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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

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