What does it take to turn one of the biggest hidden costs in commercial real estate into your biggest advantage?
In this episode of Common Denominator, I sit down with Jerry Katz, founder of Premier Protection Insurance Services, for a conversation that starts with insurance and expands into scaling, execution, and the future of real estate investing in Florida. Jerry walks us through his path from chasing Wall Street excess, to losing everything in the dot-com crash, to building a captive insurance strategy that's helped him optimize more than $4 billion in commercial real estate portfolios.
We get into why most investors still treat insurance as an unavoidable expense instead of a profit lever, how the Live Local Act is reshaping opportunity for Florida developers, where AI is already changing underwriting, and what really separates founders who scale past seven figures from the ones who stall out.
This is a conversation about execution, hidden leverage, and building wealth that lasts
Timestamp
0:00 Welcome
2:50 Why multifamily and commercial real estate have stabilized
5:11 How Dubai's instability is pulling capital into Miami
6:10 The workforce housing gap in Miami-Dade
7:37 The Live Local Act and the edge it gives Florida developers
11:17 Where AI is already disrupting real estate
13:11 AGI and what happens when AI starts teaching AI
13:51 Self-storage, autonomous vehicles, and the next disrupted asset classes
15:52 Sky ports, flying taxis, and Jerry's insurance origin story
21:58 How the insurance industry really works, and who profits from it
24:42 Why banks own the insurance companies too
25:17 Total Asset Optimization: insuring almost $5 billion in Florida
27:50 What sophisticated investors do differently on insurance
30:08 Jerry's worst business mistake: Wall Street and the dot-com bubble
38:01 Why business is a spiritual journey
39:39 Rapid fire round
43:31 What common denominator really means
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