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In this episode of The Moss HR Minute, Preslie Dusenbery, Phoenix HR Area Manager of Moss Consulting HR Services, sits down with Brett McCleary and JR Tran-Reno from Holmes Murphy. As specialists in property and casualty risk, employee benefits, and long-term insurance strategies, Brett and JR address the growing frustration business owners face regarding rising premiums and unpredictable coverage.

This conversation peels back the curtain on why insurance costs have seen 28 consecutive quarters of increases and how factors like nuclear verdicts and inflationary pressures are driving the market. Brett and JR explain that insurance should not be viewed as a reactive "fire drill" but as a strategic five- to ten-year growth plan.

Key topics discussed include:
The "Million-Dollar Question": Understanding the external market forces—including weather patterns and litigation trends—that impact your bottom line.

Proactive vs. Reactive Risk Management: How to implement systems like telematics and safety training to prevent claims before they happen.

Safety Culture vs. Checking Boxes: Why true safety buy-in from leadership creates a "good story" that brokers can use to negotiate better rates.

The Consultant Interview: Why owners should interview multiple brokers but ultimately commit to one who understands their long-term vision.

The Worst-Day Action Plan: Crucial steps to take when a claim occurs—and why hiring outside counsel before calling your broker is a common mistake.

This episode is essential for founders and operators who feel like insurance decisions are being made to them rather than with them. By the end of this discussion, you will understand how to transform insurance from a top-three expense into a tool that supports your company’s scalability. Brett and JR also share their expert advice on reducing risk—all delivered within one Moss Minute.

Guest Information
Brett McCleary & JR Tran-Reno, Holmes Murphy
Website: www.holmesmurphy.com
Brett McCleary Email: bmccleary@holmesmurphy.com
Brett McCleary LinkedIn: https://www.linkedin.com/in/brett-mccleary-399583182/
JR Tran-Reno LinkedIn: https://www.linkedin.com/in/jrtranreno/

Contact Moss Consulting
Book time with Nicole to talk about your HR needs:
https://mossconsulting.com/book-a-free-consultation

Learn more about Moss Consulting HR Services:
www.mossconsulting.com

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@TheMossHRMinute

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