VIU is HUB's digital brokerage, leading digitally and offering the team of sales and service professionals is what we do. Insurance is complex, so it's our job to listen, to probe, to digest and to simplify it and find the value that is best for that individual consumer.

Think of VIU from two different lenses, both end customer as well as a strategic partner. The common denominator is that we're a superhero for both entities and especially for that end consumer. If you're a retail customer, you're going to be able to take full advantage of all the attributes that the number one personal lines broker in North America brings.

For our partners, VIU is a component to add to your existing customer experience that immediately adds value. In essence, we are an extension of our partner's brand, and in that way it is absolutely critical that their client feel special, feel recognized, and feel like they are highly valued and that they're getting the best expertise from HUB and ultimately VIU.

VIU might be our first name, but it's important to realize that our last name is HUB. As the largest personalized broker in America, we have relationships with insurance companies that others just don't have.

Having been around more than 25 years, billions of dollars in personal lines premium and relationships with carriers. That's one of the things that really kind of sets us apart.

Digitization is now ubiquitous within our lives. The way that consumers are now interacting with brands and desiring really seamless and effortless experiences applies to us as well. When you look at VIU, you could see that fingerprint across the customer life cycle.

We're not trying to build something better. We're trying to build something that people don't have. The ability to create win-wins where we win, the strategic partner wins, but the end consumer wins at the same time. That's what excites me about this.

Quote, purchase and then renew 25 plus carriers with one relationship, one seamless and really elegant solution, when it comes to digital, plus live agent. VIU offers all of those capabilities in a really seamless manner.