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If you buy commercial insurance you've certainly noticed the rate increases. Brian Tanner is Managing Principal at EPIC Insurance's Birmingham, Alabama office and is our monthly Business Alabama magazine deep dive interview. He explains why rates are up, how AI is making creative crooks more clever, and why the art of cold calling is not dead. Brian is high energy and this interview is a thrill.  Enjoy. Show Sponsors: E3 Termite & Pest Control Allison Horner - State Farm Agent Trey Langus - Transworld Business Advisors Angelo DePaola - The Coastal Connection Realty Roy Lewis Construction Persons Services Corp First Horizon's "Bucket List-ening" Podcast Seth Cherniak - Jeffrey Matthews Financial Find What Works for sale at Amazon.com.