Taylor McGregor

Good Introductory Book

Revisado: 03-27-24

The topics reviewed are necessary to understand workers comp and were delivered well. I wish there was more clarification and examples, but you can only fit so much about these topics into 1 book.

My only complaint is with the audit section. I am not sure why the author chose to blame the auditors for including subcontractors, or non employees, as employees and make no clarification that the insured could be negligent. In my experience as an agent, 90% of the time it is the insured's fault for not providing documentation showing their subcontractors are insured or exempt from having to carry workers comp. I don't recall ever seeing an auditor "disregard" documentation or clarification that should have been accepted. The reasoning is usually the paper work was not actually sent in or not acceptable (certificate falls outside the audit period, is a forgery (yes, I've seen fake certificates sent in), or does not show workers comp). Assuming the insured provided all the required and accurate documents is only going to cause you more work as an agent and lose you clients.

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