Why Turnover is Driving Your Insurance Premiums (and How to Fix It)

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Most leaders treat turnover as a human resources problem. What they don't realize is that it’s actually a massive risk signal that quietly bleeds into every line of insurance they buy.

In this solo episode, Misty Carson breaks down the "Zero-BS" reality of how high turnover levels are driving up your workers’ comp, health insurance, and liability costs. Insurance is a lagging indicator; by the time your premiums spike, the damage from your turnover was done 12 to 24 months ago.

Misty explains why underwriters look at turnover to judge your business and how you can stop chasing lower quotes and start fixing the systems that are making your company riskier.

What you’ll learn:

• Turnover as a Risk Signal: Why insurance companies price based on what actually happens inside your walls, not your intentions.
• The Line-by-Line Breakdown: Exactly how churn hits your Workers’ Comp, Health Insurance, EPLI, and Auto Liability.
• The Lagging Indicator: Why today’s retention decisions determine the insurance costs you'll be paying two years from now.
• Retention as a Risk Strategy: Moving beyond "feel-good" initiatives to using training and leadership consistency as a defensive play.
• System Fixes vs. Policy Fixes: Why you can't shop your way out of a leadership problem.

Who this episode is for: CEOs, Operations Managers, and Business Owners who are frustrated by rising insurance costs and want to understand the operational drivers behind the numbers.

🎧 Listen to learn how to connect the dots between your team’s culture and your company’s risk exposure.

Subscribe & Review: If this solo masterclass changed how you look at your P&L, follow The Policy Playbook and leave a review—it helps us reach more leaders who are ready to play offense.

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