MJ Insight

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

Risk Management
Risk Management

Instead of Premium, Focus on Total Cost of Risk

Too often, organizations evaluate their insurance program the same way consumers shop for cable packages or cell phone plans—compare prices, negotiate rates, and choose the lowest acceptable option. But business risk doesn’t work that way. A lower premium can absolutely (…)

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Risk Management
Someone sitting at a table using a calculator with data information on the table
PUBLISHED October 21st, 2026

Instead of Premium, Focus on Total Cost of Risk

Dylan Cozad

Too often, organizations evaluate their insurance program the same way consumers shop for cable packages or cell phone plans—compare prices, negotiate rates, and choose …

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Risk Management
PUBLISHED August 25th, 2026

Your Experience Mod Is Telling You Something. Are You Listening? 

Dylan Cozad

Most employers know their workers’ compensation Experience Mod. They know whether it’s trending up or down, how it may impact premium, and whether it …

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