By John Crist

Every week I speak with business owners who are sharp, hardworking, and doing everything right… except one thing:

They’re bleeding money through insurance and don’t even see it.

Not because they’re careless.
Not because they’re reckless.
But because the industry wasn’t built to educate them — it was built to confuse them.

After 28 years in commercial insurance, here’s the truth:

So in this first issue of The Protection Circle, let me give you one simple principle that could save your business thousands over time:

A good policy matches what your business actually does, not what a generic template assumes you do.

If your agent doesn’t understand your actual operations…
If they don’t know how you make money day-to-day…
If they never ask you deeper questions…

Then you’re paying for exposures you don’t have — and not paying enough for the ones you DO have.

That’s how losses get denied.
That’s how renewals jump by 15–40% overnight.
That’s how businesses get blindsided.

Each issue of The Protection Circle will give you:

✔ Simple clarity
✔ Practical strategy
✔ Straight talk
✔ Real examples
✔ No fluff, no fear tactics

Just what business owners actually need.

If you know someone who needs this kind of honesty in their corner, forward this email to them.

Welcome to the Circle.
We protect what matters, and we build wisdom week by week.

— John Crist
President, Prestizia Insurance
“Today’s Insurance, Tomorrow’s Security.”