Parker Hunsaker: Inside the 9/11 Insurance Payout: $4.5 Billion & a Billionaire’s Gamble | DSH #1685

Summary

Digital Social Hour: Parker Hunsaker – Inside the 9/11 Insurance Payout: $4.5 Billion & a Billionaire’s Gamble | DSH #1685

Date: December 14, 2025
Host: Sean Kelly
Guest: Parker Hunsaker, Insurance Expert and Analyst

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Episode Overview

In this wide-ranging and fast-paced episode recorded in Salt Lake City, Sean Kelly sits down with insurance expert Parker Hunsaker for an unfiltered, behind-the-curtain look at the insurance industry—highlighting its quirks, challenges, and some of its biggest controversies. From the everyday realities of personal and business insurance, to bizarre coverage like alien abduction, and culminating in a deep dive into the 9/11 insurance payout conspiracy, nothing is off the table. Parker brings candid insights, real-life stories, and strong opinions, delivering both practical info and unexpected revelations.

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Key Discussion Points & Insights

The Truth About Insurance Rates & Underwriting

• Insurance Scores vs. Credit Scores (00:40–02:20)
  • Most people are unaware of the insurance score, distinct from a credit score, which includes driving records, claims history, bill payment, vehicle types, and more.
  • Insurance rates depend on more than individual behavior—they’re also shaped by external factors like zip code and, controversially, race and ethnicity.
    • Quote:
      Parker: "Insurance is one of the only industries where you can still discriminate based on race. So: ethnicity, zip codes, male or female... But those factors all come into play." (02:58)
• Geography’s Impact – State & City Differences
  • Places like Las Vegas or California are notoriously difficult for insurance due to higher risk factors (theft, wildfires) and stricter regulations.
• Fraud, Lawsuits & Payouts (05:02–06:17)
  • Everyday insurance fraud drives up costs for everyone.
    • Example: Companies will pay out dubious claims just to avoid legal hassle.
      • Quote:
        Parker: "A lot of insurance companies are just paying people off basically just to be, like, done with them." (06:09)
  • Personal injury lawyers in some places are notorious for taking large cuts from payouts.

Wild & Unusual Insurance Policies

• Celebrity and Athlete Coverage (06:47–07:55)
  • Anything critical to a person’s income can be insured: Floyd Mayweather’s hands, a pianist’s fingers, or a podcaster’s voice.
    • Quote:
      Parker: "If you can dream it up, I guarantee you there's probably an insurance policy out there because we're worst case scenario guys." (08:29)
• Alien Abduction & Kidnapping Insurance (08:25–09:42)
  • Coverage exists for the most outlandish scenarios—alien abduction included—as long as an insurance company sees a way to profit on the risk.
  • "Kidnap and ransom" insurance is popular among high-profile CEOs and crypto holders.
• Insuring Property & Crypto (10:06)
  • Even crypto hard drives can be insured as personal property against loss or theft.

Trends in Commercial Insurance & Use of AI

• Business Insurance Nuances (10:23–11:23)
  • Deep-dive analyses and AI tools help businesses know where they over- or underpay, and help Parker’s firm advocate for their clients against big insurers.
  • Parker positions his approach as deeply analytical, leveraging data for competitive coverage.

Legal Risks, Lawsuits & Corporate Insurance

• The Real Cost of Lawsuits (13:01–13:19)
  • A single lawsuit can destroy a business; robust insurance isn’t a luxury but a survival necessity.
    • Quote:
      Sean: "I've seen one lawsuit wipe out a lot of businesses. People can't afford 6, 7 figures in legal fees and then they're, they're screwed." (13:13)
  • Special insurances can cover media defamation, event liability, and even personal indiscretions (like cheating scandals).

The 9/11 World Trade Center Insurance Story

• Larry Silverstein and the $4.5 Billion Payout ([16:02 onwards])
  • Timeline Recap:
    • Silverstein purchased the World Trade Center 6 weeks before 9/11, fully aware of a costly asbestos renovation requirement.
    • Took out a $3.5 billion policy, specifically requesting terrorism coverage (a rarity in the industry).
    • The policy wasn’t fully finalized before 9/11, meaning the insurer was "still on the hook."
    • Silverstein argued for a double payout (two towers = two attacks), seeking $7 billion. Settled at $4.5 billion—a billion over the initial insured sum.
      • Quote:
        Parker: "When you take all that into consideration, I mean, again, I'm a skeptic, but I believe there’s an inside job. 100. There’s no way you can have a guy come in and all these facts just line up." (19:07)
  • Aftermath:
    • Silverstein used funds for the site’s rebuild.
    • The case remains one of the industry’s largest, most controversial payouts—and a magnet for conspiracy theories.
• Conspiracy Angles and Lingering Questions (20:03–21:24)
  • Parker raises standard conspiracy doubts: lack of defense on 9/11, terrorism exclusions in insurance, intelligence/political strangeness around the event.
    • Quote:
      Parker: "Please tell me why the morning of 9/11 we only had two fighter jets ready to go." (20:46)
    • Parker: "Too many coincidences. The chain of command had been completely interrupted." (21:25)

Other Conspiracy Theories and Pop Culture

• Skinwalker Ranch, Flat Earth, Epstein (21:45–23:09)
  • Skinwalker Ranch and extraterrestrial insurance as a hot topic for Parker and the next podcast guest.
  • Skepticism toward flat earth; belief in government misdirection and cover-ups on issues like Epstein.
  • Parker expresses disappointment in unfulfilled government transparency (e.g., Trump’s unkept promises to "release the files").

Local Culture & Economics

• Utah’s Real Estate & Demographics (23:25–24:27)
  • Discussion about Utah’s booming (and changing) real estate market, outside influences from California, and the prevalence of Trump support in the region.
• Personal Anecdotes & Sign Off (24:37–25:38)
  • Lighthearted ending with talk of local culture, fast-food franchises, and a shoutout for how to get in touch with Parker.

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Notable Quotes & Memorable Moments

• On Discrimination in Insurance (02:58):
  "Insurance is one of the only industries where you can still discriminate based on race." – Parker Hunsaker

• On Insurance Fraud & Payouts (06:09):
  "A lot of insurance companies are just paying people off basically just to be, like, done with them." – Parker Hunsaker

• On Insuring Anything (08:29):
  "If you can dream it up, I guarantee you there's probably an insurance policy out there because we're worst case scenario guys." – Parker Hunsaker

• On the 9/11 Insurance Payout (19:07):
  "I believe there's an inside job. 100. There's no way you can have a guy come in and all these facts just line up." – Parker Hunsaker

• On 9/11 Government Response (20:46):
  "Please tell me why the morning of 9/11 we only had two fighter jets ready to go." – Parker Hunsaker

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Essential Timestamps

• 00:40–02:20 – Insurance scoring explained, and the industry’s use of personal data
• 02:58 – Discrimination in insurance pricing and underwriting
• 05:02–06:17 – Insurance fraud story and its consequences
• 07:01–08:25 – Unusual policies: insuring body parts, voices, and more
• 08:29–09:42 – Alien abduction and kidnapping insurance
• 11:23 – Using AI and data to fight for clients in commercial insurance
• 13:01 – How lawsuits can devastate businesses
• 16:02–19:19 – The 9/11/World Trade Center insurance payout and suspicions
• 20:03–21:25 – Parker’s thoughts on 9/11 conspiracies and government cover-ups
• 21:45–23:09 – Broader conspiracy theories: Skinwalker Ranch, Epstein, transparency under Trump
• 24:05–25:19 – Utah culture, real estate, and personal favorites

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Final Thoughts

This episode swings between hard-nosed insurance reality and open-ended conspiracy speculation, all bound by Parker Hunsaker’s sharp, sometimes provocative perspective. For listeners curious about how insurance really works, the money and legalities behind headline-making events, or just what kinds of unusual things people actually insure, this is a can’t-miss, conversation-starter-filled episode.

For questions or business inquiries, Parker can be found on Instagram: @parker_hunsaker or via USI Insurance Services.

[Summary by Digital Social Hour Podcast Summarizer]

Transcript

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[Parker Hunsaker]

Of an insurance score?

[Sean]

I actually didn't know that. Can you access that publicly?

[Parker Hunsaker]

Kind of. There's ways you can, but essentially your insurance score is comprised of your motor vehicle record, your claims history. They also take a look at the vehicles that you're driving, things of that nature, and then also how well you pay your bills. So your credit score does have a factor on it, but the lower your insurance score is, the lower your insurance premiums are foreign.

[Sean]

Okay, guys, digital social hour. We are here in Salt Lake filming for the first time. We got Parker Hunsaker here today, an insurance expert and analyst, someone I met a couple years ago. Thanks for coming on, man.

[Parker Hunsaker]

Yeah, thanks for having me.

[Sean]

How's it been since we last met up?

[Parker Hunsaker]

Oh, it's been good, man. Just taking things day by day. I mean, the insurance industry just gets crazier and crazier as time goes. And I know a lot of people's pockets are feeling it.

[Sean]

Yeah, yeah. See a lot of negative headlines in the media about the insurance agency, but your insurance industry, but you're dealing with it firsthand. So what do you see from inside?

[Parker Hunsaker]

Well, yeah, so a couple years ago, I actually made a transition from doing, like, more personalized insurance to more business commercial. There's a lot more money to be made in commercial, but there is a saying that goes around that stands true. More money, more problems. So from a personal side, I mean, a lot of people have just been frustrated with the rates that they're experiencing year after year. And it's frustrating because a lot of their agents can't actually explain to them why rates are increasing and going up. So there's a couple different factors and things that can actually have a cause and effect. A lot of people don't know that you actually have an insurance score, which is actually separate from your credit score. So, like, let me ask you, Sean, have you. Were you ever aware of an insurance score?

[Sean]

I actually didn't know that. Can you access that publicly?

[Parker Hunsaker]

Kind of. There's ways you can. But essentially your insurance score is comprised of your, your motor vehicle record, your claims history. They also take a look at the vehicles that you're driving, things of that nature, and then also how well you pay your bills. So your credit score does have a factor on it, but the lower your insurance score is, the lower your insurance premiums are. Interesting, but a lot of people don't have that.

[Sean]

Yeah, I didn't know that. So if two people apply for the same insurance policy but one guy's insurance score is way lower, would that mean it's more expensive?

[Parker Hunsaker]

Well, if it's lower, that means it's less premium. So if it's a. Or excuse me, Excuse me. You're correct. A higher, a higher score would entail that your premiums are lower.

[Sean]

Okay. Yeah. Wow, I did not know that. I thought everyone paid the same insurance rates.

[Parker Hunsaker]

No, a lot of it's based on zip code too. So for example, Vegas, really hard place to get insurance because there's a lot more break ins, a lot more theft, those types of things. And so your zip code does play a factor. The other things that play a factor is insurance is one of the only industries where you can still discriminate based on race. So ethnicity, zip codes, male or female. Right. Most other industries, they're like, oh, you know, everyone gets the same treatment regardless. But those factors all come into play.

[Sean]

Wow. So you can still discriminate by race in the insurance industry.

[Parker Hunsaker]

Essentially.

[Sean]

How does that work?

[Parker Hunsaker]

So it's crazy to think about, but. And you know, statistically speaking, you know, again, statistically speaking, African American males will technic typically be in those zip codes that are a little bit more, a little bit more, I guess, dangerous. So if I'm writing an insurance policy from an insurance perspective, I'm putting a financial risk out there. If I'm taking a look at writing and policy in New Orleans.

[Sean]

Right.

[Parker Hunsaker]

Lots of gang banging, lots of stuff going on down there. I'm probably not going to be as inclined to put my money in New Orleans versus somewhere like Provo, Utah.

[Sean]

Right, got it. That makes sense. Yeah. Certain states are more strict. I know Cali is really tough to get. I think car insurance and fire insurance right now.

[Parker Hunsaker]

Yep, 100%.

[Sean]

Your house.

[Parker Hunsaker]

Yeah. Well, wildfire insurance is one of those big things. And a lot of times what people don't realize is a lot of people are getting declination letters, especially in California. Oh, we're actually going to no longer write your home insurance because you've got, you know, a fire score. And people are like, okay, well, what the hell is a fire score? A fire score is essentially what they'll, what they'll do is they'll take a certain geographical area, they'll make a giant circle from a, you know, financial expert will come in, they'll take a look at it, and they'll say, okay, based on the zip code, it's a high fire risk area. So, for example, like Malibu. Right. Big financial, kind of like a risky spot for insurance experts to come in and want to put money in. Malibu, because there's a lot of, a lot of brush. Right. A lot of wildfire areas. So what they'll do is they'll take that and they'll say, okay, this is a, this is a wildfire zone. They'll target it that way. And now they will decline pretty much anything within that zip code. And so it makes it very difficult if you live in a certain spot geographically to get insurance.

[Sean]

Wow. So plus, on top of that, you got a lot of people committing insurance fraud.

[Parker Hunsaker]

100%.

[Sean]

So that's raising the rates for everyone.

[Parker Hunsaker]

Yeah. I mean, so from an insurance fraud perspective, I've seen it happen more on the auto side, per se.

[Sean]

Yeah.

[Parker Hunsaker]

But for example, like, I have a, a close family friend of mine who actually was in a parking lot, right. She hits this old lady, or so. So the claim goes, right? Claims that the old lady was hit. They get out of the vehicle, assess the, the situation. Turns out the lady had actually just hit her side view mirror and wasn't actually hit. So no physical damage had actually ensued. But the, the, the lady had claimed that she had been hit. So what ended up happening was the insurance company's like, okay, well what's going on with the situation? The lady just wanted an insurance payout, so she was never hit. All she did was hit the mirror, fall over, give her an Oscar. You know, she acted like she had broken her leg, the worst had happened.

[Sean]

Right.

[Parker Hunsaker]

And so after the insurance company did all the analysis, what they ended up doing is they actually ended up just paying out the hundred thousand because they were just like, I don't want to deal with her anymore. Wow. So they said, bas, because I don't want to deal with her. And like, take this up any further, we'll just pay her off. So a lot of insurance companies are just paying people off basically just to be, like, done with them.

[Sean]

Wow. Just because you said you got hurt.

[Parker Hunsaker]

Right. But what does that mean for guys like you and me who are actually following the rules of insurance? Well, that means we're paying for all the insurance fraud.

[Sean]

That is nuts. I mean, I know there's a lot of money in it, because in Vegas, I see injury billboards everywhere I go. Yeah, well.

[Parker Hunsaker]

And that's how those guys make their money.

[Sean]

Yeah. They got like 30% of the payout. Right.

[Parker Hunsaker]

I don't know the exact percent.

[Sean]

Depends on the lawyer, but.

[Parker Hunsaker]

Right, but I mean, some of them can be greedy. Right. So. But yeah, that's exactly right.

[Sean]

Holy crap. Yeah. I'm sure people have tried elaborate insurance fraud schemes in the past. I mean, when there's millions of dollars to be made and very few face severe penalties.

[Parker Hunsaker]

Yeah.

[Sean]

I could see from their point of view, you know.

[Parker Hunsaker]

Yeah. Well, I mean, there's insurance fraud and scandals that happen all around you, and you never know.

[Sean]

Yeah. But crazy things that have been insured. I know. I think. Was it Floyd or Manny Pacquiao that insured their hands?

[Parker Hunsaker]

Yeah, some. A lot of boxers will do that.

[Sean]

Right.

[Parker Hunsaker]

So you've got celebrities and athletes that will actually earn, like musicians a lot of times.

[Sean]

Right, right.

[Parker Hunsaker]

If you got a professional piano player, they'll actually insure their fingers.

[Sean]

Wow.

[Parker Hunsaker]

If something happens to it, I mean, that's their livelihood. So in insurance, we've got this thing called business expense or business interruption insurance. Anything that essentially could cause a loss to your line of work is something that could actually be covered. So let's say, Sean, you're. You're a piano player, you're a musician, something happens to your fingers, they get smashed in a door, and now you can't perform your line of work. Or even a surgeon or a doctor. Right. Those types of things are things you can insure against to make sure that you're getting paid. Even though. Because you can't do your line of work without your hands. Right.

[Sean]

So I wonder, for me, can you ensure Your voice?

[Parker Hunsaker]

Yeah, 100%. Really?

[Sean]

Oh, yeah. If I lost my voice, I could have podcast.

[Parker Hunsaker]

Yeah, you could. You can insure against that. And there's policies I could even help set up for you to where we could do that.

[Sean]

That's not.

[Parker Hunsaker]

So if you were on the road and you couldn't podcast for a while because your voice was bad, but you. You know, that's a. That's a source of income. We could actually insure it for those amounts.

[Sean]

Yeah. Because my buddy has Shout out to Tiffany. She has, like, this throat cancer and she's a content creator. Y. Yeah. So if she had insurance beforehand, it might have helped a lot because she could barely Talk right now.

[Parker Hunsaker]

100% I mean, you've got people like, I'm just assuming, right. People like Adele or, you know, people that, you know, make livings off their voices. If something were to happen to their voice and let's say they can't go on tour or concert, they still got to get paid because they've invested all this time and money into putting on an event or venue. Right. They got to pay for all that.

[Sean]

Yeah.

[Parker Hunsaker]

So that's essentially something that I would kick in for.

[Sean]

Do you ever do any of the wild insurance policies like alien abduction insurance or stuff like that?

[Parker Hunsaker]

You know, I haven't run into that just yet, but it is a thing. I mean, and this is just totally from my perspective, right. You can get insurance on just about anything, Right. If you can dream it up, I guarantee you there's probably an insurance policy out there because we're worst case scenario guys. So. And insurance companies are never going to say no to free money. So alien abduction, obviously you're going to have the guys that are the bigfoot fanatics or the people that have all these crazy conspiracies. I mean, you could probably get insurance on Bigfoot too. Who knows? But um. But yeah, I mean, you could essentially just write that up for, hey, if I ever get abducted.

[Sean]

Right.

[Parker Hunsaker]

By aliens, I want an insurance payout.

[Sean]

Yeah.

[Parker Hunsaker]

So there are things like that that do exist.

[Sean]

That's wild. I mean, kidnapping insurance, that makes sense to me if you're a high profile figure.

[Parker Hunsaker]

Yeah.

[Sean]

Or if you have a lot of government secrets or something.

[Parker Hunsaker]

Yeah. I mean, it happens, Right. Like I, I can't think of a specific scenario where, where it's been enforced, but essentially if you're a high ranking CEO and let's say you do get kidnapped and you're on sabbatical, you know, against your will for a company, but now your company can't function.

[Sean]

Right.

[Parker Hunsaker]

I mean there's, there is a ransom insurance that will pay out. So basically you have the feds or whoever come in and say, okay, you know, here's the insurance money that we're dealing with. He is covered for kidnap and ransom. How much do we need to get. Get. Give his captors per se to get him out and just get him released?

[Sean]

I think anyone big in crypto should.

[Parker Hunsaker]

Get that one, being a crypto, because.

[Sean]

A lot of crypto guys are targets for kidnapping. I don't know if you knew that or not.

[Parker Hunsaker]

I didn't actually give you an example.

[Sean]

So because they have a lot of crypto, the government's kind of, I mean, depends on how they store it, I guess. But a lot of the big guys in crypto stored on like these hard wallets, like in a safe or something. And they're not like the strongest people. They're like crypto nerds. So, like, they're easy targets for these kidnappings and robberies.

[Parker Hunsaker]

Yeah, I mean, stuff like that. I mean, and you could probably even take it to the extent of, you know, what happens to that hard drive. Right. You could probably insure that hard drive for amount of money.

[Sean]

That's.

[Parker Hunsaker]

That's personal property.

[Sean]

Right.

[Parker Hunsaker]

So like I said, you can get insurance on anything.

[Sean]

Yeah.

[Parker Hunsaker]

Like literally anything.

[Sean]

How have your insurance claims went in the past? Like, have you ever filed one yourself?

[Parker Hunsaker]

I mean, I've helped clients file a few. There have been a few cases where, you know, a lot of times what I run into are clients coming to me basically saying, hey, I had a bad experience with my. My previous broker agent. I thought this and this was covered. It turns out it wasn't. So one thing that I do a little bit differently is I offer businesses, especially I let the. I do like a deep dive analysis.

[Sean]

Yeah.

[Parker Hunsaker]

So I've got access to AI systems and data software that essentially lets me take a look at any specific business and say, okay, based on the analytics and the proprietary data that we're seeing, this is how. Let's just say an H Vac company, for example, this is how an H Vac company would compare against all the other H Vac companies, you know, in the United States. And so what we do is we say, okay, based on how an H Vac company should be rated. This is the amount of premium you should be paying. So what it does is it allows us to not only fight against insurance companies with, you know, hey, this, based on our data, this is how much they should be paying. But it also lets us stay competitive in terms of like safety programs or other. Other things so that we can actually mitigate or avoid claims.

[Sean]

I feel that these days I get the best insurance no matter what I'm doing. Yeah. Just I want to be able to sleep at night. So I have the best business insurance. I have even media insurance.

[Parker Hunsaker]

There you go.

[Sean]

In case a guest says something on my show and I get sued. I have home insurance, the best car insurance, but when I was younger, I didn't have any or I had the cheapest policy.

[Parker Hunsaker]

Yeah.

[Sean]

And that's probably common with people.

[Parker Hunsaker]

Very common. I think the first auto policy that I got was $415 a month, and it was for state minimum liability.

[Sean]

Yes.

[Parker Hunsaker]

Back Then I had no idea what, what wasn't included on that, what it didn't covered. But to your point, man, like I just, you know, not even from a bias standpoint.

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[Parker Hunsaker]

If you've got, if you're a high profile person, if you've got a high profile business, you need to look at all your bases because something could happen and again, I'm a worst case scenario guy, but something could happen that you're not prepared for and all of a sudden it's, I mean, it's game over.

[Sean]

I've seen one lawsuit wipe out a lot of businesses. Yeah. You know, people can't afford 6, 7 figures in legal fees and then they're, they're screwed.

[Parker Hunsaker]

Yeah, 100%. And that's the biggest thing that you're covering against. Right. I mean you have a, you have a allegation that comes out. Right. I don't know if you saw the astronomer CEO, right?

[Sean]

Oh yeah, he's doing them now.

[Parker Hunsaker]

Right, Exactly. Right. Stuff like that, like people don't think about that stuff. Right. If you get exposed for cheating on your wife, per se, who would have.

[Sean]

Thought that'd be the end of a career?

[Parker Hunsaker]

Yeah. But I mean, you can get insurance on stuff like that. So there's a. Yeah, there's a chance that he probably has something that, you know, or, you know, Coldplay hopefully has something in place that's like, okay, we, we should be able to insure again.

[Sean]

I'd imagine they have the best Insurance, Right.

[Parker Hunsaker]

Yeah.

[Sean]

When you're doing big live events, that's a lot of liability.

[Parker Hunsaker]

Yeah. But again, though, to his point, I mean, it's also negligence on the fact of the. The CEO's point, because, I mean, he got caught cheating. So it's like they're going to take that to court and they're going to be like, wearing the options and being like, all right, who's really at fault here?

[Sean]

Yeah.

[Parker Hunsaker]

You know, he was caught cheating. Wasn't necessarily the most ethical thing. Not necessarily. But did it hurt his business? I think he stepped down. I can't remember.

[Sean]

Yeah, he did. Or he got fired or something. Yeah. Yeah. That's interesting. I wonder with marriage, if you be caught cheating, if there's insurance or something for that, you know, I don't know.

[Parker Hunsaker]

It wouldn't surprise me if it's out there.

[Sean]

I'd have to look. Insurance. Cheating.

[Parker Hunsaker]

Yeah. Cheaters insurance.

[Sean]

So I know with certain prenups, if you cheat, you're. You still got to pay out. Yeah.

[Parker Hunsaker]

Well, I mean, and you take that to a court and courts are going to analyze all those, all those documents. Right. They're going to look at it line by line, make sure that everything's, you know.

[Sean]

Yeah. Bezos.

[Parker Hunsaker]

Yeah.

[Sean]

Yeah.

[Parker Hunsaker]

What happened in Bezos situation?

[Sean]

He had a prenup, but he cheated. So the, the. I don't know her name, but she got the money. So.

[Parker Hunsaker]

Yeah.

[Sean]

She's like the fourth richest person in the world now, man.

[Parker Hunsaker]

Must be nice.

[Sean]

Yeah. There's also taste bud insurance. So how does that work? Is that for people that make a living off eating food?

[Parker Hunsaker]

Well, you've had some chefs on your show before. I mean, so think about it as food critics. Chefs, you're going to want to have your taste buds insured. I mean, that's, again, your livelihood and your job. A lot of these things are going to be for the ability to do your job at the fullest potential. And so if. If you burn your taste buds or if you essentially have something that happens to your tongue, I mean, that's stuff that you can get insurance on.

[Sean]

I had the lawyer on. His name's Tom Bosworth. He represented a client that burned her mouth off hot coffee.

[Parker Hunsaker]

I think it was.

[Sean]

I don't want to get it wrong, but it was one of the fast food chains.

[Parker Hunsaker]

Yeah.

[Sean]

Huge payout.

[Parker Hunsaker]

Yeah.

[Sean]

For. For coffee.

[Parker Hunsaker]

It may have been McDonald's. I know.

[Sean]

It might have been McDonald's.

[Parker Hunsaker]

It might have been that because I did. Or Maybe it wasn't McDonald's, because they did have Somebody like actually spill hot coffee and third degree burns. But regardless, like franchises like that, like let's say you've got a Starbucks that absolutely burns the shit out of someone's mouth. Right. And let's say they're a high profile individual. Right. Or burns the back of their vocal cords.

[Sean]

Right.

[Parker Hunsaker]

So now you've got these franchises who are getting sued for something like that. Not only do they got to pay out all of their, you know, vocal losses, but all of the damage that was caused. Right. Damn.

[Sean]

That's not all from coffee. $5 cup of coffee.

[Parker Hunsaker]

Never would guess.

[Sean]

Yeah, that's crazy. Let's get into this 911 conspiracy because I know you got wrote down some numbers and stuff for this but. Yeah, what exactly happened in your opinion for 911 and the insurance companies?

[Parker Hunsaker]

Yeah, well, so 911 is one of those things. If you take a look at it, I mean I'll just come out publicly and say I, I think it was an inside job, you know, if, and if I, if I die, just know that I would never, I would never kill myself. Just know that. So but essentially if you look at the story, Larry Silverstein, he's a billionaire that essentially an investor, right? He purchased the World Trade center six weeks before anything had happened, you know, before 9 11. So six weeks before 911 you have a gentleman named Larry Silverstein coming in and purchasing it. Now at that point in time, the building was required by the city to go under major renovation for asbestos. So they wouldn't essentially allow any more people inside working until the asbestos had been fully removed. Which meant that it was very undesirable to investors because they had to undergo a renovation project that could cost quite.

[Sean]

A bit of money.

[Parker Hunsaker]

So he comes in and buys it, he says, I'll take on the asbestos liability, I'll take care of the renovation. Six week, six weeks before 911 when he did that, make sure I get my numbers right. He took out a 3.5 billion million policy that covered against the buildings.

[Sean]

Right.

[Parker Hunsaker]

So if something happened that that coverage was there. Here's the thing, most of the time terrorism is excluded on policies. That's just a standard in the insurance industry because the chances of that happening is very slim. Now when you're dealing with business owners and high execs, oftentimes they ask to have that on. In this case he specifically came out and said I would like this to have terrorism coverage. So think about that for a second. You've got this billionaire coming in, buying it for a renovation and now he says Okay. I want to have specifically terrorism coverage included on my policy, which, again, isn't a very common, common endorsement that we would see on a policy. So he comes in, all of that happens. The policy hadn't been finalized by the time 911 hit, which meant usually in insurance contracts, there's a little bit of a waiting period until things are finalized, especially when you're dealing with big, big CEOs and companies like that. So essentially what will happen is they, they, they'll bind coverage for a lot higher amount, but it doesn't kick in until a certain, certain time after. In this case, it hadn't quite been finalized, but they're still on the hook for that big amount regardless of what happens until the finalization date. So because 91111 happened, they're still on the hook for that big amount. So 911 happens. And then what Silverstein tried to do is he tried to take it a step further. He tried to say, well, there was two towers, so they should have been two separate attacks, which means I'm entitled to $7 billion.

[Sean]

Whoa.

[Parker Hunsaker]

And so now you've got the insurance company being like, dude, you're crazy. Like, this is something that would never, you know, we're never going to be paying out $7 billion for. And luckily, they had policy language inside of the policy that protected him, saying it's, it's against one specific attack. So because it was a overarching, one single attack, it was actually covered that way. And so I think the court settled for, if I get my numbers correct, they settled for 4.5 billion. So still a billion dollars over what he had actually gotten insured against.

[Sean]

Wow.

[Parker Hunsaker]

So when you take all that into consideration, I mean, again, I'm, I'm, I'm a skeptic, but I believe there's an inside job. 100. There's no way you can have a guy come in and all these facts just line up.

[Sean]

Yeah. So he actually made money.

[Parker Hunsaker]

Yeah.

[Sean]

Off the collapse of the towers.

[Parker Hunsaker]

100. And I can't remember exactly what he had spent, you know, to purchase the building. But because, you know, the asbestos renovation was going on, the value of it had been much lower.

[Sean]

Right. Holy crap. And then they ended up rebuilding them. Was he part of that rebuild or.

[Parker Hunsaker]

He was part of the rebuild. He used that money to essentially rebuild. And, you know.

[Sean]

Yeah. I was just filming there last week. It was beautiful.

[Parker Hunsaker]

I was.

[Sean]

But I saw the memorial. I was like, holy crap. I can't believe that.

[Parker Hunsaker]

Yeah.

[Sean]

That fell.

[Parker Hunsaker]

Well, it makes you kind of wonder a little bit. Like how, you know, how, how what are the extent that the government would go to, you know, to essentially make a buck.

[Sean]

I mean look at what stemmed from 9 11, all the wars that happened, all the changes that were made to multiple industries. Yeah. Like TSA still up our ass 25 years later. Can't bring this water bottle or I get yelled at.

[Parker Hunsaker]

Yeah, 100. I mean the security, you know, goes into that. I mean there's, I could get into 911 if you wanted me to. There's so many, there's so many other things that happen there that you know that I think are, are just beyond me.

[Sean]

But you think they'll release the 911 files ever?

[Parker Hunsaker]

I hope so. I mean when, when you look at it from a military perspective, the one question I've got is why did we have you know, flight training going on on the West Coast? Why, why was our entire military move west the day of 9 11?

[Sean]

I never heard that angle. That's interesting.

[Parker Hunsaker]

Yeah, that. I mean if you go back and look at it, there were two fighter jets that were essentially left to protect Washington D.C. wow.

[Sean]

That's it.

[Parker Hunsaker]

And that was it. On the morning of 911 that was all that had happened.

[Sean]

Now I feel like there's way more right on the east coast.

[Parker Hunsaker]

There's so much that you can uncover. Yeah, but exactly. I mean and let me ask you, if you're the President of the United States, what's the one area that you'd want to cover?

[Sean]

New York City I'd imagine is up.

[Parker Hunsaker]

And D.C. new York City and D.C. and please tell me why the morning of 911 we only had two fire jets ready to go.

[Sean]

That is weird. And with our like intelligence agencies to not see that attack coming at all also blows my mind.

[Parker Hunsaker]

Well here's the, here's the crazy thing about the intelligency intelligent Intelligence Agency side. Every single one of the ranking officers. I don't know if you're familiar with the military but you've actually got to go through a chain of command in order to, to get anything to happen. Essentially all those intelligence intelligence agency officers had been absent the morning of 9 11. They were either on vacation or they were somewhere else. You know, totally just unaware to the government. So they tell us.

[Sean]

Holy crap.

[Parker Hunsaker]

So the chain. Yeah, too many coincidences. So the chain of command had been completely interrupted.

[Sean]

That is nuts. I didn't know that either. And Bush was nowhere to be found.

[Parker Hunsaker]

I can't remember where Bush was. I'm warning of. But I just remember that he came out with a press conference, interview afterwards and, you know, that was about it.

[Sean]

What other conspiracies do you feel really strongly about?

[Parker Hunsaker]

I mean, there's a couple. I know you got Brandon coming on later today. Skinwalker, Skinwalker Ranch. I think that, that the phenomena that's going on.

[Sean]

Right.

[Parker Hunsaker]

I mean, there's things that we can't explain. So from a conspiracy standpoint, I. I'm really fascinated in space. Really fascinating with astronomy. I think there's a lot of extraterrestrial life that's out there that is yet to be discovered. So who knows? I might be making more money on alien abduction insurance here soon.

[Sean]

I know, but I mean, if aliens make their presence, I'm sure that insurance will be pretty popular.

[Parker Hunsaker]

Yeah. Call my line if that ever happens.

[Sean]

So what about the flat earth one?

[Parker Hunsaker]

I don't know. I feel like with AI nowadays, anything's possible.

[Sean]

Yeah.

[Parker Hunsaker]

So that, that's one where it's like, okay, you know, we've all seen the AI videos of flat earth.

[Sean]

Right.

[Parker Hunsaker]

As far as from an insurance perspective, I don't know if you can really insure against that. That might be something that's like. I don't know.

[Sean]

Yeah, I don't know about that one. I've had a lot of flat Earthers on the show.

[Parker Hunsaker]

Have you?

[Sean]

I'm trying to think which one I'm like most convinced about. I mean, the Epstein stuff is pretty nuts. Have you had to. If they're an agent or something. Right?

[Parker Hunsaker]

An agent, yeah. Meaning what?

[Sean]

Like a foreign agent? Like there's no way he had all that power and access. Not working with some sort of government, I'd imagine.

[Parker Hunsaker]

I mean, it's possible because when you look at his upbringing, I mean, it's like he had a very non. Non standard way of like rising power.

[Sean]

He was super tapped in with Harvard. Yeah. He had his own building there.

[Parker Hunsaker]

Yeah. Like, I think a lot of his money just came from his network and who he knew. Yeah, right.

[Sean]

Yeah, we'll see how. I don't know if we'll ever know what happened with that, to be honest.

[Parker Hunsaker]

I mean, Trump said he's going to release files. I'm yet to believe it. And don't get me wrong, like, I voted for Trump. Yeah. But I think he is losing a lot of voters for sure. You know, I, he, he still has my vote, he still has my full support. But I really wish that he would release some more things to the public as he promised.

[Sean]

Did he win Utah? Is he popular out here?

[Parker Hunsaker]

He's pretty popular. I would say probably 80 to 90% of the people you're out to there, arguably Mormons love Trump. They love Trump, man. They, they, absolutely. They're Team Trump. I mean, we're, we're seeing a little bit more of a diversity pool now that we've got California being so expensive as it is. We're seeing a lot of influx of.

[Sean]

California is coming into Utah, Vegas is getting on to.

[Parker Hunsaker]

Yeah. So I mean, we're seeing, we're seeing the downside of that. I mean, I could go on a whole nother tangent about California, but the biggest thing here is our real estate prices are just through the roof. I mean, people are starting to. We're turning into California.

[Sean]

Yeah. People are going to get priced out. It's going to be no longer locals that live here. Yeah, it's going to be all like people that come in from Cali and other states.

[Parker Hunsaker]

Yeah, a lot of foreigners.

[Sean]

So you think you'll stay here?

[Parker Hunsaker]

I think I'll be here. I mean, I've lived here pretty much my whole life. It's a great atmosphere. As long as you can get along with the Mormons. You know, there's, there's nothing really. I mean, Post Malone's out here, you know, he's still out here. He's still out here. Mormon? I don't know. I doubt it. But you know, he's built a house up in Cotwood Heights. Last I heard, he actually had a raising cane's that you know, was in Murray like off Fort Union.

[Sean]

Cane's blowing up.

[Parker Hunsaker]

Yeah.

[Sean]

Shout out to Todd. He's coming on the show. But Cane's is I think the fastest growing fast food in, in the world right now.

[Parker Hunsaker]

Yeah, it's a, I mean, it's a good spot, man. So go get your chicken.

[Sean]

Yeah, go get it, man. You still play that hook game? You're a beast at that one.

[Parker Hunsaker]

The hook game. Yeah, I try to be. No, actually, I honestly, that was the first time we ever played. No, like dead serious. Every time. I was just like, this is fun.

[Sean]

So you're just an athlete. I guess you'll see on the basketball court tonight.

[Parker Hunsaker]

Yeah, dude, we'll do it.

[Sean]

Well, dude, anything. Where can people work with you, get insurance from you or get ask you questions and all that?

[Parker Hunsaker]

Yeah, I mean they can send me a DM on Instagram. Parker Underscore, Hunsaker is my, my tag there. Just for a little bit about the company that I'm with. We're, I'm with USI Insurance Services. We're the second largest privately held brokerage in the entire country. We do about $2.5 billion in revenue every single. Every single year. So we insure a lot of big companies, a lot of big corporations. That's kind of what our market is, kind of who we're after. But we do have some small personal touches with certain. Certain smaller businesses. So that's where people can find me. I'm sure you could probably just leave.

[Sean]

Yeah. We'll link it in the video, and then we'll link your Instagram. Thanks for coming on, man.

[Parker Hunsaker]

Appreciate it. Thanks for your time. Shout.

[Sean]

Check them out, guys. See you next time.

[Podcast Host]

Peace. I hope you guys are enjoying the show. Please don't forget to like and subscribe.

[Sean]

It helps the show a lot with the algorithm. Thank you.