Michael Urbanik

Hey guys, my name is Michael Urbanik. I'm an insurance agent with Arcade Tongue, over a hundred year old brokerage just out of Baltimore. I live down in the Richmond area, but you know, where I fit in all this is working with clients, businesses, understanding what risks do they face and

Hey guys, my name is Michael Urbanik. I'm an insurance agent with Arcade Tongue, over a hundred year old brokerage just out of Baltimore. I live down in the Richmond area, but you know, where I fit in all this is working with clients, businesses, understanding what risks do they face and

Any business has a myriad of risks and they only keep evolving and then helping them finding ways to transfer that risk, whether it's via traditional insurance programs, self-retention groups, self-insuring to make sure that they're geared up facing all the threats that avail them. So, yeah, excited to be here.

Any business has a myriad of risks and they only keep evolving and then helping them finding ways to transfer that risk, whether it's via traditional insurance programs, self-retention groups, self-insuring to make sure that they're geared up facing all the threats that avail them. So, yeah, excited to be here.

Yeah, I'll say a recent food fixation of mine is my wife, I and some friends went to a hot pot restaurant here in Richmond. And that was my first time going. And I think we probably sat there for three hours just eating and talking. And a lot of different foods and meats and stuff I'd never had before. So that was a really awesome recent experience and definitely want to go back.

Yeah, I'll say a recent food fixation of mine is my wife, I and some friends went to a hot pot restaurant here in Richmond. And that was my first time going. And I think we probably sat there for three hours just eating and talking. And a lot of different foods and meats and stuff I'd never had before. So that was a really awesome recent experience and definitely want to go back.

And then, you know, food memory. I was talking to my wife about this. My mom used to have an old school mixer and, you know, with the beaters that would spin and she would make cookies. around Christmas time. And I remember always getting past the beater and licking the cookie dough off of the beater. So we're talking about that. And that's like a very fond memory, right?

And then, you know, food memory. I was talking to my wife about this. My mom used to have an old school mixer and, you know, with the beaters that would spin and she would make cookies. around Christmas time. And I remember always getting past the beater and licking the cookie dough off of the beater. So we're talking about that. And that's like a very fond memory, right?

That sits in my mind of eating cookie dough off those beaters.

That sits in my mind of eating cookie dough off those beaters.

No, but it is.

No, but it is.

Yeah. So, you know, if I'm going to define it, I'm going to kind of go to what the government officials are going to define it. And I'm sure as this conversation progresses, we'll we'll go back and we'll talk about events following September 11th. And what is terrorism? Because that's going to factor into insurance pretty substantially.

Yeah. So, you know, if I'm going to define it, I'm going to kind of go to what the government officials are going to define it. And I'm sure as this conversation progresses, we'll we'll go back and we'll talk about events following September 11th. And what is terrorism? Because that's going to factor into insurance pretty substantially.

My goodness. So that'll go back to the, you know, what we pulled is kind of going back to that. There's a risk insurance act that was passed following the attacks of September 11th back in 2001. The act was passed in 2002. Obviously that space, that ideological space has been built out substantially because we really had to think critically what is terrorism and define it.

My goodness. So that'll go back to the, you know, what we pulled is kind of going back to that. There's a risk insurance act that was passed following the attacks of September 11th back in 2001. The act was passed in 2002. Obviously that space, that ideological space has been built out substantially because we really had to think critically what is terrorism and define it.

And that's a very, very hard thing to do. But if we talk about agro-terrorism and I'm going off the FBI's definition now, so we're pretty far into the chapter here, but it's a substance of bioterrorism is defined as the deliberate introduction of an animal or plant disease for the purpose of generating fear, causing economic losses or undermining social stability.

And that's a very, very hard thing to do. But if we talk about agro-terrorism and I'm going off the FBI's definition now, so we're pretty far into the chapter here, but it's a substance of bioterrorism is defined as the deliberate introduction of an animal or plant disease for the purpose of generating fear, causing economic losses or undermining social stability.

So that's what the FBI is defining it as. And then, you know, we can say, well, what what is terrorism here and what is war? And you're right, Andrew, we had a couple you touched on a couple of keystones there. So certified acts of terrorism is defined by the U S government.

So that's what the FBI is defining it as. And then, you know, we can say, well, what what is terrorism here and what is war? And you're right, Andrew, we had a couple you touched on a couple of keystones there. So certified acts of terrorism is defined by the U S government.