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  <title>The Risk Matrix</title>

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  <copyright>© 2026 The Risk Matrix</copyright>
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  <itunes:author>John Morlan</itunes:author>
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  <description><![CDATA[<p>We aim to demystify the world of safety, risk management, and insurance by having informative discussions with industry experts.&nbsp; Episodes come in two varieties;&nbsp; one is focused on providing informative content for small businesses.&nbsp; The others are inside baseball episodes where we interview interesting people to discuss insuretech, insurance trends, and emerging technologies.&nbsp;</p>]]></description>
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    <itunes:name>John Morlan</itunes:name>
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  <podcast:person role="host" img="https://storage.buzzsprout.com/bg75cgjmttbkztw1jwxnrfo60bmr">John Morlan </podcast:person>
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    <itunes:title>Telematics, Safety, and Fleet Management with Andrew Chermark of Ensure Analytics</itunes:title>
    <title>Telematics, Safety, and Fleet Management with Andrew Chermark of Ensure Analytics</title>
    <itunes:summary><![CDATA[Today, we are talking with Andrew Chermark of Ensure Analytics, a company that specializes in Telematics. Ensure Analytics is a data science analytical and loss control company.   It’s an end-to-end, technology-driven service geared toward insurance carriers, brokers, and auto policyholders for collaboration to help lower costs, reduce liabilities, and minimize risks.  Andrew has been an entrepreneur since 1999 and has been in business for over 20 years, providing GPS Tracking Services t...]]></itunes:summary>
    <description><![CDATA[<p>Today, we are talking with Andrew Chermark of Ensure Analytics, a company that specializes in Telematics. Ensure Analytics is a data science analytical and loss control company. <br/><br/>It’s an end-to-end, technology-driven service geared toward insurance carriers, brokers, and auto policyholders for collaboration to help lower costs, reduce liabilities, and minimize risks.<br/><br/>Andrew has been an entrepreneur since 1999 and has been in business for over 20 years, providing GPS Tracking Services to small businesses in the US and Canada.<br/><br/></p><p>smarterrisk.com</p>]]></description>
    <content:encoded><![CDATA[<p>Today, we are talking with Andrew Chermark of Ensure Analytics, a company that specializes in Telematics. Ensure Analytics is a data science analytical and loss control company. <br/><br/>It’s an end-to-end, technology-driven service geared toward insurance carriers, brokers, and auto policyholders for collaboration to help lower costs, reduce liabilities, and minimize risks.<br/><br/>Andrew has been an entrepreneur since 1999 and has been in business for over 20 years, providing GPS Tracking Services to small businesses in the US and Canada.<br/><br/></p><p>smarterrisk.com</p>]]></content:encoded>
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    <itunes:author>John Morlan</itunes:author>
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    <pubDate>Sun, 24 Mar 2024 16:00:00 -0400</pubDate>
    <itunes:duration>2533</itunes:duration>
    <itunes:keywords>analytics, risk control, risk management, safety, insurance, fleet, Telematics App,Telematics, Fleet meaning, Fleet Management, app, safety, Insurance</itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>8</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
    <itunes:explicit>false</itunes:explicit>
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  <item>
    <itunes:title>Eliminating the Hassle of Insurance Claims with Claimsetter Founder Elnor Rozenrot</itunes:title>
    <title>Eliminating the Hassle of Insurance Claims with Claimsetter Founder Elnor Rozenrot</title>
    <itunes:summary><![CDATA[Today, we are talking with Elnor Rozenrot of Claimsetter, a company that is described as the ultimate claim support partner to get you back to business. They bring speed and ease to the claims process by preparing claims and funding repairs while you wait for the payout.   Elnor has an MBA from the Tuck School of Business at Dartmouth.  He was Co-Founder &amp; CEO of JasperCard, a consumer credit card company. He also founded and led Pingjam, and served as VP of New Growth Platforms at L...]]></itunes:summary>
    <description><![CDATA[<p>Today, we are talking with Elnor Rozenrot of Claimsetter, a company that is described as the ultimate claim support partner to get you back to business. They bring speed and ease to the claims process by preparing claims and funding repairs while you wait for the payout. <br/><br/>Elnor has an MBA from the Tuck School of Business at Dartmouth.  He was Co-Founder &amp; CEO of Jasper<b>Card</b>, a consumer credit card company.</p><p>He also founded and led <b>Pingjam</b>, and served as VP of New Growth Platforms at <b>LG Electronics, </b>where he started a global business incubator that launched strategically aligned ventures worldwide.  <br/><br/></p><p>Elnor served as Director at <b>Innosight Ventures</b>, where his focus was on go-to-market and follow-on fundraising for the funds’ portfolio companies.  <br/><br/></p><p>He is now the founder and CEO of Claimsetter.</p><p>smarterrisk.com</p>]]></description>
    <content:encoded><![CDATA[<p>Today, we are talking with Elnor Rozenrot of Claimsetter, a company that is described as the ultimate claim support partner to get you back to business. They bring speed and ease to the claims process by preparing claims and funding repairs while you wait for the payout. <br/><br/>Elnor has an MBA from the Tuck School of Business at Dartmouth.  He was Co-Founder &amp; CEO of Jasper<b>Card</b>, a consumer credit card company.</p><p>He also founded and led <b>Pingjam</b>, and served as VP of New Growth Platforms at <b>LG Electronics, </b>where he started a global business incubator that launched strategically aligned ventures worldwide.  <br/><br/></p><p>Elnor served as Director at <b>Innosight Ventures</b>, where his focus was on go-to-market and follow-on fundraising for the funds’ portfolio companies.  <br/><br/></p><p>He is now the founder and CEO of Claimsetter.</p><p>smarterrisk.com</p>]]></content:encoded>
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    <itunes:author>John Morlan</itunes:author>
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    <pubDate>Fri, 22 Sep 2023 12:00:00 -0400</pubDate>
    <itunes:duration>1510</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>7</itunes:episode>
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    <itunes:title>Ending the Pain of Collecting COIs with Sharon Fox from Trustlayer</itunes:title>
    <title>Ending the Pain of Collecting COIs with Sharon Fox from Trustlayer</title>
    <itunes:summary><![CDATA[Today, we are talking with Sharon Fox of Trustlayer. TrustLayer automates the correspondence, collection, storage, and verification of standard compliance documents, like certificates of insurance (COIs). TrustLayer has built a solution for carriers, brokers, and businesses.    Sharon Fox is VP of Partnerships at TrustLayer and has over 15 years combined experience in Insurance, Risk Management, and Technology. She has held roles in claims, brokering, and owned a Risk Management consulti...]]></itunes:summary>
    <description><![CDATA[<p>Today, we are talking with Sharon Fox of Trustlayer. TrustLayer automates the correspondence, collection, storage, and verification of standard compliance documents, like certificates of insurance (COIs). TrustLayer has built a solution for carriers, brokers, and businesses.  <br/><br/>Sharon Fox is VP of Partnerships at TrustLayer and has over 15 years combined experience in Insurance, Risk Management, and Technology. She has held roles in claims, brokering, and owned a Risk Management consulting business. She has been in the insurtech scene for the last five years working at Indio, advising insurtechs, and driving partner growth at TrustLayer. </p><p> </p><p>smarterrisk.com</p>]]></description>
    <content:encoded><![CDATA[<p>Today, we are talking with Sharon Fox of Trustlayer. TrustLayer automates the correspondence, collection, storage, and verification of standard compliance documents, like certificates of insurance (COIs). TrustLayer has built a solution for carriers, brokers, and businesses.  <br/><br/>Sharon Fox is VP of Partnerships at TrustLayer and has over 15 years combined experience in Insurance, Risk Management, and Technology. She has held roles in claims, brokering, and owned a Risk Management consulting business. She has been in the insurtech scene for the last five years working at Indio, advising insurtechs, and driving partner growth at TrustLayer. </p><p> </p><p>smarterrisk.com</p>]]></content:encoded>
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    <itunes:author>John Morlan</itunes:author>
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    <pubDate>Sat, 02 Sep 2023 15:00:00 -0400</pubDate>
    <itunes:duration>2448</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>6</itunes:episode>
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    <itunes:title>A Different Perspective on Safety with Dr. Rob Long</itunes:title>
    <title>A Different Perspective on Safety with Dr. Rob Long</title>
    <itunes:summary><![CDATA[Episode Intro: Today, we are talking with Doctor Rob Long, Executive Director of Human Dymensions. Human Dymensions specializes in developing organizations and people through a better understanding of human factors at work. It was founded in 2002 and has trained over 20,000 participants across 30 countries since then.   Dr. Long has a Ph.D. in learning and development. He is an accomplished author, presenter, and educator. He has published 13 books on the Social Psychology of Risk (...]]></itunes:summary>
    <description><![CDATA[<p><b>Episode Intro:</b> Today, we are talking with Doctor Rob Long, Executive Director of Human Dymensions. Human Dymensions specializes in developing organizations and people through a better understanding of human factors at work. It was founded in 2002 and has trained over 20,000 participants across 30 countries since then. </p><p> Dr. Long has a Ph.D. in<b> </b>learning and development.<b> </b>He is an accomplished author, presenter, and educator. He has published 13 books on the Social Psychology of Risk (SPoR), which have been downloaded over 600,000 times. Rob’s 50 years in the workforce include leadership and management in building and construction, light industry, transport and logistics, corrections, education and training, non-profit organizations, social welfare, public service, risk, safety, and business.  </p><p>smarterrisk.com</p>]]></description>
    <content:encoded><![CDATA[<p><b>Episode Intro:</b> Today, we are talking with Doctor Rob Long, Executive Director of Human Dymensions. Human Dymensions specializes in developing organizations and people through a better understanding of human factors at work. It was founded in 2002 and has trained over 20,000 participants across 30 countries since then. </p><p> Dr. Long has a Ph.D. in<b> </b>learning and development.<b> </b>He is an accomplished author, presenter, and educator. He has published 13 books on the Social Psychology of Risk (SPoR), which have been downloaded over 600,000 times. Rob’s 50 years in the workforce include leadership and management in building and construction, light industry, transport and logistics, corrections, education and training, non-profit organizations, social welfare, public service, risk, safety, and business.  </p><p>smarterrisk.com</p>]]></content:encoded>
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    <itunes:author>John Morlan</itunes:author>
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    <pubDate>Thu, 31 Aug 2023 11:00:00 -0400</pubDate>
    <itunes:duration>2611</itunes:duration>
    <itunes:keywords>Safety, risk control, risk management, insurance</itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>5</itunes:episode>
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    <itunes:title>Improving Safety with Behavioral Psychology with Guest Raphaelle March</itunes:title>
    <title>Improving Safety with Behavioral Psychology with Guest Raphaelle March</title>
    <itunes:summary><![CDATA[Today, we are talking with Raphaelle March of Cowry Consulting. Raphy is an accredited Behavioral Scientist specializing in perceptual psychology. In 2015, she helped launch Cowry, the largest business-focused behavioral science consultancy in the UK. At Cowry, Raphy leads the integrated services (research, academy, and innovation) and has established herself as one of the world’s leading practitioners in the field, delivering practical and impactful solutions for over 80 of the world’s major...]]></itunes:summary>
    <description><![CDATA[<p>Today, we are talking with Raphaelle March of Cowry Consulting. Raphy is an accredited Behavioral Scientist specializing in perceptual psychology. In 2015, she helped launch Cowry, the largest business-focused behavioral science consultancy in the UK. At Cowry, Raphy leads the integrated services (research, academy, and innovation) and has established herself as one of the world’s leading practitioners in the field, delivering practical and impactful solutions for over 80 of the world’s major brands across retail, health, and finance.  </p><p>Raphy is Chief Design &amp; Innovation Officer and draws on design, UX, and behavioral science to create innovative behavioral interventions that transform the customer and employee experience. </p><p>smarterrisk.com</p>]]></description>
    <content:encoded><![CDATA[<p>Today, we are talking with Raphaelle March of Cowry Consulting. Raphy is an accredited Behavioral Scientist specializing in perceptual psychology. In 2015, she helped launch Cowry, the largest business-focused behavioral science consultancy in the UK. At Cowry, Raphy leads the integrated services (research, academy, and innovation) and has established herself as one of the world’s leading practitioners in the field, delivering practical and impactful solutions for over 80 of the world’s major brands across retail, health, and finance.  </p><p>Raphy is Chief Design &amp; Innovation Officer and draws on design, UX, and behavioral science to create innovative behavioral interventions that transform the customer and employee experience. </p><p>smarterrisk.com</p>]]></content:encoded>
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    <itunes:author>John Morlan</itunes:author>
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    <pubDate>Sat, 19 Aug 2023 16:00:00 -0400</pubDate>
    <itunes:duration>2645</itunes:duration>
    <itunes:keywords>Risk Management, safety, insurance, behavioral psychology</itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>4</itunes:episode>
    <itunes:episodeType>full</itunes:episodeType>
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    <itunes:title>Hiring Good Employees (and Safe Ones Too) with Brian Glover Founder of the AI Powered App Previewed</itunes:title>
    <title>Hiring Good Employees (and Safe Ones Too) with Brian Glover Founder of the AI Powered App Previewed</title>
    <itunes:summary><![CDATA[Today, we are talking with Brian Glover of Previewed, which is an app designed to transform the way people connect with their dream jobs. As founder and CEO of Previewed, he’s on a mission to help job seekers showcase their skills and experiences in a way that truly reflects who they are.   With over a decade of experience in Sales, operations, marketing, and talent management, Brian knows firsthand the challenges that candidates face in today's competitive job market.   At Pre...]]></itunes:summary>
    <description><![CDATA[<p>Today, we are talking with Brian Glover of Previewed, which is an app designed to transform the way people connect with their dream jobs. As founder and CEO of Previewed, he’s on a mission to help job seekers showcase their skills and experiences in a way that truly reflects who they are.<br/><br/> With over a decade of experience in Sales, operations, marketing, and talent management, Brian knows firsthand the challenges that candidates face in today&apos;s competitive job market. </p><p> At Previewed, they believe that everyone deserves a shot at their dream job, and they are leveraging the latest in technology to help job seekers showcase their unique value.<br/> <br/> </p><p>smarterrisk.com</p>]]></description>
    <content:encoded><![CDATA[<p>Today, we are talking with Brian Glover of Previewed, which is an app designed to transform the way people connect with their dream jobs. As founder and CEO of Previewed, he’s on a mission to help job seekers showcase their skills and experiences in a way that truly reflects who they are.<br/><br/> With over a decade of experience in Sales, operations, marketing, and talent management, Brian knows firsthand the challenges that candidates face in today&apos;s competitive job market. </p><p> At Previewed, they believe that everyone deserves a shot at their dream job, and they are leveraging the latest in technology to help job seekers showcase their unique value.<br/> <br/> </p><p>smarterrisk.com</p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/2206855/episodes/13382880-hiring-good-employees-and-safe-ones-too-with-brian-glover-founder-of-the-ai-powered-app-previewed.mp3" length="32768823" type="audio/mpeg" />
    <itunes:author>John Morlan</itunes:author>
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    <pubDate>Thu, 10 Aug 2023 09:00:00 -0400</pubDate>
    <itunes:duration>2727</itunes:duration>
    <itunes:keywords>Hiring, safety, risk management, risk control, small business, insurance, safety</itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>3</itunes:episode>
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    <itunes:title>How to Hire a Good Insurance Agent with Guest Micah Salas</itunes:title>
    <title>How to Hire a Good Insurance Agent with Guest Micah Salas</title>
    <itunes:summary><![CDATA[In this episode, our guest Micah Salas talks about his book "The Business Insurance Playbook" and gives business owners invaluable advice on how to pick a good insurance agent.  Don't miss this one! smarterrisk.com ]]></itunes:summary>
    <description><![CDATA[<p>In this episode, our guest Micah Salas talks about his book &quot;The Business Insurance Playbook&quot; and gives business owners invaluable advice on how to pick a good insurance agent.  Don&apos;t miss this one!</p><p>smarterrisk.com</p>]]></description>
    <content:encoded><![CDATA[<p>In this episode, our guest Micah Salas talks about his book &quot;The Business Insurance Playbook&quot; and gives business owners invaluable advice on how to pick a good insurance agent.  Don&apos;t miss this one!</p><p>smarterrisk.com</p>]]></content:encoded>
    <enclosure url="https://www.buzzsprout.com/2206855/episodes/13217659-how-to-hire-a-good-insurance-agent-with-guest-micah-salas.mp3" length="31991021" type="audio/mpeg" />
    <itunes:author>John Morlan</itunes:author>
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    <pubDate>Thu, 13 Jul 2023 11:00:00 -0400</pubDate>
    <itunes:duration>2662</itunes:duration>
    <itunes:keywords>Insurance, risk management, safety, risk control, workers compensation, liability insurance, Agent</itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>2</itunes:episode>
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    <itunes:title>Claims Management Decoded: Insider Tips for Controlling Claims and Saving Money on Insurance with Guest Nicole Corey</itunes:title>
    <title>Claims Management Decoded: Insider Tips for Controlling Claims and Saving Money on Insurance with Guest Nicole Corey</title>
    <itunes:summary><![CDATA[Nicole Corey is an expert in claims management and started her career in 2001.   Nicole holds numerous professional designations, including Worker's Compensation Claim Professional, Self-Insured Certificate, associate in risk management, OSHA 10, Construction Risk Insurance Specialist, and most recently, a WCIRB certification.    After transitioning to the broker side, she developed a more direct role with businesses giving her a better understanding of the issues that impact small busin...]]></itunes:summary>
    <description><![CDATA[<p>Nicole Corey is an expert in claims management and started her career in 2001.<br/><br/></p><p>Nicole holds numerous professional designations, including Worker&apos;s Compensation Claim Professional, Self-Insured Certificate, associate in risk management, OSHA 10, Construction Risk Insurance Specialist, and most recently, a WCIRB certification. <br/><br/></p><p>After transitioning to the broker side, she developed a more direct role with businesses giving her a better understanding of the issues that impact small business insurance rates. <br/><br/></p><p>Most recently, she struck out on her own and started CA Work Comp Advocacy. Nicole believes that employers can positively impact the claims process and that advocacy is the key to better claim results, including improved recovery for injured workers and lower claims costs for employers.</p><p>smarterrisk.com</p>]]></description>
    <content:encoded><![CDATA[<p>Nicole Corey is an expert in claims management and started her career in 2001.<br/><br/></p><p>Nicole holds numerous professional designations, including Worker&apos;s Compensation Claim Professional, Self-Insured Certificate, associate in risk management, OSHA 10, Construction Risk Insurance Specialist, and most recently, a WCIRB certification. <br/><br/></p><p>After transitioning to the broker side, she developed a more direct role with businesses giving her a better understanding of the issues that impact small business insurance rates. <br/><br/></p><p>Most recently, she struck out on her own and started CA Work Comp Advocacy. Nicole believes that employers can positively impact the claims process and that advocacy is the key to better claim results, including improved recovery for injured workers and lower claims costs for employers.</p><p>smarterrisk.com</p>]]></content:encoded>
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    <itunes:author>John Morlan</itunes:author>
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    <pubDate>Sun, 02 Jul 2023 12:00:00 -0400</pubDate>
    <itunes:duration>1799</itunes:duration>
    <itunes:keywords>   Insurance, claims, risk management, claims management, lower insurance cost, workers compensation</itunes:keywords>
    <itunes:season>1</itunes:season>
    <itunes:episode>1</itunes:episode>
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