Business Insurance with Brian Garrison, On Point Insurance Consulting

[00:00:02] What you want when you want it, where you want it. This is the MESH. Welcome to Beyond's Provenor Exchange on the MESH podcast network. A monthly conversation about startups and small business with ideas tools and advice to operate your business more effectively.

[00:00:26] On today's show, Confucius one set about starting a business, needing insurance is like a parachute. If it isn't there, chances are you won't be needing it in the future. Today our guest is Brian Garrison with On Point Consulting who works to help businesses with their insurance needs.

[00:00:44] We'll talk about what you need to know about insurance to start your business. Plus I'll see how many insurance jokes I can throw in. So, strap yourselves in for an exciting show. We'll also have our small business of the month feature.

[00:00:56] We'll recommend some interesting businesses that you should be checking out. My name is Jeff Nouvell. I'm your host and director of the Manufacturing Solutions Center at Connover, North Carolina. Unfortunately my tip of my usual side hit Gary Mueller's not with us today, but he'll be back soon.

[00:01:11] And we hope he's doing well. Before we get started with Brian, I wanted to give a shout out to the NCID Entrepreneurship Summit. We're just going to be held here in North Carolina in Raleigh, November 13 through 15. You should check that out at NCIDN.org.

[00:01:30] We've had the Executive Director of NCIDN Tom Rue, as a podcast guest before. I attended the summit last year. It was outstanding. If you're interested in funding, if you're interested in entrepreneurship resources,

[00:01:43] if you're interested in innovation, if you're interested in networking with folks who might be able to help your business. You should consider attending the NCID Entrepreneurship Summit. And again, that's November 13 through 15. Check it out at NCIDN.org.

[00:02:01] If you go, the Manufacturing Solutions Center is going to have a table there at the resource fair. So come check us out. We'd love to say hello. Our guest today is Brian Garrison with on-point consulting. Brian, how's it going today?

[00:02:20] Very, very well. I love this time of year. College basketball getting ready to kick off. Getting ready to kick off and for some of those who have disappointing college football teams, we can't wait for college basketball season to start.

[00:02:36] Yes, I'm also a Tar Hill football fan and these last two losses have been brutal. I've been very disappointing now, but I appreciate that your Tar Hill fan. You're also a graduate of Appalachian State.

[00:02:50] I know that you spent 20 years as a licensed insurance agent or you were selling and servicing anything from auto home life health insurance. And you've got the designation of life underwriter training council fellow.

[00:03:08] You're doing a lot of good stuff in 2020. You started your own business on point consulting to help businesses and individuals navigate their own insurance needs, right? That's correct. And how's the business going? Doing well. We're really growing and entering into some new markets.

[00:03:30] Recently, we've one of our recent partnerships is partnering with some colleges with their NIL programs. I'm really. Yep. I'll keep the names of the colleges confidential, but basically it's where we go in and provide insurance coaching to these athletes on a football program.

[00:03:55] And a lot of times when they get a certain NIL deal, obviously comes some additional money. Well, when these athletes have some additional money, they go out and maybe they buy certain jewelry or random cylinder vehicles and then doctor them whatever. Or a vehicle or anything.

[00:04:17] So where they are just to kind of guide them along with that process, telling what they need to do. Okay. I would be are you focused on insurance or you just more providing more financial advice or a little all the above?

[00:04:28] It's a little bit of everything, but mostly insurance, you know, kind of just pointing them in the right direction. And I would thank you. A young athlete kind of like a young business probably doesn't think about that. They're bullet proof.

[00:04:43] They never have to worry about that, but you know, someone that's a young football player who thinks that they're going to be making lots of money. You know, one bad turn, one bad knee injury, they might not be in the game any longer. That's right.

[00:04:58] So anyway, that's cool. Well, tell us a little bit about what on point does with insurance and you know why did you get started with on point? Okay. I started on point about three years ago and what makes us a little unique is that we don't sell insurance.

[00:05:18] We're strictly a advisory consultant, if you will. So individuals and businesses can send over their insurance and with an unbiased eye, so to speak. We can really look at their policies and really see if there's any gaps where are the gaps.

[00:05:41] Are there areas that they are uninsured, under insured or maybe maybe their areas where they're overinsured? Maybe double covered. So it's about finding those gaps in those areas. So that's where we operate and it's been very good for us. And are you working with businesses and individuals?

[00:06:05] And you have a focus in a certain area. About 90% of it now is businesses. New businesses getting started, but also businesses that are in that maybe three to four year range where they just started and are trying to iron out some things.

[00:06:22] They're in a position now where they're making some good money. And they ready to take that next step. Now, your question. Do you know what a woman and insurance have in common? Don't answer that. You only get in trouble.

[00:06:37] They're both expensive difficult to understand and what you get is not guaranteed excellent. Have you heard that one before? I have not heard that one. That's good one. You can use that one. Okay. So now that's a freebie. That's a freebie. I've got plenty.

[00:06:52] So now you talked about working with startup businesses. Now what type of insurance should start up businesses be most concerned about? Well, there's really three. And that is a basic, almost every business owner needs a general liability policy. Where they can get product liability coverage.

[00:07:15] That's a big piece in somebody's new business now. Because more and more people are selling items on Etsy, for example. Right? Maybe they're making candles or loathings and they're selling them online. Well, they need some product liability. Okay. At the core.

[00:07:34] And they can pick that up under a basic general liability policy. So that's right off. They need to be aware of that. But also now with the platforms on social media that folks operating on.

[00:07:47] They need to be mindful of what's called eonocoverage errors and emissions or professional liability. Professional liability. Anytime someone now starts a business, they need to be very mindful if they've got a voice on a certain platform. Whether that's you know YouTube, Instagram, Facebook, and they're giving advice.

[00:08:09] Council direction, coaching guidance that has the potential to harm someone. Maybe it's potential harm someone medically or financially. You need to be very careful about that. You need to pick up some eonocoverage. So would it be appropriate that the mesh podcast network have some sort of insurance.

[00:08:29] People like you and I get on and start giving out crazy advice. You know, and people having for good people listen to us. They could get in trouble 100%. All right. Our friends are free. Food for thought.

[00:08:43] I'm not sure how much longer they're going to let me be on this. But anyway. So now you mentioned, you know, or errors in a mission. Is that something that is more significant when it comes to services? Or is that more a more general type thing?

[00:09:02] It's largely service driven. Folks who are realtors, insurance agents, mortgage brokers, you know, financial sector. It's largely that. And now, one thing that I always get confused about for service providers. Like the guy is going to come over and I've got a tree in my yard.

[00:09:23] And it's a big tree. And if it goes down the wrong way, it might fall on my house type tree. But he's going to do some work on it. And should he be bonded? Should he be insured? Should he be both?

[00:09:38] And why do one of the differences in those? It's a great question. Here in North Carolina, let's just call that person the handyman, handyperson, right? The, the, the come to do some chores like that around the house.

[00:09:51] Well, number one, that person is not required to get insurance or or a special license. I'll say that. Special license, if he's doing less than $30,000. Okay? You know, those small jobs, it's really his responsibility or her.

[00:10:14] Their responsibility of the individual to get their own general liability policy to cover those acts of negligence. So that way ideally in a perfect world, we as the homeowner for hiring someone to do some

[00:10:29] large jobs around the house, we would request that they have the wrong general liability policy. Most of the time, the people that we yet know us, we have a strong relationship with them, they trust us and they wouldn't sue us. But you never know.

[00:10:47] We live in a very litigious society now. But I guess that concern there is what two factors, one, what if he gets hurt? Could hear his family say, well, you know, you shouldn't have had him working on that writing or dead tree in the first place.

[00:11:05] Or you shouldn't have, you know, you know about that big hole in the back there, or you know, you know, you had some missing shingles and you posed a risk. You put my husband at risk there.

[00:11:16] So yeah, you know, we all run the risk there if we don't get a coverage or a, or a certificate of insurance. Show him that he's covered. No, now sometimes these guys say I'm bonded.

[00:11:29] Now what does he mean by that and should I be worrying about that bond? This completely different than insurance. All the bond does is say that he will fulfill his contractual duty. That's it. Hey, I promise if I, you know, you hire me to do this paint job.

[00:11:48] It'll take me five days and here's what I'll do. I'm bonded. Well, it's just an agreement that you're, it's, that you're going to finish that job. So if he does it in seven days, do I not have to pay him? Five, three, whatever. Okay. Yeah.

[00:12:03] So I shouldn't worry so much about someone telling me they're bonded. I really need to make sure they've got the proper insurance. Insurance first. Okay. That's, that's helpful for me. So now when I was doing my extensive Google research before this,

[00:12:19] podcast, I came across something called employment liability protection insurance. And sort of getting into if I've got a company, I start hiring people. If I, if I upset them, they might try to take legal action against me. Is that something that businesses should, should start to worry about?

[00:12:37] Jeff, it's huge now. Employment practices liability coverage is okay. So what people need to be aware of there is sexual harassment. We're discrimination. And we're against these things. That's right. Okay. That's checking. Yep. But it covers acts of harassment, discrimination and wrongful termination.

[00:13:00] So they're allowed to do those things? No. Okay. Absolutely not. Okay. But yeah, it's one of those things in the past. A lot of companies have really not taken out that kind of coverage. But especially going back to the era, the culture of the rain, where folks sue

[00:13:21] over anything and everything. It definitely be in your best interest to have employment practices liability. So here's a question for you. Why doesn't Santa provide health insurance to his workers? Because they are all, all, health employed. Self employed, get it? I love it. Yeah, we're past Halloween.

[00:13:45] We haven't gotten a Thanksgiving. The Christmas is out there. Anyway, so if I am self employed, what implications are there for me for getting insurance at this point in time? Is that like am I looking at Obamacare or stuff? If I'm a self employed person?

[00:14:03] I related to health insurance. Yeah. Okay. First of all, like if you have employees or stomachs, kind of, a group policies, yeah, it's navigating a very difficult journey now because the rates here in North Carolina, they tell people this.

[00:14:26] They drastically vary from one insurance company to the next. The most important thing when an employer, a small business owner, is looking for their personal health insurance or their group coverage, make sure that your doctor and

[00:14:43] employees make sure that their primary doctor is in the network of that plan. Time and time again when I review a policy and health insurance, I see someone who they've switched over when it comes time to renew.

[00:15:00] And their primary care physician or their hospital even that they use is not part of that plan. They don't honor that particular plan. So that's the first thing that they need to do is see, hey, this doctor and this hospital

[00:15:15] that I go to when I have to go, they're part of the in network coverage. So you certainly don't want to be out of network, the cost is tremendous. So if I have a small business, starting a small business, are there certain sort of other risks

[00:15:40] out there that I should be considering or thinking about that I might be able to improve my lot if I found a way to ensure against them? What other risk should I be thinking about that after that might not come to mind that quickly?

[00:15:56] Okay, well right now and I do a nice webinar on cybersecurity, cyber threats. Okay, but specifically it's not so much where I detailed terminology related to cyber threats. It's cyber threats and data breaches and how insurance a cyber policy, okay? A good cyber policy can protect your business.

[00:16:24] Okay, what I talk about in a cyber webinar is first of all there's kind of different layers. The first layer is you need to incorporate anti virus software, number one. But after that a good insurance policy, a robust cyber policy, will do a couple things.

[00:16:44] Number one, when you do have a data breach it will begin the notification of the affected customers. Whether it's employees or your clients. The policy actually does that? Yep, yep, they respond with that.

[00:16:56] Number two, immediately when that claim is filed a good insurance policy will have a legal team assigned to your case to begin any kind of legal process to go to that for you. Thirdly, business income loss. You'll have a downtime there where you're trying to get reestablished.

[00:17:20] It might be three or four days, it might be three weeks but a good policy will have that loss of business income. Apply to that. So those three components under a cyber policy are critical.

[00:17:33] But while I'm talking about the business loss income, that's another key area that a lot of business owners, especially new business owners don't really realize that in a general liability policy or other policies.

[00:17:51] They need to be aware they need to ask their agent, hey, does this policy have? Does it include loss of business income? Okay, because when you file a claim whether it's a liability claim or we're talking about cyber threats.

[00:18:06] When you have a claim and you have a situation where you're not able to run your business week or month, you're a policy needs to respond to income still coming in during that time. So that's a key component I will tell our listeners about also business income.

[00:18:27] Now you're talking about cyber threats which is unfortunately become a more visible and bigger issue out there at this, you know, these days.

[00:18:37] I would think that there are several different risks that maybe insurance helps with, maybe not, but I would think that you mentioned contacting people that whose information might have been part of this. Which I don't know, people might get upset and say I'm going to sue you.

[00:18:57] Right, does cyber policy help me with that? That's exactly right. There are key endorsements and that's one of them Jeff to make sure that your policy has on that. So it's not standard but it's an endorsement on that policy to include on that protection.

[00:19:17] And so that leads me to another question. So I know that there are situations, some have been very public, some not so much where someone has gotten malware or whatnot into an organization's computer system and basically they charged ransom to release it.

[00:19:41] You know, you and I've heard this from big companies. I've heard this from small nonprofits which just scratch your head saying why someone messing with a small nonprofit maybe because there's fewer barriers to to get to that information.

[00:19:54] Can a cyber policy cover me that where if somebody is saying well you pay us $10,000 and we're going to release your data. Not that I'm proponent of negotiating with terrorists but sometimes you have to make a business decision. Exactly. Can a policy help me with that?

[00:20:13] It is one of the things that you're talking about, social engineering. I think that's what it's the endorsement. It's actually called under that policy but that's how that specifically responds to that occurrence. Again, got to be careful.

[00:20:27] It's not standard in a lot of that of breach policies but it is an endorsement. Especially if you have multiple employees and you know, you have a lot of exposure I'll say. Then that kind of social engineering that response needs to be on there. It can be.

[00:20:48] It's not standard. It's not standard. It's not standard. It's a better as for it or investigate it and figure out what is going to cost you. Yeah. And typically you can get up to $100,000 of protection there. To pay in ransom.

[00:21:01] So, Brian, do you know the difference between a man and a whole life policy? A whole life policy eventually matures. That one I like. You can use that one. That one we're going to offend both the end of today. So, you know, we have an equal opportunity offender.

[00:21:24] I hope to mesh you guys good insurance. That's all I can say. Yeah. So, for a business owner perspective, what sort of mistakes do you often see out there? You mentioned sometimes people don't have enough insurance.

[00:21:43] Sometimes maybe people have too much insurance and you mentioned gaps or are there common errors that people often make in. You know, when they're in business about how they approach insurance. Mainly staying on top of it or forgetting to be proactive with it.

[00:22:06] One of the key things that I see all the time is when I'm reviewing someone's commercial auto policy for business. I'll look on there and I'll see, say, a number of vehicles. And as I'm reviewing it with the business owner or business owners, they'll ask me,

[00:22:28] well, okay. But what about my 2021-4250 that we also use or might be two or three vehicles? So, I look on there and go, well it's not on there. When did you get it? They say, had it about a year? Maybe six or eight months.

[00:22:47] The situation and it's a good thing when a business starts really growing. Multiple employees, your hiring new employees, your hiring new drivers. One of the key things that gets missed is someone overseeing to make sure that that driver or driver's new drivers

[00:23:05] and new vehicles actually get added on. A lot of times that gap that you're talking about, the company will have someone go to the dealership, go through that process by truck or to whatever. And the salesperson there at the Cardiola share, Cardiola ship, we'll say,

[00:23:27] Got you taken care of Jeff. I'll call you in, sure it's company tomorrow and get this sucker added on for you. And he never did. So those things that we kind of rely or were told, they'll do it.

[00:23:42] You just need to follow up on it because drivers and vehicles have a funny way or not so funny way of getting missed to be added on to the policy. A second thing that gets missed all the time.

[00:23:58] There's an endorsement out there, Jeff called hired and non-owner auto endorsement. HNOA hired and non-owner auto endorsement. Here's the exposure for a business. It's missed so frequently. Let's say a business owner. They have an employee who they need. Let's say it's after hours on a weekend.

[00:24:29] That business owner contacts that employee, one of their employees, for them to do a work specific work here and something for the business. And it's maybe after hours, maybe it's on a weekend. Well that employee says, sure Jeff, I'll be glad to do that.

[00:24:48] And that employee drives their personal vehicle. They're not on the clock so to speak. They take their personal vehicle and they're on the way to run an air and down in South Carolina, wherever. And they have an accident. It's their fault. It's the employees fault.

[00:25:08] They have an accident. They have property damage. They total someone else's vehicle and they call some bodily injury in that vehicle, two through people are injured. Without that endorsement I just mentioned, that business is exposed to the liability nature there. Because the person was doing something business related.

[00:25:32] That's right. It's an endorsement and it all think it's missed. But I would encourage especially business owners to look at that. And maybe if you don't have employee years and you're not at that risk, great. But just be thinking about it down the road.

[00:25:49] As you hire employees and have vehicles, be mindful. It's nearly nothing premium-wise to add on to that. So it's a phenomenal endorsement to have on there to cover that gap. Okay. Wouldn't it thought about that? But it does bring up the thought of, you know, if I'm,

[00:26:10] I don't know. Whatever I'm doing, I've started my own service business and I'm just using my personal vehicle, both for my personal life as well as my business life. Are there certain? I have an insurance policy on my vehicle when I got registered.

[00:26:30] Is there something I need to be doing to build it into my business policy? Yes. And here's what I say to that, Jeff. If you're going to be using your vehicle for a side business, doesn't matter. I tell people, here's what you do.

[00:26:46] You don't have to go title that to a business, that personal vehicle. But you do need to notify your insurance carrier and classify your vehicle business use. Business use. It doesn't require moving it on to a new policy, nothing like that.

[00:27:04] It just changes the, what the insurance company's called, Classification of it to business use. So a couple things there. One, if you're audited, right? They can look at your, one of the first things and an auditor will do. Believe it or not.

[00:27:21] They will look at your audit, personal audit policy and see how your vehicle is titled. How's class? I should say. So if I've been like taking expenses associated with that vehicle, they want to make sure it's classified as a business vehicle. That's correct. Right. Good. Yeah.

[00:27:38] I suspect most people are taking mileage one way or the other. Yeah. So that's, that's good to know. Yeah. Business use again. It's sort of the same premise that other endorsement, the hired and on oner audit endorsement. This endorsement for business use. Penis on the dollar. Dad.

[00:28:00] We just, we're, we're sitting here early November. We just got through Halloween. Are there any nightmare business situations that you've had to live through that could have been avoided if someone had, insured their lives a little bit more properly? Yes. And it's related to ensuring their business tools.

[00:28:27] Yeah. You know, most everyone in business has tools, business tools and equipment, and more on more than one occasion I've been involved with a situation where folks have been advised to get that policy to cover their tools. And that's not a big deal.

[00:28:49] I only have a couple thousand dollars worth. No. Two things, it's a couple thousand dollars worth. One. But number two, now you don't have tools to operate your business. You're pretty much out of business is something I can do. Right, Adam. Exactly.

[00:29:05] Are you talking theft or you talking theft? Yeah. Yeah. You know, one, two of the biggest components is vandalism and theft. But most contractors, you know, if you're, you know, got a long company, you know, your word is someone's going to steal your equipment.

[00:29:24] You know, movers and blowers, I mean, so it's the what it does having insurance, whatever it is, your tools, your cyber, you know, all that. It allows you, a good insurance policy allows you to get back on your feed and get money quicker.

[00:29:43] Well, that reminds me of a situation where I had a friend who's barn burned down and is wife called the insurance company and said our barn was in sugar for $50,000. I'd like to get our money. And the insurance agent said, well, just hold on.

[00:30:01] You know, it doesn't work like that. We have to just assess the value of the building and then we'll provide you with the new one of comparable value. And she saw it about that for a little bit. She said, well, that's the way it works.

[00:30:12] I'd like to cancel the policy that I have on my husband. I can't tell you who it was. It was like a personal store there. Anyway, well, yeah, your, your business is about insurance, but you're also a business person.

[00:30:29] You know, how or what's sort of challenges, you know, from a business perspective as a small business owner, or have you run into and how or things going on that front? Jeff, probably the biggest challenge I faced in over the last two to three years has been managing

[00:30:55] marketing sales appointments, creating and voicing. When you're doing it like most new business owners, they're sort of bootstrapped. You know, you're trying to maximize your dollar and most small business owners are asked to wear all those hats.

[00:31:17] You're trying to be in charge and lead an effort for your marketing team. Because you wore the marketing team, the social media posts that you need to put out there to get the word out. How do you drive sales? How do you manage your appointments?

[00:31:32] What systems out there? I was really struggling with that until Laura, my wife, introduced me to a software platform called HubSpot. Pardon it? So HubSpot is basically a CRM contact relationship management platform.

[00:31:55] Where once you incorporate HubSpot into your business, Jeff has been a lifesaver for me personally and in my business because it manages your appointments. You can set up marketing emails to go out, automated, it's got chat bots, it's got analytics to track, hey, this website is doing this.

[00:32:19] It's been absolutely gold and I highly recommend to small business owners look. If you're not using something like that, a highly encouraging look at HubSpot. And they should be endorsing us. You know, we were throwing endorsement to them.

[00:32:39] So HubSpot if you're listening, you need to get on board, contact the mesh about promotional opportunities. Check check check. Any other recommendations that you have for our listeners who might be in startup mode?

[00:32:59] Be thinking about the end and that's kind of weird but, you know, it's not something that I thought about when I started on point but in listening to a lot of folks now start their business, when I'm going to become really, really successful.

[00:33:17] When they start their business, they have to really face or understand three things. Most people have fear, doubt and uncertainty. Fear, doubt and uncertainty. Use a listener, you're getting ready to start a business.

[00:33:42] What product that you're introducing to the market or what service you're introducing to the market? How can you address your clients' fear of a product or service, doubt regarding it or uncertainty about it?

[00:34:03] How can you use information dissemination to kind of break it down in an easy to understand way? So I would say, when I say, look at the end, where do you want to be?

[00:34:17] Have this goal 10 years out to say, okay, I would like to be here and think big. Think, okay, if I can do this successfully one time. I can repeat this five times. So the word scaling opportunities, because it's really, really important. Okay.

[00:34:42] Well, I also think you mentioned the fact that when you're in a startup mode, you're wearing somebody different hats and trying to, whether it be hub spot or other tools out there to assist you in being more efficient and organized,

[00:34:57] I think that's also good advice as well out there. Absolutely. Last question before I lighten around, I need a new roof. Do I have to wait for a hell storm to get my insurance to pay for it? What do you recommend? If it's not leaking, wait.

[00:35:19] Once the store is leaking, does that one mind insurance kick in? No, no, it had to be storm-related for sure. Big storms are brewing, brother. Big storms are here? Yeah, I can't wait to throw it down.

[00:35:34] All right. Brian, we appreciate you. You're actually a return guest of the entrepreneurial exchange. We appreciate you being back and helping people understand some of the challenges that they face with insurance. As someone that's been in business, started a small business.

[00:35:51] I don't think that insurance is usually the top thing that comes to mind, but it needs to come to mind or else bad things could be out there for you. So anyway, you up for our lightning round today.

[00:36:03] Let's go. All right. Today's lightning round is sponsored not my hub spot, but by prestige worldwide, a global entertainment conglomerate and sponsor of the Canolene-Awan mixer, entertainment, management, research and development security, prestige worldwide has you covered.

[00:36:20] Check them out on the internet. So we're going to ask you some quick questions. Don't overthink it. Give us some quick answers. What is your biggest pet pee of the slow drivers? Very slow drivers. Let me clarify that. Slow drivers, people that don't use their blinkers, they're crazy.

[00:36:39] Thank you. Yeah, I'm with you. What are you doing? I'm doing shopping. Do you put on your pizza? It's high in sausage. That's a good one. I like that one. Okay. How do you feel about pineapple on pizza? Absolutely not. You're right. Beatles rolling stone or Taylor Swift.

[00:37:02] Rolling stones. Favorite Halloween candy? Can I put a cup? It's certainly not candy corn. No, no, no. Keep your candy corn. Go with the peanut butter cups. Favorite Thanksgiving dish? Sweet potato. Casero. That's a good one. Last question for you. Do you have a go-to adult beverage?

[00:37:34] The Muscal Mule. Okay. So a sophisticated palate from Mr. Garrison. Thank you very much. Brian, if people are looking for you, where can they find you? On point. I-N-S-Consulting.com. Okay. So, uh, get out there. You want to learn more about Brian in his business.

[00:38:02] Go out to the onpoint.ionsconsulting.com. That's where you'll find him. You'll find him out there as well. But, Brian, thank you so much. We really appreciate you being on this month's Entrepreneur Exchange.

[00:38:16] We always like to wind up, uh, giving a shout-out to small businesses that we've come across. And you got one Brian that you want to give a shout-out to. One in particular, Zach Cranford. Has done an absolute home run with City Walk Burry. downtown, Hick or here.

[00:38:39] A number of fantastic beers. Um, got a few snacks. Multiple TVs. Gonna nice outdoor area there with cornhole. Um, got a nice indoor area too that they can lower the doors and enjoy the inside too on an act like tonight. But Zach's just done a tremendous job.

[00:39:07] It's a great atmosphere. Um, basically since they open, basically, uh, a month ago, they've been covered up every day. Can I get a Moscow mall? Moscow mall there. You can. Okay. Because out to the side there, they've got a cocktail lounge for adults there. I don't know.

[00:39:30] I prefer the adult cocktail lounge as myself, but that's just me. All right. City Walk Brewing. And I'll, I will be checking that out soon and that's in, in beautiful downtown Hick or North Carolina. So, uh, so small business that I want to give a shout-out to.

[00:39:49] Um, I've been working with a group that focuses on outdoor businesses and through that group.

[00:39:56] I came on, uh, I came across a company called Belly Act, which is a, it's a product that is actually a kayak type product that you sort of lie on and you do paddling. And, uh, they're manufactured here in North Carolina in the Asheville area.

[00:40:16] Uh, if you go to, to Belly Act.com, be llwak.com, you can see some videos of their products. They've got people going into white water as opposed to in a kayak or canoe there on under Belly and Belly's paddling around.

[00:40:36] They do have helmets on in those wrappings and that they have your, if you're, uh, going head first down the wrappings probably good to wear in helmet. They look really cool and just sort of a very unique product, uh,

[00:40:50] a proud one that we should be giving a shout out more in the summertime and not in November when it's starting to cool off a little bit.

[00:40:57] But, uh, you can use them on flat water, you can use them in wrappings and just sort of a cool local product that, uh, I want to give a shout-out to you. So anyway, check them out at www.BellleyACBLLYAK.com.

[00:41:14] And if you have a suggestion for our entrepreneur exchange small business in month, you can email us at eExchangeatthemesh.tv. And we appreciate your suggestions and if we use your suggestion, we'll give you one of our entrepreneur exchange price packs. Brian, thank you for being with us today.

[00:41:33] It is a pleasure to see you and have you on the podcast again. Let's do it. And, uh, as always, thank our friends at the Mesh podcast network. Please go and check out all of the cool shows they have at theMesh.tv.

[00:41:49] So just able, uh, interesting different podcasts that have got out there. So check them out there. We'll look forward to talking with you again next month. Everybody take care. You've been listening to The Mesh and online media network of shows and programs ranging from business to arts,

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