Understanding the Insurance Market Crisis: Higher Rates, Tougher Carriers, and Smart Moves with Gregg Knepper [Ep.174]
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Wildfires. Hurricanes. Cyber Attacks.
How are today’s biggest threats reshaping the insurance industry—and what can you do to stay protected?
In this episode of Retirement Unlocked, Larry Heller, CFP®, CDFA®, sits down with Gregg Knepper, President of Integrated Coverage Group, to break down the rapidly changing insurance landscape. With more than 15 years of experience in risk management and personal insurance, Gregg shares expert insights into how natural disasters, inflation, and digital threats are driving up premiums—and what you can do about it.
From rising home and auto rates to the hidden gaps in your umbrella and cyber insurance, this conversation is packed with practical tips for protecting what matters most.
Key discussion points include:
- Understanding personal insurance market challenges [01:00]
- Impact of national disasters on local insurance premiums [02:45]
- Adjusting policies with higher deductibles for cost efficiency [10:30]
- The role of umbrella coverage and uninsured motorist protection [18:15]
- The rise of cyber threats and the necessity for cyber insurance for individuals and businesses [24:00]
- And more!
Connect with Gregg Knepper:
Connect with Larry Heller:
- (631) 248-3600
- Schedule a 20-Minute Call
- Heller Wealth Management
- LinkedIn: Larry Heller, CFP®, CDFA®, CPA
- YouTube: Life Unlimited with Larry Heller, CFP®
About Our Guest:
Gregg Knepper is an experienced Insurance Adviser specializing in helping businesses and individuals limit their risk. As the President of Integrated Coverage Group, a rapidly growing insurance brokerage, Gregg brings over 13 years of expertise in the industry. Unlike traditional brokers who work for specific insurance carriers, Gregg is dedicated to working solely for their clients, ensuring that each client receives a solution tailored to their unique needs.
With a focus on reducing risk, Gregg works closely with clients to craft personalized insurance strategies across a wide range of areas, including workers’ compensation, employee benefits, and cyber insurance. Known for their trustworthiness, knowledge, and honesty, Gregg partners with clients every step of the way to ensure that their risks are managed effectively.
Specializing in supporting quickly growing businesses with sophisticated insurance and risk management needs, Gregg has extensive experience in serving industries such as technology firms, medical practices, real estate, manufacturing, and restaurants and hospitality.
Whether a client is a small startup or a large, complex organization, Gregg Knepper provides the expertise and dedication to meet their specific insurance needs.