It’s time to retire the term “nuisance settlement.” What used to mean a small payout now represents significant financial impact for policyholders. This post challenges outdated industry language and breaks down how “cost of defense” decisions shape claims strategy, expenses, and client perception.

Think you understand your workers’ comp claims? If you’re only listening to the story and not the numbers, you’re missing what really impacts your costs. Here’s why total incurred and reserves tell the story that actually matters.

When should you report claims to excess insurance carriers? Learn the 50% “Bon Jovi rule” for self-insured retentions and why early excess reporting matters.

Does your executive team think insurance works like their car policy? It doesn’t. Here’s how risk managers can educate leadership on commercial insurance and why it differs from personal insurance.

Why do insurance carriers avoid California? Learn why “ABC” stands for “Anything But California” in the insurance world, and what risk managers must do to secure coverage in the Golden State.

What does the final season of Game of Thrones have in common with outdated risk management programs? Everything. Discover how the sunk cost fallacy traps us (in TV shows and business) and what risk professionals can do about it.

A transparent guide to insurance and risk-management designations. Explore the real costs, hidden requirements, employer reimbursement pitfalls, and whether credentials like ARM, AIC, AINS, or CPCU genuinely improve your career, or just add letters to your resume.

This blog explores how risk management professionals can prevent scope creep by clearly defining their roles, responsibilities, and authority. This includes practical tips on managing overlap with HR, setting boundaries with vendors, and ensuring leadership understands what’s realistically achievable. A must-read for risk managers seeking clarity, collaboration, and control in their day-to-day operations.

Discover how the Curse of Knowledge affects communication in the insurance and risk management industry. This blog explores why professionals must ditch the “common sense” mindset, embrace empathy, and learn to simplify complex topics for newcomers and consumers. Perfect for insurance educators, agents, and risk pros who want to improve how they teach and connect.

New year, new conference schedule! This wishlist highlights how event organizers can make conferences more accessible, more honest, and more meaningful for risk and insurance professionals.

Learn why “Can we do it?” is the wrong question in risk management, and how asking “Should we do it?” leads to smarter, safer decisions.

Bust the biggest myths in claims and learn the truth about claims closure quotas, whether adjusters get paid based on savings, and why cases really drag out. Perfect for employers, HR teams, risk managers, and anyone who wants to understand how claims actually work (minus the misconceptions you see social media).

Explore why workers’ compensation settlements shouldn’t be driven by emotions or “culture fears”. This blog breaks down common misconceptions employers have about settling claims and how settlements are financial decisions, not emotional decisions. Learn why the claim often isn’t even the employer’s to control, how litigation already impacts culture long before settlement talks, and why focusing on facts over frustration leads to better outcomes for your organization.

Why doesn’t Gen Z want to work in claims? Turns out we may be fumbling our internship opportunities. Are we using internships to show students how rewarding the career can be? Or are we just looking for a warm body to manage a caseload?

Is AI solving your problems, or just creating new ones? In this post, we explore why it’s so hard to find a solution among the endless barrage of AI tools, and why we can’t find a good solution until we’ve done the work of defining the actual problem we are trying to solve.

Employers say they don’t want to “buy the psyche,” but they already have. In this blog post, we talk about lessons learned from the Work Injury Medical Association of Hawaii (WIMAH) conference, and why ignoring mental health in workers’ comp costs more than addressing it.

You received a workers' comp claim for stress and the adjuster denied it. Problem solved, right? Wrong. Your work as an employer is just beginning. This blog explores the sources of stress claims and what employers can do to prevent them.

Apportionment in workers’ compensation can save employers money, but is the juice worth the squeeze? This blog explores the hidden costs of pursuing apportionment, why it often delivers limited returns, and how investing in employee wellness and prevention offers greater long-term savings.

What’s in a title? In insurance and risk management, apparently everything and nothing. From Claims Adjusters II to Resolution Managers to Directors of Risk who specialize in everything from cyber to credit, job titles are a chaotic mess. This post breaks down the identity crisis of professional titles in our industry.

Southern California summers feel never-ending, but the risks of heat illness go far beyond dehydration. This blog highlights overlooked dangers such as severe burns from collapsing on hot surfaces and long-term brain injuries caused by heat stroke. Learn why early nurse case management and proactive prevention are critical for protecting employees and managing workers’ comp claims.