About Us

Helping Businesses Take Control of Workers' Comp Costs

Most employers focus on their workers' compensation premium.

We believe they're looking at the scoreboard.

Premiums and experience modification factors are important, but they're lagging indicators. They reflect the results of thousands of operational decisions that have already been made.

Our focus is different.

We help businesses improve the Cost Control Behaviors™ that influence those results long before renewal.

Our Story

After more than 25 years in the corporate world, I learned that risk management isn't just about insurance policies—it's about protecting the people, businesses, and livelihoods that depend on them.

That lesson became deeply personal after the unexpected loss of my business partner. Navigating the challenges that followed revealed how quickly a lack of planning can create financial and operational uncertainty. The experience reinforced something I had seen throughout my career: the most costly risks are often the ones businesses don't recognize until it's too late.

Those experiences eventually led me to develop the Cost Control Behaviors™ Framework—a practical methodology that helps employers focus on the operational behaviors that influence workers' compensation outcomes long before premiums and experience mods reflect the results.

How We Work

We begin by understanding how your organization operates—not just how it's insured.

Together, we identify the Cost Control Behaviors™ that influence your workers' compensation outcomes, evaluate where opportunities exist, and develop practical strategies to strengthen those behaviors over time.

Insurance remains an important part of the solution, but we believe the greatest opportunities often lie in improving the operational practices that drive claim outcomes long before renewal.

No jargon. No pressure. Just practical guidance that helps you take control of what drives your workers' compensation costs.

Who We Serve

We work with employers who want more than an annual insurance renewal.

Our clients include:

Small and mid-sized businesses

Contractors and trade businesses

Manufacturing and industrial operations

Retail, hospitality, and service organizations

Business owners seeking a more strategic approach to risk and insurance

Whether your challenges are straightforward or complex, our focus remains the same: helping you improve performance, reduce risk, and create a stronger insurance program.

Our Process

Understand Learn how your business operates.

Identify Evaluate the Cost Control Behaviors™ influencing your workers' compensation performance.

Prioritize Focus on the behaviors with the greatest opportunity for improvement.

Improve Implement practical changes throughout the policy year.

Measure Track how improved behaviors influence claim outcomes, experience mods, and premiums over time.

Notice how every step reinforces the philosophy.

Why Businesses Choose Us

Businesses choose MTD Strategic because we don't begin with the insurance policy.

We begin with the operational behaviors that drive the results.

Our advisory approach combines practical business experience, workers' compensation expertise, and the Cost Control Behaviors™ Framework to help employers build stronger operations—not simply lower premiums.

Because controlling workers' compensation costs isn't about finding a cheaper insurance policy. It's about improving the Cost Control Behaviors™ that drive those costs in the first place.