[00:00:31] Speaker A: Foreign.
Hey, guys, welcome back to the Camp Guys podcast. It's Jay Oliver, the executive director here at Crowders Camps. Today, we're going to be talking about something that every single one of you guys want to hear about. Let's talk some insurance. Let's talk insurance brokers. Are they good guys? Are they bad guys? I don't know. Maybe you had a great experience with your insurance carriers. Maybe you have not. But I have two amazing guys here at the table with me today. They're from Morrow Insurance Company in Hendersonville, North Carolina. Guys, take a moment. Introduce yourself, please.
[00:01:07] Speaker B: Hey, Jay, thanks. Thanks for having us on the podcast today.
[00:01:11] Speaker A: Yeah, absolutely.
[00:01:11] Speaker B: Yeah. I'm Will Hendricks. I'm with Morrow Insurance Agency.
Been with Morrow since 2010 and specifically have worked with camp and outdoor recreation businesses since that time.
[00:01:22] Speaker A: So that's a good amount of time.
[00:01:24] Speaker C: Yeah. My name is Kyle Jeffries, and I'm relatively new to Mauro. I came over to the insurance side of this world about three years ago in 2021, 2022. And before that, I spent about a decade working in camping at a boys camp here just down the road from our home office called Falling Creek Camp for Boys. So worked for them for a long time. And then before that, I was actually worked in the social work world and youth development. So I've been working in and around organizations serving youth for the better part of, gosh, 15 years now.
[00:01:56] Speaker A: Yeah. Yeah.
[00:01:57] Speaker C: That makes me feel old.
[00:01:58] Speaker A: Yeah. The cool thing about you two guys is you guys, actually, I feel no camp ministry.
So you guys deal with a lot of camps. Y'all got a number. How many camps y'all deal with?
[00:02:09] Speaker B: Yeah, the agency. Our agency has been in the camp space for over 50 years. Obviously, Kyle and I haven't been in that space this long, but now you're too young. Slightly younger than that, thankfully. But no, we work with a little over 200 camps across 20 states.
[00:02:23] Speaker A: Wow, that's a lot of camps.
[00:02:24] Speaker B: So. So it's a great. It's a great space to be in, man. You know, generally speaking, people are just happy to be doing what they're doing.
[00:02:31] Speaker A: Yeah.
[00:02:32] Speaker B: You know, want our help.
[00:02:34] Speaker A: Yeah.
[00:02:36] Speaker C: And the product is people, right? Like, the product that our camps create is better people. I mean, who doesn't want more of those around?
[00:02:42] Speaker A: So the story behind Crowders Camps, and you might be sitting there listening, like, hey, I really need to hear this. We were dropped by insurance carrier. Not because of extravagant claims or anything like that, but we were dropped. I got the letter. Hey, our insurance is ending April 24th. So I had already heard about Morrow of years past. I mean you guys, when we first reached out to you wasn't the first time I've heard Mara, because we're in North Carolina with you guys. I knew about you, but we reached out to them, they came and met with us. We found out we was undercovered in a lot of different areas.
And now for the first time I feel like, hey, I got somebody I can ask good questions to. And also I feel like I'm covered the way that our camp should be covered. And I can sleep very well at night thinking, well, you know, if a tree falls we could actually have the money to replace the cabin instead of having a little nineteen thousand dollar cap. Sure. You know, that doesn't even buy the lumber to replace the cabin. So let me go through a couple questions because I know all the listeners want me to get into it. What are some of the highest risk areas you guys see that are in camp ministry?
[00:03:52] Speaker B: Yeah.
[00:03:53] Speaker A: What's the top claims?
[00:03:54] Speaker B: Well, okay, I'll give you kind of a 40,000 foot level of what's going on in insurance right now without trying to get too bored. But it has been a tough couple of years in the insurance space and there are several lines of insurance coverage that are kind of being placing a drag on the industry in terms of losses and what it's caused. But we're seeing a lot of property claims out there. We've seen natural disasters throughout the country, not just here in the Southeast obviously. We just recently went through Helene, which was really tough for western North Carolina and Georgia and places in between. But we've seen a lot of property losses out west with fires as you know what's going on in LA right now, there are actually some camps out there that are impacted.
And so it's really a sad situation.
But the wind has blown, storms have come in and the carriers are really taking a beating on the property line of business. So we're seeing a lot of companies that are a lot of different organizations that are calling us with the need to procure property insurance. And it's really, it's a, it's kind of a dire situation in some cases and the markets are becoming more limited. So we can get into that about what we could do to help better protect ourselves in a minute. But property certainly at the top.
Auto is one of those areas where we're seeing a lot of auto related claims. Really? Yeah. And if you think about it, you know, back in the day when summer camps used to run and they had 2004 Dodge vans and top loaded with tents and bags and, you know, old aluminum bumpers. And now everything has sensors in it. Now everything's, you know, on a delay to get parts and pieces. And if you've taken your car to the body shop in a while, you know how expensive it is to fix. So the minor ding in the parking lot is no more a minor ding. It's, you know, it's an expensive fix. So that's kind of placed a drag on the industry as well.
[00:05:44] Speaker A: Yeah.
[00:05:46] Speaker B: And then unfortunately, one of the areas that I. The other area I want to mention is unfortunate. I hate to even talk about it, but it needs to be talked about and that's abuse, abuse, abuse. And, you know, Kyle being in the camp space before this, you know, he was one of the first people ever really heard talk about this. Abuse is not always sexual in nature. Yeah. And.
[00:06:13] Speaker C: Yeah, yeah. And I think that's something that obviously over the last 10 to 15 years, there has been a groundswell of abuse claims of various types, whether it's serial abusers at any of the organizations we all know have been in national media over the last handful of years, and that was the trend for a long time, is we have to look out for this abuse of power between a relationship of a director or staff member and a camper. And more recently, we're seeing, and everyone's talking about it at any of the conferences, you know, three ca, aca, umcrm, whatever it is you may be at this swell, this rise in peer to peer abuse is something that we are really seeing a pretty dramatic switch in the amount of claims related to abuse between either cabin mates, another camper that's on your property, another group retreat member that's on your property, but it takes place on your property. And how do you handle that, whether your staff was involved or not? So we've seen a lot, a pretty high uptick in abuse claims that are peer to peer. The good news is we have seen a pretty dramatic, dramatic downturn of the traditional form of abuse, which is generally sexual in nature, and abuse of that power dynamic. Again, staff to camper, we've all become hyper vigilant and we're doing training now on a more serious note than we ever have for that and how to look out for that. But now this peer to peer thing sometimes looks like what we used to just call bullying. And it is that emotional abuse that we're talking about there, psychological abuse where there may not even be any physical harm done, but a child is just tormented by one of their cabin mates or a peer on the property while they're there. And so we're seeing an uptick in claims there, which is something that we talk a lot about whenever we talk to our partners about training as far as awareness goes and just being supervisory as you move around campus.
[00:07:57] Speaker A: Wow. So camp leaders, I mean, you heard there's three top ones, so we're all tree huggers. But if the tree's leaning towards the cabin, call that company in, get that tree cut down before hurricane comes in.
[00:08:11] Speaker C: I have a local arborist that just wants to come walk your property once a year and just say, what are the ones we got to get rid of?
[00:08:16] Speaker A: And it does a huge auto claims have your summer staff park all in one area. But here's a question I have. If a summer staffer hits a summer staffer's car, it doesn't really go on the camps insurance. Right. Even though it's on camp property. But if a wreck is more or less like our tractor hitting somebody's car. Okay, okay. And go ahead.
[00:08:36] Speaker B: No, no, I'm sorry. I was going to say that that is true. That really is kind of turned this a personal claim to what you're referring to.
[00:08:42] Speaker A: Oh, I thought it was. I'm just making sure I'm right.
[00:08:44] Speaker B: Yeah, that's right. I mean we're, we're seeing issues and the carriers are wanting to. What the carriers are wanting us to do is talk to our camps about the necessity of training. Like before you put 15 kids in a van with a seasonal driver, that that person has actually been trained to drive that vehicle. Yeah, right. And that they've gone through the necessary steps which include kind of that classroom style training, talking about the exposures that they're going to be faced with, whether it's driving at night or driving in inclement weather or whatever it is. And then some over the road training as well before being put, you know, in that situation where they're driving youth that they're actually able to take that vehicle that they're going to be driving kids around in, out on the road and do some test driving before they.
[00:09:37] Speaker A: Actually are given that get familiar with it.
[00:09:38] Speaker B: Yeah, absolutely.
[00:09:40] Speaker A: And then we heard, you know, the abuse claim, which is a shocker. You know, when you talk about peer to peer, you know, it's not really sexual abuse. It's not really, you know, counselor to kid abuse. It's a kid to kid abuse. So I think that's something new to kind of train up our summer staff with. We don't know what, what's happening inside the cabins. For us that's more group based camp. I mean we need to make sure our youth leaders are paying attention to things that happen inside the cabins. I mean those are very key points.
[00:10:09] Speaker C: Yeah. And I think whenever we talk about like claims in the insurance space, we often categorize things into one of two groups and that is to consider a claim from its point of severity. How greatly can this impact your organization? Whenever you talk about a, you know, a serial abuse claim, that's an organization ender, you know, it can be something that truly threatens the mission and the continued operation of your organization. But we also talk about the idea of frequency and there are a couple of things that, you know, if you gave me 30 seconds, I would just say from a frequency standpoint, whenever we look at our book of business, we talk to other brokers in this space across the country, whenever we work with our carrier partners. Some things that relate to general liability that we're seeing a trend in claims that are not necessarily highly severe, but there's a kind of an alarming frequency. Golf cart related injury is one that we're hearing a lot about. Golf carts, side by side, UTVs, any of those sort of not really intended for the road, but get driven on roads or whatever. That's something that we can't just throw counselors and staff members the keys to those and assume because it's a golf cart it's benign and that someone can't get seriously injured. Because we have seen pretty serious claims arise out of golf cart use. Other things would include murky water. Drowning deaths are on the rise right now, even clear water drowning deaths. And I think what a lot of carriers attribute that to is a lack of attention or focus in the guard stand or on the waterfront, but also a lack of training that you can't just do a one time pop training at the beginning of your season in May, May 18th and think that that's going to hold you over until August 15th without doing some intervals of sort of in service training there. And those trainings need to be serious and it'd be taken seriously. I would encourage you to do one that's unscheduled. Let's do an impromptu emergency response that no one knows is happening in a controlled environment. But let's see how our team really responds when the pressure is on and there is something happening that way. Another thing that is not necessarily claim active yet but that we are encouraging our camps and conference centers to do as it relates to is let's do at least one or two serious emergency action protocol a summer whether that is, what does an active shooter response look like on your campus? What does a severe weather threat look like on your campus? Wildfire tornado. Name whichever one is the greatest threat to you. And let's really run through one of those as if it is really happening so we can feel what it feels like when our heartbeat goes up and we're trying to figure out headcounts and we're trying to make sure people are where they need to be. Because I think that is one of those things that everyone assumes just can't happen to you and then it does. And especially for our ministerial organizations, I mean, unfortunately, you know, it is. We're in a space where the target on your necklaces or the cross on your necklace could just as easily be a target on your back for someone with ill intent. So we need to be ready for that sort of stuff if there are bad, bad folks out there who have ill intent on their mind.
[00:12:48] Speaker A: Yeah. Oh, that's amazing. I know you guys are listening. You're like, oh, wow, these guys are really, really smart because they really are going back to lifeguards. We have actually this year we're hiring our. We are hiring all of our lifeguards by the hour because we feel like that's going to be more attentive because they haven't been here all night. You know, they don't sleep on campus. They didn't stay up to one talking to the rest of the summer staff. We're going to rent a pool at the end of April, a local school that's heated so that we can have very good training sessions with them two weekends in a row. And then every Wednesday here our team does in services on something.
And even as we go through the summer, before they even start their guard shifts, they'll go through in services where they'll be be broken neck, flip them on backboards, how we get them up on the dock, you know, all those things. And if you as a camp leader, if you need some help with your lifeguards, maybe you don't, maybe you in house certify them. I don't recommend that at all. A lot of camps are like we just do it in in house. I stay with the American Red Cross standards. Noah Oliver, he's on our staff. Noahroderscamps.com He's a lifeguard trainer. He would love to come out to your camp, help train your lifeguards, certify them red Cross stand which means they can go Get a job at their college. You know, they, they have actually a certificate not from, you know, Southern Baptist camp certified me that does not go anywhere in lifeguarding. And if a near, if a drowning did happen or something injury happened, and that parent asked, well, who certified your guards? And you said, Billy did.
To what standards?
[00:14:28] Speaker C: Sure.
[00:14:29] Speaker A: Did Billy, you know, awaken swimming?
[00:14:31] Speaker B: Right.
[00:14:32] Speaker A: So there's actually technique to that.
[00:14:35] Speaker C: Number two one in here. Real quick, before you jump off on this. As far as it goes with in service, one of the things I think we get wrapped up in in the camp and conference center space, maybe more in the camp space, is that all of our victims are going to be eight year old, eight years old and weigh 70 pounds.
[00:14:48] Speaker A: Yeah.
[00:14:49] Speaker C: Do one in service a year where you put a big dude on a backboard so you know what it feels like to go and have to rescue a 230 pounder who's having a cardiac event in the water. And the reason I say that was actually we have seen some trends, especially since COVID where there's more of a focus on family camp and having family groups on the property is, you know, mom or dad who really haven't done a ton of physical activity in 25 years, decide they want to try and do that really strenuous hike, or they think they can do the rope swing or they think they can jump in the freezing water that the 8 year olds seem to be immune to. And then they have an event. But we're so used to responding to little bitties that we're not used to responding to a full grown adult. So go find a maintenance guy, go find some big burly dude and put them through and let them be eventually.
[00:15:31] Speaker B: One other thing, I think the fact that you guys are looking at that third party training piece sets you up to be a poster child for what the insurance companies are actually wanting to see. They're really pushing for not just in terms of lifeguard training, but on multiple levels. So a lot of companies now are wanting to see our camp clients use third party training for abuse prevention. You know, have an outside set of eyes come in, look at your policies and procedures, and even talk to your staff during orientation periods about the need for proper supervision and reporting and reporting of abuse claims and that sort of thing. So it's easy for us as camp directors to get into kind of that rut and you give that same presentation year over year over year, and it starts to fall on deaf ears. So sometimes it's nice to have a fresh set of eyes and a fresh Voice to come in and really hit home on some of those important things. It can be done on your driver training. You know, Kyle, that's something Kyle and I do. We work with our clients. Kyle does a lot of orientation presentations as a camp director with a loud mouth. He comes in.
[00:16:35] Speaker A: Yeah, man.
[00:16:35] Speaker B: Yeah, he does that often. And it's really good. And actually I'm kind of captivated by it. So as part of, you know, being a client of Morrow, we do that for a lot of our accounts. But you know, and then there's the acct training. So when you have a ropes course, zip lines that are acct certified, you know, one of those things that the carriers are really wanting to see. It's not been mandated yet, but we are seeing a trend in the direction they want it to be. First generation training so that those ACCT PBMs are coming in and actually providing the training to your staff that are going to be running the course as opposed to, you know, the leader of your high adventure activities being trained and then passing the training down second generation.
So, you know, there's a layer of protection in there.
[00:17:26] Speaker A: And that's hard to do for some camps.
[00:17:28] Speaker B: It is.
[00:17:28] Speaker C: Sure it is.
[00:17:29] Speaker B: It's a budget thing.
[00:17:30] Speaker A: It's really hard. That's why we, we consider our first generation, which is Nathan Vess and now Justin, another guy who's my campus director at Crowder Springs. They're both kind of equals. Equals in the high ropes area. Well, we're flying them tomorrow to Cleveland, Ohio to the accident conference so that they're as close to those facilitators as possible. They're learning the new things of the industry, the what nots to do. The risk. I mean it's amazing. Things came back last year and was like what they said this was a risk, you know, and we. And he was able to change procedures and policies. So you know, just getting them, getting them that close or sending people to that conference is, you know, so maybe CTI or CDI who did does our ropes can't come certify, but let's get them as close to that ground zero as you can. As you can.
[00:18:22] Speaker B: And there's so few of those companies out there that do that sort of work. And there are enough camps that it's. It would be impossible for first generation training. Right. For everyone from a standpoint of budgetary time and logistical, you know, is impossible. But yeah, try to get as many people trained as you can. And the other thing too that is important is that you have staff that come in throughout the year. Don't put someone who's come in two weeks after training. And just because they did it three years ago, you think they may be up to speed. They really do need to be trained by your in person, your in house person before being put.
[00:18:59] Speaker A: A huge bottleneck in this first generation thing is all of us that are listening to this podcast are all bringing our summer staff in at pretty much the same time.
[00:19:07] Speaker B: Right.
[00:19:08] Speaker A: You know, so it's hard. And most of us listening hadn't even hired all of our summer staff yet. Don't even know who's running the ropes this summer. So to do it do a crowders camp's going to do their training in January. It's almost impossible, you know, to know that. So everybody's booking, you know, the same companies that build our ropes courses for the same month, May, May, May, May, May. And so they got to hire like 180 employees, you know, to be able to go out and do that. So you need to keep whoever's on your staff that's in charge of your ropes procedures as close to that first generation as possible. And that's by investing that airfare, invest in that conference fee, get them to the best, which is aac. Whatever t do, I don't go to this conference. That's why I can't pronounce it. But you know, those are just small things that we can do to make us as close to that first generation as possible.
So that's good. What else you guys, I mean, 200 camps, what else can camps do to help protect themselves?
[00:20:04] Speaker B: Sure. Well, I'll tell you this. I mean the insurance industry unfortunately is getting smaller for camps, conference centers and outdoor recreation types risk. And I think it, you know, there have been quite a few losses that the profitability for the insurance companies just from a pure loss ratio hasn't been there over the past couple of years. So you're starting to see some carriers pull out of the marketplace and especially areas where, you know, they're wind prone areas or fire prone areas are having a real difficult time. We get calls from camps in California, you know, the.
[00:20:37] Speaker C: Florida.
[00:20:38] Speaker B: Florida, yeah, Florida.
[00:20:41] Speaker C: Right now.
[00:20:41] Speaker B: It's a great place to go, go visit. It's a tough place to write insurance. But you know, I think that what you need to do is if you're with a camp, if you operate a camp and you have a local agent that or broker that really, you know, maybe writes, insures your camp and maybe one other, you know, I would go away from the one off mom and pop type shop and really try to find an agency or broker that specializes in camp and outdoor recreation or camp and conference center type business. And this is not just a plug for Moro Insurance. There are other brokers out there that do what we do.
But it is becoming such a small marketplace that you really need somebody with those relationships with the carriers that have some volume with those carriers that can help you kind of procure that insurance and hopefully stick with a carrier as opposed to kind of that one off situation.
[00:21:40] Speaker A: I know when you guys looked at our insurance policy, we had it with another carrier. We found out we were seriously undercovered on a lot of our buildings. And that's something you guys really helped us out with by looking through there with us. So pull out your insurance books and check out if something happens, how much will you get for this cabin? Yeah, you do find out where you're at.
[00:22:03] Speaker B: You need to have those conversations. It's not just, I mean, it's like everything from your abuse limits to your auto limits to whether or not you have a commercial umbrella policy. I mean, you need to have conversations with your broker and figure out what they know and don't know about camp and start with that. But then don't be afraid to reach out to, you know, industry professionals that do know a lot about camp insurance. Because I think you might learn a lot if you're in that, you know, that situation where you're kind of with a one off agent.
[00:22:31] Speaker C: And to be fair, Jay, we find that 80% of the clients that we take on as new clients year to year are probably underinsured to what we have come comfortable with as kind of a standard across our book of business. And I think that isn't.
[00:22:47] Speaker A: You think it was because of inflation or because it was. We want your business and we're going to give you a smaller rate.
[00:22:52] Speaker C: I think it's, it's probably my smile, you know, little twinkling. I think it really has to do more. The fact you buy insurance. Nobody likes talking about it. It is a bear to renew every year. It's a lot of paperwork work. It's really an easy one to mail in and say, all right, good enough, here's the renewal. Without really digging into those policy coverage changes year to year, building value changes year to year. It just takes time, man. You kind of got to get in there and get in the weeds and dig a little bit. But part of what Will and I really enjoy doing is obviously the relationship piece, getting to know folks like yourself and your team. But also we want you to feel really comfortable what you're buying, you know, that you're not just stroking a check and saying, here's our premium for the year. We'll talk to you in 11 months when it's renewal time. We want you to have that peace of mind that you know that the risks that are specific to your organization are covered and that your property is well taken care of in the event of some sort of disaster. What happened?
[00:23:40] Speaker A: Yeah. So I filed for a builder's risk clause because we're getting ready to build a Crowder Springs. And these guys just. They're like, hey, we're gonna come see you. Let's. Let's sit down and talk. And, you know, that means a lot, you know, just to have conversations. You guys could have did that over zoom, but you came yout is one of those things.
[00:23:57] Speaker B: It's probably your least favorite task every year is to go through. And I get it. Like, I'm in this business. I understand how much of a bear, like Kyle, you know, mentioned a bear. It can be. But, you know, you may despise insurance until you need it. And when you need it. Excuse me. When you need it, you better make sure it's done correctly.
[00:24:15] Speaker A: Yeah.
Here's my best advice, my best nugget to anybody listening. If you do not like insurance, give it to the staff person that does. Yeah. And mine's a Russell. Right. Somebody that wants the book. He wants the read the book. Right. I put the book in the cabinet. I get it out when I need it. I got other things to do. My job's don't go broke, don't run out of money. Hire and fire and cast. Vision. You know, that's the three things I'm best at, and that's what I want to do. So. Last question. Answer this great question for all of our listeners. What exactly is insurance for? You know, is it for peace of mind or, you know, do we get the small claim? Should we claim it, or should we hold off on something that our. Our financial resources can't cover? What is insurance really for?
[00:25:03] Speaker B: That's a really good question.
[00:25:05] Speaker A: It's deep, I know.
[00:25:06] Speaker B: No, it is a deep question. I'll tell you why is because I think the answer can change in different kind of market cycles, and we're in a tough marketplace right now. So if you use your insurance policy like a maintenance policy for small claims, you're going to pay for it in the end, I promise you. The insurance companies are not nonprofits.
[00:25:26] Speaker A: Yeah.
[00:25:27] Speaker B: So you need the form of premium.
[00:25:30] Speaker C: Increase over year like year over year, is what you're saying, correct? Yeah.
[00:25:33] Speaker A: Well, that's your nugget. He just said a big nugget. If you use it like a maintenance, you know, policy.
[00:25:38] Speaker B: Use it like a maintenance policy, it will come back to roost, unfortunately. But insurance is there to make your organization whole in the toughest of times.
[00:25:46] Speaker A: Yeah, right.
[00:25:46] Speaker B: Right. So there is no black or white answer to what you just asked. I think that you need to have a thoughtful conversation with your broker before you decide to file a claim.
And you know, Kyle and I would offer this up to anyone, even if you're not a client of Morrow Insurance, but you just want to have a discussion about what is. Does this make sense? You know, I've got a. Now I've got a $5,000 deductible, and my claim is, you know, property claim is up to $10,000. What does that look like? I mean, it may make sense to file that claim claim. Right. You've got to look at your cash flow. You've got to look what your abilities are to, you know, bring your organization back online after a claim. But, you know, if you can stomach some of those losses, it's probably recommended. And so, you know, I just think you. You have to. Big picture. Look at the big picture today in this marketplace because insurance is so tough for camps that we don't want to abuse it.
[00:26:47] Speaker A: Yeah. And I think there's a. There's probably a hundred other camps out there listening to this right now that still has. Has not upped their coverage since all the inflation started.
[00:27:00] Speaker B: Sure.
[00:27:01] Speaker A: Literally. We had a tree, big old pine fall on a 22 by 22 cabin. The cap on the cabin was 19,000. Just the lumber package was 18 something. Just the lumber package alone. That wasn't even framing labor. Nothing else. No met metal roof, nothing else. No windows, doors, electrical, nothing plumbing.
And we were so undercovered. And so a good nugget for all you guys listening is go to your policy, see how your coverage is. If you had to rebuild it today, could you. If not, maybe you need to have a conversation with your agents.
Maybe you don't have a personal relationship with your carriers and your agents. And you would like to talk to somebody. You guys are great. I'm gonna go ahead and tell you. You guys. So how does people get in touch with you guys if they have questions about insurance?
[00:27:53] Speaker B: Sure. I mean, I think the easiest way to find us is on our website, www.morrowinsurance.com and you that we have a camp link in there and you can find the our contact information, look up Kyle Jeffries or Will Hendricks and shoot us an email or give us a call. Yeah, we go to a lot of camp conferences. We go to the 3 CA conference. We go to the ACA, you know, the American Camp Association, Camp Owners and Directors Association.
[00:28:19] Speaker C: Just we'll be at UMCRM national in Houston, Texas next week, March 4th. We'll be at Bon Clarken for Georgia Carolinas 3 CA or Carolinas Virginia 3 CA.
[00:28:33] Speaker B: Be at Woodlands Camp conference.
[00:28:35] Speaker C: Yeah, I don't know when this comes out but we'll be, we'll be at woodlands for Georgia 3ca. So we're out there and we'd love to talk to folks and, and again our goal is always is just to help folks better understand what they're getting, serve and protect the mission of their organization.
[00:28:47] Speaker A: Yeah. Now have you guys seen that Morrow's carriers cover anybody internationally in camp ministry or mainly in domestic?
[00:28:56] Speaker B: We have some organizations that are based domestically but have a lot of international programs and we are able to put together policies for international.
[00:29:06] Speaker A: Yeah, we had a guy come over to the camp just last week who's starting a camp in Poland.
They already have 20 something cabins. I mean it's already there. So he's making a Christian camp out of it. It's really cool to see what God's doing over there. It's very unchristian area. We're only like 3% so he's gonna do amazing.
[00:29:25] Speaker B: We're happy to have conversations with anyone and if we can't help, we certainly will be the first to tell them. But try to steer them in the right direction so not just to leave them hanging.
[00:29:33] Speaker A: Yeah, these guys are amazing resource. If you need them, reach out Morrow Insurance company in Hendersonville, North Carolina. I hope you've enjoyed this podcast. If you have any questions, email
[email protected] God bless you. Have a great day.
[00:29:47] Speaker B: Thanks man. Jay. Thanks buddy.
[00:29:49] Speaker A: Thank you guys.
