Workers compensation insurance is often overlooked by business owners, but understanding it can prevent costly issues. It covers not just major accidents, but also everyday risks like musculoskeletal disorders and mental health conditions. State laws vary, so even if youre exempt, coverage is wise. Staying compliant means proactive reporting and accurate record-keeping. Ignoring these can lead to denied claims, increased premiums, or penalties. Dont skip your annual audit; incomplete data can result in back payments or policy cancellation.
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