The Insurance Professional's Practical Guide to Workers' Compensation

From History Through Audit

De: Christopher Boggs

Narrado por: George Jack

This audiobook details the modern workers' compensation system and its operation within the statutory, contractual and juridical world in which the coverage exists. Legal and contractual concepts are concretely demonstrated using simple and accurate explanations.

Concepts explained in this audiobook include: what constitutes a compensable injury, who are general contractors responsible for insuring, second injury funds, the borrowed servant doctrine, employers' liability coverage, when additional states must be added to the policy, audits, and a detailed description of how to interpret experience modification factors. The appendices combine to provide a synopsis of specific work comp laws and injury reporting requirements for every state.

©2022 Wells Media Group, Inc. (P)2022 Wells Media Group, Inc.

Good Introductory Book

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.

Good guide for policy understanding

Decent listen on my morning walks, but would encourage listeners to approach as a study guide and to prepare to spend some time making notes as chapters our listened to in order to get the most from the material.