In this episode of Inside Insight, we sit down with David Melick, Senior Technical Advisor at SML Capital Advisors, to explore the often-overlooked yet crucial role of underwriting in insurance. With 35+ years of experience at industry giants like AIG and CNA, David offers an insider’s perspective on what it truly takes to get a deal across the finish line.
We often focus on brokers and the sales side of insurance, but this episode flips the script, diving into the binding process, underwriting risk, and the collaboration needed to structure successful insurance programs. Whether you're a broker, underwriter, or simply interested in how insurance decisions are made behind the scenes, this conversation is packed with valuable takeaways.

Topics Covered in This Episode:
The critical role of underwriting in insurance deals
How brokers and underwriters work together (and where tensions arise)
Key questions underwriters ask before approving coverage
Red flags and green flags when evaluating insurance risks
The importance of integrity, honesty, and communication in the industry
Lessons from major projects, including Apple’s headquarters

Plus, in our new Inside Insight segment, David shares the guiding principles that have shaped his career in underwriting and risk management.
Learn how underwriting can make or break an insurance deal in this episode!
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Connect with our hosts:
Beau Lunceford & Trevor Casey
linkedin.com/in/beaulunceford
linkedin.com/in/trevorcasey3/
 
Connect with our guest: David Melick
LinkedIn: https://www.linkedin.com/in/david-melick-03332725/
Email: [email protected]
SML Capital Advisors LinkedIn: https://www.linkedin.com/company/sml-capital-advisors
Website: www.smlcapitaladvisors.com
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