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One of the pillars of the U.S. economy is the number of new businesses and small businesses that provide jobs and services in their respective communities. And behind each of these small operations is most likely a single entrepreneur whose imagination is fueled by the thought of engaging in some industry such as operating a restaurant, a print shop, or automotive center. For the small business owner/operator, the focus is on building the business and meeting the numerous federal, state, and local administrative regulations is generally an unwanted distraction. Of those regulations, meeting a state’s workers’ comp requirement is one of the most important, since failure to do so can result in significant fines. Study after study also has found that workers’ comp insurance costs represent a major impact on a business’s bottom line. For that reason alone, an employer’s insurance agent is as important and necessary as the employer’s accountant, lawyer, or financial advisor.

The Agent’s Role

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