Most insurance agencies are just quoting. Mike DeFalco built his agency around the idea that commercial clients deserve actual risk management, claims advocacy, and real value -- not just a price comparison. If you've ever wondered why so many businesses are dangerously underinsured, this conversation gets into the specifics. Mike DeFalco is the founder of a commercial-focused insurance agency built from the ground up to serve underserviced industries and niches. With years of experience across carrier and agency sides of the business, he identified a clear void in how small and mid-size commercial accounts were being handled -- and pulled the trigger on building something different. 0:00 -- Why Cheapest Coverage Is a Trap 3:12 -- What Pushed Mike to Start His Own Agency 7:45 -- Building a Commercial-Heavy Book From Day One 11:20 -- Choosing the  ...