We explain why the so-called “fully insured” model is neither full nor insured. We talk with Austin Madison of Hub International about baseball, his crazy high GPA, and how he realized that a self-insured model was better for his clients and his business. Then the gloves come off and we take on the knuckleheads, the spreadsheet addicts, the dinosaur insurance brokers who think they’re the smartest ones in the room - bless their hearts.