The Crook at the Next Desk - by Laurence R. Stains
American businesses are being embezzled left and right. There’s a reason you don’t hear much of it.

Employment Practices Liability Insurance
Common Definitions, Terms & Conditions

Freeze the Facts
A proactive approach to injury management includes establishing a rigor around your accident investigation procedure.

General Liability
Basis of Premium

"Hidden Risk" Ordinance or Law Exposure
Most businesses insure buildings and contents against fire and other perils. Most insure against the loss of income or extra expense that follows a loss. But building laws may require the owner to incur unforeseen and uninsured expenses.

Who is an Independent Contractor?
In Revenue Ruling 87-41, the IRS developed a test to classify employee-independent contractor status. The factors and considerations are as follows:

Massachusetts Recreational Use Statute Protects Landowners From Ordinary Negligence Claims
Property and casualty insurers should be aware that a landowner cannot be held liable for personal injuries sustained on recreational land unless the landowner imposes a fee or engages in willful, wanton or reckless conduct.

Payroll
the Workers’ Compensation Premium Base

Six Steps to finding the Best Insurance Company for Your Business
A well designed insurance program is essential when it comes to protecting a business from the many everyday risks it faces. The complex insurance marketplace can make choosing an insurance company and agency tricky, as well as understanding basic cost containment practices that are necessary to a business’ bottom line.

How to Recognize Suspicious Claims
Specific indicators of workers’ compensation fraud — Use this checklist of 52 red flags to review workers’ compensation claims for evidence of fraud.