Speaker introduction: David R. Leng, CPCU, CIC, CBWA, CRM, MWCA Insurance can pay a claim exactly as promised, and the business can still struggle to recover. And a competitive premium can hide problems that are costing money every day. David Leng helps business leaders uncover those blind spots and address the problems driving injuries, disruption and insurance costs. He does the work he speaks about. Since 2004, David and his team have saved clients more than $70 million in insurance premiums and overcharges. David is Chief Risk Officer, Executive Vice President and Partner at Duncan Financial Group, with more than 35 years of experience in risk management and insurance. He serves on the Pennsylvania Compensation Rating Bureau's Classification and Rating Committee and the Independent Insurance Agents & Brokers of America's National Technical Affairs Committee. He is the author of four business books, including Insured to Fail, The 10 Laws of Insurance Attraction and Turning Premiums Into Profits, three of them #1 Amazon business bestsellers. Today he's going to show us what a good price and a paid claim don't tell you. Please welcome David Leng.