you know, maybe going through a
captive agent that you've always had and having somebody that
has the whole toolbox that's open for him. I was thinking,
I always, I don't know why, I always thinking of analogies,
but one of the analogies I was thinking about this
morning when I was driving in. Every every morning when
I leave my house, I get a little bit mad
because now it was like twelve years ago that we
(09:04):
paid to have the thing remodeled. But we've been having
this problem for years. And one of the problems is
is the guys. When they were doing the remodeling of
my house, the lead contractor came to me and said, okay,
it's time for the windows. We can do your windows
if you want us to. And he gave us an
estimate for the windows. And the estimate that he gave
me for the windows was about twelve hundred dollars less
than the window company gave me for the windows. I
(09:24):
was like, man, I can say twelve hundred bucks, and this
guy's done a pretty good job so far, so let's
go with this guy. He can do this. So he
put my windows in for me. When the job was
done and they looked great. Everything was fine. Come a
couple years later, and it's hard to track these things
when you're talking about the long bend of time. But
a couple of years later, my window, the trim is
rotting out that they didn't use treated lumber for the thing.
(09:47):
Like the thing looked all right, but it was not
put in correctly. You know, there was like a lot
of problems. Esthetically it looked fine once you get underneath
the hood of the thing, all kinds of problems with weather,
water treatment, different things along those lines. And I can't
help but to think, and an analogy standpoint, that's like
having a generalist insurance company do your insurance for you,
and then you have a specific problem later and you
find out, Man, I wish I would have gone, I
(10:09):
wish I had a better policy there.
Speaker 5 (10:10):
Yeah, the days of one insurance company being able to
do everything for every situation, well, I don't think they
ever existed. The carriers think they exist, right, because even
the carriers I work with, right, some of them specialize
in a particular product.
Speaker 4 (10:25):
Right.
Speaker 5 (10:25):
We have Neptune for flood, we have NCIP for flood.
All they do is flood and earthquake stuff like that, right,
natural disaster type stuff. But some carriers right tend to
think they can do absolutely everything for each client, and
it's simply not true. You know, you have to have
one an agent that's competent, right, that understands that one
(10:46):
carrier doing everything for each situation is just not it's
not possible, right, And then two having the option right
to work with multiple carriers to help you facilitate and
protect all of your assets, you know, with that proper
protection right with that proper carrier, and understanding what we
call each carrier's appetite and competency that they're really good at, right,
(11:09):
and then placing you with that carrier. That's how we
were able to help save people, on average over eight
hundred and fifty dollars a year on their insurance.
Speaker 3 (11:16):
And like you said, it's nice that you're able to
save that money. And obviously you're able to put the
things together in a kind of a logical fashion where
you're not overpaying for some things, you're paying more where
you need it, whatever it might be. But even if
you even if it was flush, even if you didn't
save any money at the end of that the fact
that you would have customized insurance policies for exactly what
it is that you need where you didn't have any
(11:37):
of that gaps that you had to worry about where
you had your custom everybody's life is custom in some way.
Nobody has a cookie cutter life. And so if that
one little area that's not cookie cutter in their life,
that a typical policy is not going to cover them,
and they're covered now. I mean even that is great
for peace of mind, not to mention the fact that
you could probably save them some money, right right. You know,
for me, it's kind of like this too, because you know,
(11:58):
I don't know you guys probably don't keep over with
the insureurance news and transactions, right, but this light bulb
just went off. Right, So you know, you go into
the huge hardware store, we won't name anybody, right, a
huge hartware store.
Speaker 4 (12:08):
Right.
Speaker 5 (12:08):
You're looking for specialization, right, tell me what this thing
does with this? And then you go into the local place, right,
we won't name any companies, but you know the exact experience, right.
You're going to get more expertise from that mom and
pop place, right, and that's Capital Insurance Group. I don't
know if you guys know you guys haven't heard the news.
But an insurance agency just two weeks ago, not an
(12:30):
insurance company, an insurance agency, so for thirteen and a
half billion dollars, not an insurance company, just an insurance
agency where's worth more than the Lakers, right.
Speaker 4 (12:46):
Imagine the large all the red tape, all the stuff all.
Speaker 5 (12:51):
You know, you're not getting that same customer care from
a fourteen billion dollar insurance agency.
Speaker 4 (12:59):
You're just not.
Speaker 5 (13:00):
Maybe at large multinational company is right, but for your
home and auto, not a chance. And so we are
that small expert expert, right, that is going to give
you that customer care, that customer satisfy, satisfaction, and that
carrier understanding, right, because we care about each and every
(13:20):
client as an individual.
Speaker 3 (13:22):
And you guys automatically, you guys have a limit where
you automatically look at people's policies too, right, So you
don't let anybody have like that policy that hasn't been
looked at in five years or whatever.
Speaker 5 (13:33):
We call it the we shop program, right, and so
we shop you save, right, We shop for the insurance
for you, kind of like your personal insurance shopper, right,
kind of like instagar for insurance. And so we every
year at your renewal, about forty five to seventy five
days out, we send you an email and say, hey,
it's time to review your policy. You know what's changed?
Does anything change? Tying to book your renewal consultation right.
(13:58):
But then behind the scenes, my staf half of probably
six different people are looking at each renewal and they're saying, oh,
this one went up too much. The carrier did something
we don't like, right, and you don't even know this
is happening. But behind the scenes, we go in and
reshop your policy with all of our carriers. Sometimes we've
added a new carrier, Sometimes the carriers merged. Sometimes a
carrier's made a purchase, and that leads to price changes,
(14:22):
right and appetite changes. We go in and we've saved
our own clients five six, seven, eight hundred dollars a
year from their renewal with a policy that we wrote.
What that means is we're your agent, not the agent
for the insurance carrier.
Speaker 3 (14:36):
And that makes such a difference when you have somebody
that's on your side, not trying to play the middle
man or whatever it might be. I mean, you're you
as an independent you're not beholden to that. I mean,
you're working for the person that that hired you.
Speaker 4 (14:46):
To work for.
Speaker 5 (14:47):
Yep, if you hire a captive agent, you can't really,
honestly can't.
Speaker 4 (14:51):
They have a job.
Speaker 5 (14:53):
They work for an insurance carrier, an independent agent you
can hire, we work for you.
Speaker 3 (14:57):
And I find that the whole exploration of what you
do with cap of Insurance. And I'm and we'll take
a break here in a moment when we come back,
I want to make sure that we that we talked
about not only the residents what you do, but for
for business too.
Speaker 4 (15:08):
And one of the things you said a little bit
ago that really resonated with me.
Speaker 3 (15:11):
You were talking about how you were doing things and
in retail and nobody, nobody came to you, like they
didn't tell you that you needed insurance. And I've learned
so much more. I was a business owner for a decade.
I owned businesses in three different states myself. You know,
I had a I had a like a quote unquote
franchise I helped open in Toronto. I mean, I was
doing some business, you know. And man, there is not
(15:34):
one single insurance agency that came to me with I mean,
obviously I looked out myself for myself. But as far
as like somebody coming to me and being like, let
me tell you what we can do for you and
why you need my services and explain it to me,
it would have been a cell.
Speaker 4 (15:48):
I mean, I mean, honestly, it would have been a sell.
A lot of those guys are having enough business. Yeah, yeah,
that's probably it, right, And they looked at I mean,
they're not waking up to get on the radio and
talk to people.
Speaker 3 (15:58):
That's right, that's right, and that's what that's you need
somebody like Don Wilson to pay attention to that. Let's
go ahead and do this. Let's ahead and take a break.
When we come back, let's talk about all the different
stuff that you offer. We'll talk about we'll start with
obviously what folks can help from a personal standboy, from
a personal standb from just an individual, but also let's
talk about what businesses can.
Speaker 4 (16:15):
Do and things along those lines. When we come back.
Speaker 3 (16:17):
If you have any questions along those lines, you can
give us a call three zero four three four five
fifty eight fifty eight three four five fifty eight fifty eight.
You can text three zero four non three five five
zero zero eight. You can find out more information about
Capital Insurance Group online SEIGWV dot com, that cigwv dot
com and their phone number three zero four non non
three save three zero four non non three save. We'll
take a break and be back right after this. You're
(16:38):
listening to ask the expert. Don Wilson is here from
Capital Insurance Group. This is five ADWCHS the Voice of Charleston.
Speaker 6 (16:44):
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Speaker 7 (17:43):
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Speaker 3 (19:11):
Facts, and we're back. You're listening to ask the expert
w c HS. The voice of Charles and I'm Del Cooper.
Thanks for tuning in on this this Tuesday morning. It's
a beautiful morning out there. Don Wilson is with us
this morning from Capital Insurance Group, taking your phone calls
at three zero four three four.
Speaker 4 (19:26):
Five fifty fifty eight three four five fifty eight fifty eight.
Speaker 3 (19:28):
You can find out more information online Capital Insurance Group,
CEIGWV dot com, CIGWV dot com. Tons of stuff that
we have to talk about still this morning, and I
wanted to talk a little bit about obviously when we
talk about insurance and we talk about the difference between
being a captive agent and being like Don, who is
not a captive agent. That means and just to remind
(19:48):
folks exactly what that means. You have no issue with
Progressive all State, State Farm, any of those things. You
just like him so much. You like to use all
of them. You don't like to just use one. Yeah, yeah,
I don't. I don't use some of those, but use most.
You know, our top carriers are progressive. Uh.
Speaker 5 (20:04):
We use Progressive, Triple A, Geico, uh, Safego, Liberty, Mutual Travelers, Hartford,
you name it.
Speaker 4 (20:10):
We work with them.
Speaker 3 (20:11):
Uh.
Speaker 5 (20:12):
Some of the top insurance carriers in the country uh
In Cova, which is locally owned and operated here uh
In uh In West Virginia uh formerly Brick Street uh.
So we work with a ton of carriers, Farmers Farmers
uh their their elite brand Foremost is one of our
carriers as well. And so that just gives us the
ability to shop for you, right, we can do. Let
(20:34):
the insurance experts go out and shop for you for
new insurance on the big thing is you can go online. Yes,
you can go online and do that, but what we've
found is most people without a license don't understand which
coverage are most important.
Speaker 4 (20:49):
Right. They're looking at comprehensive and collision. Yes, that's important.
Speaker 5 (20:53):
That's the coverage on your vehicle, But everything else, right
is for your the damages that you call, which is liability,
which is the major thing that you need to make
sure that you have adequate coverage for. And most people
are going out and buying state minimum limits and not
knowing it by shopping on their own, Right, why not
(21:13):
let an insurance professional do it for you. And you
can go right to our website click get a quote. Right,
you pick your insurance carrier, You log into your insurance
carrier's website right from that link, and it will send
us your documents right and then you can let us
do the rest. You sit back and enjoy the rest
of your day or go to work or whatever you're doing,
(21:34):
while we shop for you to get the best coverage
at the best price.
Speaker 3 (21:38):
So you don't even have to incessily talk to anybody.
First of all, you can just go to get the
quote and feel that I just saw that on your
website on there, And the reason I asked this I
think I mentioned last week, and I'll tell a real
time story. I will this week. I will put my
information in and next week we'll talk about it. Yeah,
because I had a situation, maybe you can explain for
folks out there, because there's got to be people that
run into this, and I've been hearing it a lot,
so I know there's got of people out there. I've
(21:59):
had the same insurance company for years, for years, no
major issues, nothing else. My credit score may not be perfect,
but it's darn close to perfect. I mean, if there's
not a nine hundred credit score, I'm as close as
you can get. I mean, it's what it's eight fifty
or something. I think at highest, I'm darned close to that.
So I mean, no issue with credit, never a mispayment,
no problems like that. My payment went up like one
(22:20):
hundred and ninety dollars a year or something like that,
or no, two hundred and ninety dollars a year, this
past this past billing I got, and I gotta admit
I was a little bit like, what why did I
do wrong? What did I mean? How am I not
the perfect client? I never have a claim and I
have perfect credit? What is what is my problem here?
Why that's my rate?
Speaker 5 (22:38):
Here's why you fit in the class right, in class
or demographic of people who are probably not going to change. Right,
You've been there twenty years, comfortable with it, Yes, you've
been there twenty years. And I'm telling you large companies
the most valuable thing on earth one time to information right,
information right. The more information you have, the more you
(23:02):
can do with it. And I'm telling you they can
pinpoint two a percentage down to a dollar. How many
people that have been with them over fifteen years are
going to leave if they increase their prices xyz right,
And that's higher than it would be if it was
twenty five years, and it's higher than if it was
thirty five years. And the people that stay the longest
(23:22):
with one carrier, you don't have leverage because you've been
there too long and you're too comfortable. You have to
get uncomfortable, right, and you have to do something that
you haven't done, and that's work with an independent agent,
because that puts the power in your hands and takes
it out of the hands of the insurance carrier.
Speaker 3 (23:41):
Now, it may be that there's companies that still offer
this sort of thing, but it seems to me that
one of the things you would hear some places advertised
about would be like discounts for long term clients and
different things along those lines. I don't seem to hear
that leading the call for new clients that much anymore.
Speaker 5 (23:57):
Yeah, that's before we had all this wild weather, right,
We've had a couple of tornadoes and West Virginia and
Ohio and places like that, and these all these hell
storms and things of that nature, and insurance companies are
being hit. They're scrambling, right, and the best way to
find money or for or from their most loyal customers.
Speaker 3 (24:14):
And the nice thing, if the way I understand it,
if I take all my information. I put it in
online and you guys are able to pull my information
give me quotes and things like that. It's also going
to be meeting your minimum threshold of guidelines on those
quotes as well. So I'm not going to be getting
the minimum, dirt Dog. We don't on any of.
Speaker 5 (24:28):
That well minimum, yeah, yeah, we don't sell the minimum.
And in some cases, and not to scare anybody, but
in some cases, if you come to us with the
minimum and you're not willing to go to our limits.
Speaker 4 (24:41):
We can't work with you.
Speaker 5 (24:42):
Yeah, because we can't see you the minimum because I'm
using I'm paying ninety dollars for the minimum.
Speaker 4 (24:48):
Congratulations. There's nothing I can do for.
Speaker 3 (24:50):
You, because I got to tell you that's the problem
I ran into. I wanted to kind of test this
out a little bit going to any of these sites
where you kept like the general.
Speaker 4 (24:58):
Sites like check my interns. I'll come.
Speaker 3 (24:59):
I don't know if that's one the ones that you
can go to and get your entrance rates checked, they'll
do it for you. But the quotes they're returning back
to you are assuming minimums the cheapest possible. The chef
of and I don't want that. I don't want the
cheapest possible. I want a good a good one. But
treat me with respect. That's all I'm asking for that.
Speaker 5 (25:13):
Most people to understand under and uninsured, Right, you can
be anyone. No matter what your limits are, you can
be under insured. It's based on how much damage you CAUs.
You could have a million dollars in limits. You call
calls more than a million dollars in damage, you're under injured.
Most people don't understand that they're going to have I
had two fifty five hundred. I'm good unless you cause
more damage than your coverage is, right, and that's where
(25:36):
umbrellas and things of that nature come in and hire.
You know liability limits, and we do that. We'd give
a full assessment, a full consultation, and it costs you
nothing to call us and work with us. It costs
you nothing to go to CIGWV dot com click get
a quote. I'm telling you it takes literally twenty to
thirty seconds. We get your information. Our team will then
(25:58):
reach out run the quotes for you, find you the
best prices, and you may save eight hundred, nine hundred
dollars a year because you spent thirty five second. That's
a pretty good pay rate. Yeah, that is thirty five
seconds for nine hundred bucks.
Speaker 3 (26:11):
Man, I just spent a couple of minutes and you
see what you can come up with for it, right,
I mean, I'm looking forward to checking it out because
it's just one of those things that gets a little mad.
And you're right, if you leave that thing go forever,
I mean before you know it. I mean, a a
little bit of rate increase here, a little bit of rate.
And I went back to my records. My rate's been
going up every single year. They're going it's a slow drip.
It is two hundred dollars at a time over the
course of thirty years. Is a lot of money.
Speaker 4 (26:33):
Yeah, it is. Man.
Speaker 3 (26:34):
I couldn't believe it. I don't know what they were
doing to me. So I'm looking forward to checking that out.
And I mentioned earlier too that I used to to
own some retail businesses, and again I'm surprised, especially after
talking to you, that nobody ever came to me and
was like, hey, this is what you need to have
for your business. I mean I had to go out
and seek people and get the protections that I needed,
but nobody came to me and said, well you went
and patch work this stuff together. Let me tell you
(26:56):
what I can do for you in hole, and I'll
carry you right right now. It would have been a
huge benefit for me. So let's talk a little bit
about businesses. What should a business owner look at first
and foremost. You know you're starting let's call it a
brick and mortar operation first, So you have your brick
and mortar operation, you have your retail operation, whatever it
might be, and you think, okay, I need to get
my business and my employees and everybody taking care of
what do they need to consider?
Speaker 4 (27:17):
First things?
Speaker 5 (27:18):
First, you need to start with a BOP. It's BOP
business owners policy, Right. What does it cover. It's kind
of like your homeowner's insurance before your business. It's going
to cover everything inside. It'll cover the building if you
own it, if you don't own the building, It's kind
of like renters insurance, so everything inside. Liability, business interruption.
(27:38):
I'm sure people remember that from the water crisis and
from COVID Right, business interruption. It can also be endorsed
to include employment practices, liability, cybersecurity, things of that nature.
Speaker 4 (27:50):
Right.
Speaker 5 (27:50):
The biggest things though, are one all of the business.
Personal property, so your desks, your furniture, your computers, that stuff. Right, liability,
someone comes onto your property, slips and falls, right, or
you CAUs harm if you're like a landscaper or something
like that, you damage someone else's property while you're cutting grass,
(28:12):
and then the business interruption, right, huge water loss inside
the building that you occupy, and you can't occupy the building,
and say you're a bakery, right, and there's a small
fire right in the kitchen and you can't operate for
three months.
Speaker 4 (28:28):
Right.
Speaker 5 (28:28):
One, it can help you find a new place to operate.
Out of two, it can make up for the lost income.
And a big one that people don't talk about and
most people don't understand. It's called hired and non own liability.
So if anyone from your any of your employees or
you drives for the business anywhere, that's to get supplies,
that's to grab lunch, any sort of driving their personal
(28:51):
vehicle for the business, and they getting an accident, this
will provide liability coverage as well. You can typically do
that right on a small business like a baker, or
a law firm or doctor's office, something like that. An accountant,
you tell me to do that for like fifty to
eighty bucks a month. Yeah right, yeah, and you get
all that coverage.
Speaker 4 (29:11):
Right.
Speaker 3 (29:12):
It just seems like that, And that's exactly the type
of thing you tap into when you're talking to somebody
knows exactly what they're talking to that and it knows
the nuance of these situations. You mentioned something there a
moment ago. The one good piece of advice I remember
getting from someone who I was talking about when I
was talking about my inventory and ensuring my business is
one of the things that I did on the cheap
is I put together my own network for my business.
(29:32):
And I did it by there was a power company
Consumer's power up in Michigan would auction off some of
their computer equipment, So I like, I've literally strung this
thing together off of a shoe string budget. I would
go over and I would buy these terminals and these
empty disk drives. I would install Linux on them so
it was a free operating system. I would put my
network together. So this was like I literally had hundreds
(29:52):
of dollars invested in something that should have cost me
thousands of dollars. And when I was talking to my
agent of it, I was like, oh, man, I got
a good deal on that stuff. I shouldn't have to
you know that, you know we can keep that on
the low end. He's like, why in the world would
you want to do that? Can you can? You can
you redo all that again at the same cost. You
would never be able to do that. You would have
to you would have to replace that. You're never going
to be able to rebuild it the way you did
before over the years of time that you put into
(30:14):
doing it. I never thought about it like I was like, oh, hey,
I did it on the cheap, so I needed insurance
for the cheap. That's not true at all. You need
to insurance for what you would have had to do
if you didn't save the money doing it on the chief.
Speaker 5 (30:24):
Insurance is based or replacing exactly replacement, right, because you
can't replace that stuff unless you have it right, and
so you can't operate without it, right, And so we
replaced the things that you can't operate without. And that's
what insurance does. And so and then another thing too
is once you get employees right, and I know a
lot of people get these calls every day.
Speaker 4 (30:45):
I don't have any employees.
Speaker 5 (30:46):
I'm operate my business without employees, and it's like, man,
how many how many roofing jobs do you do?
Speaker 4 (30:51):
You?
Speaker 2 (30:51):
Oh?
Speaker 5 (30:51):
We do man, we can do a roof in two days. Wow,
by yourself, by yourself. That was my cousin's months and
uncles that help me. Employees that they don't own the business.
So as soon as you get non owner employees right,
so they're not on the articles of incorporation. This goes
for a spouse to if your spouse works for you
(31:12):
and she's not he or she is not on the
articles of incorporation, that is an employee right because they
don't own the business. And you have to, by state
law have workers compensation. In West Virginia, you cannot operate
without workers compensation if you have any amount of payroll. Right,
And so you want to reach out to an insurance
(31:34):
professional that can introduce you to an insurance carrier and
a comprehensive plan for all things insurance that your business
may need. Because if you're in a situation where there
is that fire in that kitchen and your bakery, right
and you can't operate for ninety to one hundred and
twenty days while while it's repaired, where does that money
come from?
Speaker 4 (31:52):
Right?
Speaker 5 (31:52):
And we want to make sure that you have adequate
coverage for every single need and every single situation.
Speaker 3 (31:58):
Men can't I can't stress that enough either, because I
tried to run my old business and I we were
in Jackson, Michigan is where our kind of our world
operations was when we sort of franchised out from there.
But we tried to like make a council of small
businesses in the area and things like that. You know,
we would we were relatively successful, we would bring people in.
But people make a lot of small business owners make
(32:21):
a lot of small mistakes that lead to large consequences,
like over spending on a menu, you know when you're
opening up, like you don't need that glossy menu. Let's
get your business going first. But loss of operation costs
is one of those things that like in Michigan, you
would have like national emergencies on weather and you would
have from snowstorms, you would have roads would be closed
for a weakers, people couldn't get anywhere. Your businesses were closed.
(32:43):
I mean, if you didn't have you know, the way
that I looked at it at the time, with savings,
but also you have to look at it as if
you have an insurance policy that will make you hold
on any of this stuff that you lose. And if
you don't know how to how to get that or
that it's even possible, like I didn't at one time.
That's a whole area you could go out of business
business where normally you wouldn't.
Speaker 4 (33:02):
Have if you recover correctly.
Speaker 5 (33:03):
I've seen it, yeah, yeah, for sure, I watched it firsthand.
And you know, it's all about having the proper advisors
right and having the adequate coverage. And it's it's as
simple as fifty to seventy five dollars per months, so
to think of it sometimes to cover everything, all of
your livelihood right and your ability to earn an income,
(33:25):
you know, and we you know you have to have
these sorts of things right put in place prior to
because after the fact it's too late.
Speaker 3 (33:33):
Well, I'll tell you what I want to do. We
have about a minute left in the program. I want
to put it to the test. I wanted to check
out my situation. Mine's super easy. So I don't have
any like I don't have any vacation properties or stuff like that.
A couple couple of cars and a house and some
stuff and We'll see how that goes, but I know
that it's going to be good. Literally literally takes thirty second. Yeah,
I'm going to look forward to it. I'll be able
to walk folks through how that works the next time
(33:53):
we come on. And as far as like an elevator pitch,
as far as Capitol Insurance Group, Don Don Wilson's a
Charleston product, It's been there forever, grew up in the valley.
If you were talking to somebody on the street corner
telling them about your business, how would you get him
to give you a call?
Speaker 4 (34:06):
I would say.
Speaker 5 (34:07):
The first thing is, I'm the only endorsed insurance agent
in the state of West Virginia by Dave Ramsey one.
I'm eighteen years experience, and you can reach us at
three zero four nine to nine three save or cigwv
dot com.
Speaker 4 (34:19):
That's great information.
Speaker 3 (34:20):
So again that is three zero four nine none three
save three zero four non none three save online at
cigwv dot com. Cigwv dot com. Don Wilson comes in
here every month and either on Tuesday or Wednesdays we're
working on through the schedule. We can go to WHS
network dot com slash expert and you can find our
calendar of schedules up there, and you can find Don's
next program up there. Then, Don, thank you so much
(34:41):
for your time again today, had a great time, great discussion.
Thank you so much for that having me glad to
be here. Thanks a lot, We really appreciate that. That
is Don Wilson from Capital Insurance Group once again CIGWV
dot com. We'll take take a break, coming back after
the news. At the top of the hour, Dave Allen
will be here with five eighty Live. After that'll be
Dave and TJ. That's Dave Wilson and TJ on talk Line,
(35:01):
and then Dave Allen and Amanda Baron will be back
this afternoon for midday, and then I'll be back this
afternoon with Dave Weekly on Metro News Hotline. Have a
great day, everyone, and thanks so much for tuning in.
This is five ADWHS, the Voice of Charleston
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