In this episode of Carolina Business Leaders, we sit down with Chris Hayes, President and Owner of Kane Hayes Insurance, to discuss how business owners and families can better protect themselves in an increasingly complex risk environment.

Chris shares his journey from the University of South Carolina's Darla Moore School of Business to building one of the Upstate's leading independent insurance agencies. We explore the advantages of working with an independent insurance advisor, common coverage gaps that many business owners overlook, and how local relationships help clients make better decisions when it matters most.

We also dive into some of today's fastest-growing risks, including cyber threats, wire fraud scams in real estate transactions, rising insurance costs, umbrella policies, and strategies for protecting both personal and business assets.

Whether you're a business owner, homeowner, entrepreneur, or simply looking to better understand your insurance coverage, this conversation is packed with practical advice and valuable insights.