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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Risk Management
Risk Management

Subcontractor Risk: Why Your Certificates Might Not Protect You 

PUBLISHED October 29th, 2026
Dylan Wilson

If you’re a general contractor, you probably collect certificates of insurance from every subcontractor (sub) before they set foot on the job. That’s a good habit. But a certificate showing you as an “additional insured” doesn’t guarantee you’re covered.  Being (…)

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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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Risk Management
A close up of a computer screen with various different charts that are different colors
PUBLISHED August 24th, 2026

The council’s Q2 P&C market survey report

The MJ Companies

The following are key takeaways from The Council of Insurance Agents & Brokers’ Commercial P&C Market Report for Q2 2026 (April 1–June 30): Risk doesn’t stand …

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Risk Management
PUBLISHED August 19th, 2026

P&C Market Update, August 2026 

Ryan Daniele

Another quarter, another mixed bag for the commercial insurance market. Although we aren’t seeing the kind of drastic shifts so common over the past …

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Employee Benefits
People looking over a piece of paper on a table with a laptop
PUBLISHED August 13th, 2026

AN ICHRA MAY SOLVE A COST PROBLEM. BUT IS IT SOLVING THE RIGHT PROBLEM?

Courtney Hutchison

For employers facing rising healthcare costs, the search for sustainable benefits strategies has become increasingly urgent. Organizations are looking for ways to create more …

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Employee Benefits
A glass chart with a glass arrow pointing upwards
PUBLISHED August 12th, 2026

THE STOP-LOSS MARKET IS CHANGING. HERE’S WHERE EMPLOYERS SHOULD FOCUS.

Paige Beilby

If your most recent stop-loss renewal felt more challenging than usual, you’re not alone. Over the past year, I’ve had more conversations with employers …

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Risk Management
PUBLISHED August 11th, 2026

POLLUTION MEANS MORE THAN YOU PROBABLY REALIZE—AND REQUIRES SPECIFIC COVERAGE

Becky Seiler

Even water—one of the most essential substances on the planet—can be a pollutant, depending on where it ends up and what contaminate it may …

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Compliance
Architectural details of classical columns from a historic building, showcasing intricate carvings and a low-angle perspective highlighting the grandeur of the structure.
PUBLISHED August 7th, 2026

MEDICARE PART D CREDITABILITY UPDATE

Bryan Gross

Employers are not required to offer creditable prescription drug coverage, but they are required to determine and communicate creditable (or non-creditable) status to eligible …

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Risk Management
PUBLISHED August 4th, 2026

YOUR STRONGEST SAFETY CULTURE STARTS WITH WHY

Mike Janicki

What a person does at work each day doesn’t begin and end with them. That notion is a big part of how companies build …

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Risk Management
Woman looking up at cyber wall
PUBLISHED July 30th, 2026

NAVIGATING THE GRAY: AI RISK IS AN ENTERPRISE CHALLENGE

Aaron Shields

There’s a lot of talk about AI, with plenty more to come—and for good reason. But with new developments and considerations emerging constantly, it …

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MJ Foundation
Man sitting next to young boy while he reads from notebook.
PUBLISHED July 28th, 2026

ART HEALS ARIZONA CREATES A SAFE SPACE FOR PERSONAL EXPRESSION 

Britni Shrout

The human urge to create isn’t just about making something beautiful or even telling a story but about gaining self-knowledge and finding connection that …

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Compliance
Close-up view of marble columns with the American flag visible in the background, capturing the architectural details of a historic building.
PUBLISHED July 24th, 2026

EBSA RELEASES AGENDA OUTLINING UPCOMING REGULATORY ACTIONS

Bryan Gross

On July 3, 2026, the Trump administration released its 2026 Regulatory Plan and Unified Agenda of Regulatory and Deregulatory Actions (Agenda), identifying its significant …

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Retirement
Married couple sitting at a table looking at bills with a computer.
PUBLISHED July 23rd, 2026

RETIREMENT ISN’T JUST A BENEFIT – IT’S A STRATEGY

Doug Prince

Retirement plans are often measured by participation rates, match levels, and account balances. But those metrics tell only part of the story. More organizations …

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