In this episode of The Insurance Guys Podcast, hosts Scott Howell and Bradley Flowers welcome Max from Novella to discuss trends and challenges in the insurance industry. The conversation covers wholesaler processes, the evolving role of brokers, and the impact of technology and surplus lines on the market. Max shares insights from his time at Lemonade and his journey founding Novella. The episode features industry anecdotes, including a humorous story about Bradley dropping his visitor badge in a toilet at Progressive HQ, and highlights the importance of relationships and adaptability in insurance. Bullet Points - Personal anecdotes and humorous stories related to the insurance industry. - Introduction and background of a new participant, Max, and his company, Novella. - Examination of the relationship between retail brokers and wholesalers. - Challenges faced by new entrants in the wholesaler market. - The evolving landscape of insurance technology and its implications. - Trends in property and casualty insurance, particularly regarding surplus lines. - The importance of independent brokers in providing tailored insurance solutions.