#43 Insurance as a Smart Building ROI Lever!

Insurance costs are climbing. Coverage is shrinking. And most building owners are still treating it like taxes, something you just pay. But what if the technology investments you're already considering could directly reduce your premiums, unlock access to captive insurance programs, or simply keep your coverage intact in markets where insurers are pulling out? In this episode of Sh*t You Wish Your Building Did, we sat down with Jay Scholten, Principal Consultant at JRS Innovative Real Estate LLC (Former VP - Asset Management Product Owner at PGIM Real Estate), and Rob Murchison, CEO of Intelligent Buildings, LLC, to explore an angle on smart building ROI that most operators are missing entirely. What we discussed: ✅ Why insurance stopped being a "set it and forget it" line item. ✅ How insurers are quietly thinning coverage in ways you might not notice. ✅ The rise of captive insurance programs, and what your buildings need to qualify. ✅ Real examples of technology reducing premiums and maintaining coverage access. ✅ The 3 steps an owner can take starting tomorrow.