Patrick Kinney, CEO of Keystone Agency Partners, shares his remarkable journey from hitchhiking to Penn State Hazleton without a dollar to his name to leading transformative growth in the insurance industry. What began as a determined search for any job—despite not even knowing what insurance was—turned into a 30+ year career at Travelers, where he rose to Executive Vice President and developed a product that generated $5 billion for the company. Growing up in the Kensington neighborhood of Philadelphia, Patrick built his career on resilience, resourcefulness, and a deep commitment to people-centered leadership. In this episode, he reflects on the pivotal moments that shaped his path, including a life-changing job interview that set everything in motion. After retiring from Travelers, Patrick entered an entirely new chapter—stepping into the startup world as CEO of Keystone Agency Partners. He shares what it’s like to transition from a large corporate environment to a high-growth, entrepreneurial company, and the guiding principles he’s carried with him along the way. Later in the episode, current Penn State student Arnav Aggarwal joins the conversation. Arnav is a freshman at Penn State in the BS/MD accelerated medicine program. With mentorship from Happy Valley LaunchBox, Arnav is developing Campus Cabs, a student-run mobility solution aiming to provide safer, more affordable campus transportation. Arnav and Patrick discuss how Patrick’s 22 guiding principles apply in practice, the insurance and liability considerations founders should keep in mind, the value of an MBA, and the advice Patrick would give his younger self. Episode Chapters 0:00 - 4:49 A challenging start in Kensington, PA 4:49 - 9:44 Patrick's mother convinces him to go to college, experience at Penn State Hazleton 9:44 - 11:15 Becoming a logistics major at Penn State University Park 11:15 - 20:18 A life-changing job interview with Travelers  20:18 - 24:17 Applying street smarts to the insurance industry 24:17 - 25:43 Putting pen to paper on 22 guiding principles as a reflection on his career 25:43 -29:57 Jumping into the startup world with Keystone Agency Partners post-retirement 29:57 - 34:56 How Keystone Agency Partners is disrupting the insurance industry 34:56 - 37:07 Rapid Fire Round 37:07 - 50:38 Student Section 37:56 - 40:50 Adopting a strategic mindset as a founder 40:50 - 43:41 Insurance risks to consider for Arnav's startup 43:41 - 46:13 Proving a concept in a way that attracts long-term partners 46:13 - 47:50 The value of an MBA 47:50 - 50:38 Advice for Patrick's younger self About Patrick Kinney Patrick Kinney is the CEO of Keystone Agency Partners, the nation’s first broker network Patrick graduated from the Penn State Smeal College of Business with a bachelor’s in business logistics, and received his MBA in finance from Rensselaer Polytechnic Institute.  About Arnav Aggarwal Arnav Aggarwal is a freshman at Penn State in the BS/MD accelerated medicine program. He is the founder of CareForAll, a nonprofit that mobilizes doctors across India to deliver free healthcare to underserved communities. During high school, he also launched LendingLibrary, a B2B platform now deployed nationwide, coordinating book exchanges within gated communities across India. More recently at Penn State, with mentorship from Happy Valley LaunchBox powered by PNC Bank, Arnav is developing Campus Cabs, a student-run mobility solution aiming to provide safer, more affordable campus transportation. The Dare to Disrupt podcast is made possible by the generous support of the Penn State Smeal College of Business.