Paul H. Flowers Jr.Senior Business Consultant, Superior Insurance Advisors, LLC · 2024 Hot 100 honoree. 2026 Health Value Award. Fiduciary process documented. 30 to 40 percent health-plan savings for 100 to 2,000 employee CFOs. 3x number one bestseller.

What You Tolerate, You Pay For | The Renewal Habit Costing Employers Millions

17 Jul 2026 · 1 min

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Paul H. Flowers Jr. says companies waste millions by signing renewal contracts without questioning price increases. He calls it the most expensive habit in business: leaders never calculate what they'd actually pay for claims. Stop tolerating automatic hikes and run your numbers instead.

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Here's a hard Friday truth: what you tolerate, you pay for. Every year the renewal lands. Every year it's higher. And every year somebody says, "That's just how it is," and signs. That signature is the most expensive habit in your company. Ask one question before you sign again: "What would we pay if we only paid for our own claims?" Most leaders have never seen that number. The ones who do rarely go back. Stop tolerating. Start inspecting. I'm Paul H. Flowers Jr. Run your numbers at paulflowersjr.com.