{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Scaling Practice Management by Talkie.ai","title":"The Business Risks Your Insurance Won't Cover | Van Carlson","html":"","width":"100%","height":180,"duration":2633,"description":"Your insurance pays out when the building burns. It doesn't pay out when the hurricane misses and you close for ten days anyway.\nVan Carlson is Founder and CEO of SRA 831(b) Admin, the largest administrator of 831(b) plans - a part of the tax code that lets small and mid-sized practices set aside pre-tax dollars for the risks insurance won't touch. He has almost 30 years in risk management and hosts the Unmitigated podcast.\nHe joins Jakub Grajcar on what practices are already self-insuring without knowing it.\nWe dig into:\n🏥 Van's #1 tip for growing a practice - stay relevant. Embrace AI where it fits, and drop the wash, rinse, repeat: \"if your competitors are willing to bob and weave, you better be willing to too\"\n💰 What an 831(b) plan actually is - an HSA for business risk: expense the dollars up front, hold them tax-deferred, use them when your insurer doesn't\n🌪️ The losses nobody covers - COVID shutdowns, hurricane evacuations where the storm never lands, a washed-out bridge that stops patients reaching you\n📄 Your policy in 2019 vs. today - higher premiums and more exclusions, and every exclusion is risk moved back onto your side of the ledger\n🔍 Medicare and Medicaid audits - the auditors are paid a cut of what they find, and honest practices still get caught on a missing dot\n🛡️ Brand protection - reviews and local news move your income and your exit value, and there is no policy that covers it\n🔐 Cyber comes down to training - over 90% of breaches trace back to staff knowledge, so run phishing tests, pre-write the press release, and put cyber training into the review cycle\nResources mentioned:\n👤 Guest: Van Carlson - Founder & CEO, SRA 831(b) Admin\nLinkedIn: https://www.linkedin.com/in/vancarlson\nWebsite: https://www.831b.com\n🎙️ Podcast - Unmitigated (Van's show on risk management for business owners)\nApple Podcasts: https://podcasts.apple.com/us/podcast/unmitigated/id1751591180\nSpotify: https://open.spotify.com/show/1XJMDNuF2FsqWgGtEdEIuW\n🎙️ Also recommended -...","thumbnail_url":"https://img.transistorcdn.com/cDl0t9jFckOl-1_LgMnmIWyXNTKcvr8hPfqwaY9KYeg/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9hNGEx/NWRhMDYxMDUxMjE3/MWIyMGU3MjZiZGZl/NjIxNS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}