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Most business leaders treat workers’ compensation like an insurance problem.

It’s not.

In this solo episode of The Policy Playbook, Misty Carson breaks down why workers’ comp is actually a leadership, operations, and culture issue that shows up on your insurance policy months or years later.

You’ll learn why experience mods are lagging indicators, how the first seven days after an injury determine claim severity, and why safety programs fail when leadership behavior doesn’t match policy language.

If your work comp costs keep rising and you can’t explain why, this episode will change how you look at risk, accountability, and control.

Smart strategies. Straight talk. Zero BS.

📝 Show Notes

Workers’ compensation is one of the most controllable lines of insurance, but only when leaders understand what actually drives cost.

In this episode, Misty explains why claims aren’t random, why your experience mod reflects past leadership decisions, and how culture shows up in claim severity every time. This conversation reframes work comp as a system issue, not a carrier issue.

What You’ll Learn

• Why your experience mod is a lagging indicator, not a scorecard
• How the first seven days after an injury decide claim outcomes
• The leadership behaviors that increase claim severity without anyone noticing
• Why safety manuals don’t reduce claims but leadership behavior does
• How return to work programs directly reduce cost and litigation
• Why two similar companies can have drastically different work comp results

Who This Episode Is For

• Business owners frustrated by rising work comp premiums
• Leaders managing safety, operations, or HR
• Organizations with recurring injuries or high claim severity
• Anyone responsible for controlling insurance costs, not just buying policies

Links:

🔗 Subscribe → The Policy Playbook

💌 Join the newsletter → Play of the Week

🤝 Connect → LinkedIn

💻 Website → The Playbook Consulting Group

Support the show

Send a text

You can have millions in property coverage and still go out of business after a covered loss.

In this solo episode of The Policy Playbook, Misty Carson breaks down business income coverage, the most misunderstood coverage on a commercial policy and one of the biggest reasons companies fail after a fire, tornado, or major equipment loss.

You will learn what business income actually covers, what it does not, and why most businesses have the wrong limit, the wrong period of restoration, and no plan for extra expense. Misty also explains contingent business income, the coverage you need when your supplier goes down and your building is fine but your operation is dead.

If you have not stress tested your business income limit in the last two years, this episode is for you.

Smart strategies. Straight talk. Zero BS.

Links:

🔗 Subscribe → The Policy Playbook

💌 Join the newsletter → Play of the Week

🤝 Connect → LinkedIn

💻 Website → The Playbook Consulting Group

Support the show

Send us a text

Hiring is not an HR task, it is a business protection strategy.

In this episode, Misty Carson sits down with Tamara Galla, President and CEO of PDI Connection, to break down what most leaders miss about recruiting, culture, and the real cost of turnover. Tamara built her firm on three non negotiables, Passion, Drive, and Integrity, and she explains why the fastest hire is rarely the right hire.

They cover why candidates prefer recruiters, why posting and praying is dead, and how leaders can protect their business by building a roster, not filling seats.

What You Will Learn

• Why your talent strategy is your business strategy
• The hidden cost of turnover and mis hires
• How recruiters reduce time, risk, and disruption
• What Passion, Drive, and Integrity look like in real hiring decisions
• Why culture fit starts with leadership, not perks
• How to build a team you would protect at all costs

Guest

Tamara Galla, President and CEO of PDI Connection

PDI stands for Passion, Drive, and Integrity, the core values behind how she builds championship rosters for growing businesses.

Links:

🔗 Subscribe → The Policy Playbook

💌 Join the newsletter → Play of the Week

🤝 Connect → LinkedIn

💻 Website → The Playbook Consulting Group

Support the show