State Pure Premium Cost Comparisons

October 3, 2026 – MICHAEL J. MARSH

Montana's pure premium has moved in the Oregon Premium Analysis, from the most expensive state in the US down to a tie for 13th. But it is still 63% MORE EXPENSIVE than its neighbor to the east.

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Back to Basics – Humanizing the Worker's Compensation System

Jun 11, 2016

The following is a presentation to the Montana Governor’s Labor Management Advisory Council on Workers’ Compensation, June, 2016.

Financial Benefit of Humanizing Comp - Legal

2026

The investment in Humanizing the WC system leads to surprising savings, this study shows significant savings in defense legal expenses.

Set Expectations and Deliver Beyond

Elon Musk has a skill for setting low expectations and delivering results beyond them. The WC claims community can learn to exceed best practices' lowest common denominator expectations

About Michael J. Marsh

Mr. Marsh is the President of Midland Claims Service, Inc., Underwriting Solutions, Inc. and Recreational Action Sports Entertainment ("RASE LLC"), Montana-based companies. He has a diverse insurance and technology skill set. He is a Montana licensed Adjuster, WC Examiner and Agent/Producer as well as a Certified Insurance Umpire and well-known litigation claims process expert.

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