MJ Insight

Explore MJ Insight, where we cover trending topics, provide industry insights, and keep you up-to-date on the latest compliance regulations.

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Retirement
Retirement

Making it Easy Could Lead to Poor Outcomes

PUBLISHED September 9th, 2026
Doug Prince

Making things easier is usually a good thing: easier enrollment, easier reporting, easier access to benefits. But when it comes to retirement plans, sometimes making a process too easy can create unintended consequences.  Can a process become so easy that it actually works against (…)

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Risk Management
Group of professionals collaborating at a conference table with documents, tablets, and pens, discussing business strategies in a modern office environment.
PUBLISHED February 17th, 2026

The Hard Market Is Shifting—Here’s What That Means for YOU

Adam Adler

For years, organizations have been told the same thing at renewal: higher costs, fewer options, and little room to negotiate. Now, that message is …

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Risk Management
Yellow hard hat covered in snow, resting on a metal beam, symbolizing winter safety in construction environments.
PUBLISHED January 29th, 2026

Fatigue Risks in Cold Conditions

The MJ Companies

Cold weather does more than make working conditions uncomfortable; it can also lead to fatigue and reduced alertness and responsiveness in employees, increasing the …

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Risk Management
Construction workers in safety vests and helmets observing scaffolding at a building site during sunset.
PUBLISHED December 16th, 2025

OSHA Announces Top 10 Violations for 2025

The MJ Companies

OSHA recently revealed its top 10 most frequently cited standards in the 2025 fiscal year using preliminary data. This information is valuable for businesses …

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Risk Management
Snow-covered tree branches create a serene winter landscape, showcasing a thick layer of snow on the twigs and limbs against a bright, white backdrop.
PUBLISHED December 2nd, 2025

Employer Responsibilities in Winter Weather

The MJ Companies

Winter weather presents a host of difficulties for employers. Specifically, there are various workplace safety concerns and OSHA requirements to consider. It’s essential to …

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Risk Management
Stock market chart displaying upward trends with candlestick patterns and moving averages in a dark background, illustrating financial growth and analysis.
PUBLISHED November 18th, 2025

STRONG SIGNS OF MODERATION WERE EVIDENT IN Q3 2025, THE COUNCIL’S P/C MARKET SURVEY SHOWS

The MJ Companies

Q3 2025 showed clear soft market conditions across the board. Premiums across all account sizes rose by an average of 1.6%, down from 3.7% …

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Risk Management
Business professional calculating finances with a calculator, surrounded by financial documents and a pen on a wooden desk.
PUBLISHED November 4th, 2025

E&S Market Soars As Industry Seeks Creative Coverage Options

The MJ Companies

The U.S. excess and surplus lines market continues to notch solid growth, rising 12.3% to $130 billion in direct written premium in 2024 after …

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Risk Management
Abstract digital background featuring a circuit board design with hexagonal patterns and padlock icons, symbolizing cybersecurity and data protection.
PUBLISHED October 30th, 2025

The Clock is Ticking: Who are you Calling When Hackers Get Access?

Carol Scully

October is Cybersecurity Awareness Month and, although I’m glad it exists, a month’s focus on cybersecurity is hardly enough for an issue that can …

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Risk Management
Close-up view of three stacked laptops showcasing their ports, including USB-C, HDMI, and USB-A, on a cardboard background, illustrating modern laptop connectivity options.
PUBLISHED October 21st, 2025

Bricking Coverage in Cyber Insurance

The MJ Companies

Bricking is a type of cyberattack that renders a device unusable, effectively making it a “brick.” It targets hardware—disabling computers, tablets, hard drives, phones …

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Risk Management
Wooden gavel resting on a pile of hundred-dollar bills, symbolizing legal proceedings and financial matters.
PUBLISHED September 23rd, 2025

THE RISING RISK OF NUCLEAR VERDICTS IN MANAGEMENT LIABILITY LITIGATION

The MJ Companies

Nuclear verdicts, which refer to exceptionally high jury awards, have become increasingly common. Several factors have contributed to this trend, including a shifting litigation …

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Risk Management
Abstract digital circuit board with security padlock icons, symbolizing cybersecurity and data protection.
PUBLISHED September 16th, 2025

U.S. Average Breach Cost Hits Record High of $10.22 Million

The MJ Companies

The average cost of a data breach in the U.S. soared to an all-time high of $10.22 million, even as the global average cost …

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Risk Management
Financial market analysis chart displaying candlestick patterns, trend lines, and indicators on a dark background, illustrating price movements and trading strategies.
PUBLISHED August 18th, 2025

Most Lines of Business Softened in Q2 2025, The Council’s P+C Market Survey Shows

The MJ Companies

Softened market conditions were again evident this quarter. Premiums across all account sizes rose by an average of 3.7%, down from 4.2% in Q1 …

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Risk Management
Two construction workers wearing bright yellow safety vests hold blue hard hats while standing in a warehouse aisle, emphasizing workplace safety and preparedness.
PUBLISHED August 12th, 2025

Five Strategies for Reducing Workers’ Compensation Costs

The MJ Companies

When a company experiences significant increases in workers’ compensation costs, it usually triggers internal activities aimed at reducing insurance costs and spending. The key …

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