Owning Workers’ Comp with Kevin Ring | Lower Mods, Better Processes & Stronger Commercial Accounts

State Farm Insurance Compensation Cuts | The Bigger Industry Story

In Episode 165 of the Scratch Agency Podcast, Stephen Turnbull and Shawn Fitzgerald break down one of the biggest insurance industry stories of the year — the reported State Farm compensation changes and what they could mean for agents across the industry. Stephen and Shawn share their perspectives on the reported commission reductions, benefit changes, and the broader implications for captive agents navigating uncertainty. They discuss the reactions happening across Facebook groups, LinkedIn, and industry communities, while offering a grounded perspective for independent agency owners. The conversation explores why independent agents may be in a fundamentally different position, the importance of diversification, carrier relationships, profit sharing, commission structures, and how agency owners can focus on what they can control instead of getting caught up in fear and speculation. They also dive into AI, technology, industry disruption, and why preparing for the future is different than panicking about it. Most importantly, they discuss how agency owners can turn industry change into opportunity by staying focused on growth, strategy, and execution. 🔍 If you're wondering what the reported State Farm changes mean, how independent agencies should think about industry shifts, or how to position your agency for long-term success — this episode delivers practical perspective and actionable insight. 💼 Sponsored by HawkSoft https://www.hawksoft.com 🕒 Timestamps: 00:00 – Introduction & Breaking State Farm News 03:15 – Reported Commission & Benefit Changes Explained 07:45 – Why Captive and Independent Models Are Different 12:20 – Should Independent Agents Be Concerned? 17:10 – Carrier Diversification & Strategic Partnerships 22:35 – Profit Sharing, Commissions & Market Trends 27:40 – GEICO, Direct-to-Consumer & Industry Shifts 32:15 – AI, Technology & Preparing for the Future 38:20 – Opportunity vs. Fear During Industry Change 43:10 – What Agency Owners Can Actually Control 48:05 – The NYC Meetup Update & Community Announcements 51:20 – Final Thoughts A family-owned agency management system built to serve independent agencies with flexibility, transparency, and human-centered support. 🔗 Links & Resources: 📲 Join Our Telegram Community: https://t.me/+cISob2kA3pAyMmY5 📸 Follow us on Instagram: / thescratchagencypodcast 🎧 Listen on Spotify: https://open.spotify.com/show/7hutxCZ... 🌐 Visit Our Website: https://scratchagencypodcast.com 🎟️ Scratch Agency NYC Meetup: https://scratchagencynyc.com Thank you for tuning into The Scratch Agency Podcast. Remember to like, share, and subscribe for more valuable insights. Own your future — we’ll see you next time!

Double Down on What’s Working | Avoiding Entrepreneur Distraction Loops

In Episode 164 of the Scratch Agency Podcast, Stephen Turnbull and Shawn Fitzgerald dive into one of the biggest hidden struggles agency owners face: constantly chasing the next thing instead of doubling down on what’s already working. From AI noise and niche FOMO to SOP rabbit holes, dashboards, and shiny-object syndrome, the guys share real stories from their mastermind group conversations and explain how easy it is for entrepreneurs to get distracted—even when their businesses are growing successfully. Stephen opens up about the realization that T5’s growth has consistently come through relationships and community, while Sean reflects on how simply tripling down on Meta ads and proven systems doubled his agency’s monthly revenue. This episode is a powerful reminder that growth doesn’t always require reinvention—sometimes it just requires focus. 🔍 If you’ve ever found yourself overcomplicating your business, constantly pivoting strategies, or getting distracted by what everyone else is doing online—this episode is for you. 🕒 Timestamps: 00:00 – Introduction 01:20 – Why Entrepreneurs Constantly Chase “The Next Thing” 04:10 – The Power of Mastermind Groups & Honest Feedback 06:45 – “Why Are You Changing Something That’s Working?” 09:05 – Sean’s Meta Ads Story & Doubling Revenue 11:40 – Niching Down vs. Doubling Down 14:20 – Time, Family & Seasons of Business 16:55 – Why Focus Beats Constant Reinvention 18:30 – Scratch Agency Community Facebook Group Update 20:00 – Scratch Agency NYC Meetup Details 22:10 – Final Thoughts & Encouragement 💼 Sponsored by HawkSoft https://www.hawksoft.com A family-owned agency management system built to serve independent agencies with flexibility, transparency, and human-centered support. 🔗 Links & Resources: 📍 Scratch Agency Mastermind Meetup – July 30, 2026 🌆 New York City 🔗 https://scratchagencynyc.com 📸 Follow us on Instagram: https://www.instagram.com/thescratchagencypodcast 🎧 Listen on Spotify: https://open.spotify.com/show/7hutxCZ5NUPqF5hRdC79Hl 🌐 Visit Our Website: https://scratchagencypodcast.com

The Entrepreneur Reset: Burnout, Delegation & Learning to Unplug

In Episode 163 of the Scratch Agency Podcast, Stephen Turnbull and Shawn Fitzgerald sit down for a raw and honest solo conversation about entrepreneurship, burnout, work-life balance, and the challenge of truly unplugging as a business owner. Fresh off a vacation where Sean was unexpectedly forced to disconnect after the entire island’s Wi-Fi and cell service went down, the guys dive into the reality of always feeling “on” as a scratch agency owner—and why learning to slow down might actually make you more effective. From delegation struggles and mindset shifts, to parenting, family, team trust, and the pressure entrepreneurs put on themselves, this episode is a candid behind-the-scenes look at what it really feels like building a business while trying to stay present in life. 🔍 If you’ve ever felt guilty for taking a break, struggled to unplug, or constantly felt like you should be working harder—this episode will hit home. 🕒 Timestamps: 00:00 – Introduction 03:10 – Sean’s Vacation & The Island Wi-Fi Disaster 07:20 – Why Entrepreneurs Struggle to Relax 11:15 – “I Felt Like I Was Falling Behind” 15:40 – The Power of Fully Disconnecting 20:05 – Delegation, Trust & Letting the Team Step Up 24:30 – Family, Kids & Reframing Priorities 29:10 – Why Rest Makes You More Effective 33:20 – The Mental Side of Entrepreneurship 38:05 – Scratch Agency Meetup Updates 42:10 – Final Thoughts & Encouragement for Agency Owners 💼 Sponsored by HawkSoft https://www.hawksoft.com A family-owned agency management system built to serve independent agencies with flexibility, transparency, and human-centered support. 🔗 Links & Resources: 📍 Scratch Agency Mastermind Meetup – July 30, 2026 🌆 New York City 🔗 https://scratchagencynyc.com 📸 Follow us on Instagram: https://www.instagram.com/thescratchagencypodcast 🎧 Listen on Spotify: https://open.spotify.com/show/7hutxCZ5NUPqF5hRdC79Hl 🌐 Visit Our Website: https://scratchagencypodcast.com

Commercial Lines, Niche Strategy & Winning Bigger Accounts with Charles Specht

In Episode 162 of the Scratch Agency Podcast, Stephen Turnbull and Shawn Fitzgerald sit down with Charles Specht, owner of Permission Network Insurance Agency, for a deep dive into commercial lines strategy, niche positioning, and how scratch agents can start winning bigger accounts—without overcomplicating it. Charles shares his journey from accidental entry into insurance to becoming a commercial producer, consultant, and sales trainer. He breaks down exactly how agents can transition into commercial lines, why picking a micro-niche is critical, and how mindset—not product knowledge—is the real barrier holding most agents back. From identifying carrier strengths and building a focused prospect list, to driving a wedge in competitive relationships and understanding what truly differentiates great agents—this episode is packed with tactical insights for agents ready to level up. 🔍 If you’re a scratch agent trying to break into commercial, land larger accounts, or stop spinning your wheels as a generalist—this episode will help you think bigger and act more strategically. 🕒 Timestamps: 00:00 – Introduction & Meet Charles Specht 03:10 – From Teacher to Commercial Producer 07:25 – Consulting for Large Commercial Accounts 11:40 – Where Scratch Agents Should Start in Commercial 15:05 – Why Picking a Niche Changes Everything 20:30 – The Mindset Problem Holding Agents Back 25:10 – “The Size of the Account Is in Your Head” 29:45 – Driving a Wedge in Client Relationships 35:20 – How to Pre-Qualify Prospects Effectively 40:05 – Best Prospecting Methods (And Why It Depends) 45:15 – Real Competitive Advantage of Independent Agencies 50:30 – What Clients Actually Look for in Their Agent 55:10 – Final Advice for Scaling Smarter 💼 Sponsored by HawkSoft https://www.hawksoft.com A family-owned agency management system built to serve independent agencies with flexibility, transparency, and human-centered support. 🔗 Links & Resources: 📲 Join Our Community: (Private Facebook Group – link shared in episode) 📸 Follow us on Instagram: https://www.instagram.com/thescratchagencypodcast 🎧 Listen on Spotify: https://open.spotify.com/show/7hutxCZ5NUPqF5hRdC79Hl 🌐 Visit Our Website: https://scratchagencypodcast.com

Building the Remedy Circle with Kenny Jones | Referral Partners, Social Proof & Scaling Fast

In Episode 161 of the Scratch Agency Podcast, Stephen Turnbull and Shawn Fitzgerald welcome back Kenny Jones of Remedy Insurance and Wealth Builders for a powerful conversation on growth, visibility, referral strategy, and what it really takes to scale a modern agency. Kenny shares how his business has exploded over the last year through intentional referral partner relationships, strong branding, and fearless social media marketing. He breaks down the creation of the Remedy Circle—his unique referral partner incentive ecosystem—and explains how it’s helping him attract top realtors, lenders, attorneys, and other partners while building serious momentum in the Charlotte market. From content strategy and personal branding to team growth, SOPs, and scaling beyond yourself, this episode is packed with practical ideas for any scratch agent who wants to stand out, grow faster, and create a brand people actually remember. 🔍 If you’ve been wondering how to generate more referrals, market yourself better on social media, and build a business people talk about—this episode will give you both the mindset and the playbook. 🕒 Timestamps: 00:00 – Introduction & Welcome Back Kenny Jones 02:05 – What’s Changed Since Episode 49 04:10 – Why Social Media Still Matters in 2026 07:20 – “Get Over It” – Kenny’s Advice on Showing Up Online 10:45 – The Birth of the Remedy Circle 15:30 – How the Referral Partner Model Works 20:05 – Building Events That Create Loyalty & Buzz 24:18 – How Kenny Markets the Remedy Circle 28:40 – Why Realtors Have Been the Best Fit 32:12 – Social Proof, Deal Closed Posts & Brand Positioning 36:05 – The Power of Fast Execution 39:22 – Growing the Team & Scaling with SOPs 43:18 – Kenny’s Vision for Stepping Out of Sales 46:10 – Final Thoughts & Where to Follow Kenny 💼 Sponsored by HawkSoft https://www.hawksoft.com A family-owned agency management system built to serve independent agencies with flexibility, transparency, and human-centered support. 🔗 Links & Resources: 📲 Join Our Telegram Community: https://t.me/+cISob2kA3pAyMmY5 📸 Follow us on Instagram: https://www.instagram.com/thescratchagencypodcast 🎧 Listen on Spotify: https://open.spotify.com/show/7hutxCZ5NUPqF5hRdC79Hl 🌐 Visit Our Website: https://scratchagencypodcast.com