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Workers’ compensation is a game of rules. Like all other games—from Monopoly to football—if you don’t know the rules, you’re going to find it difficult to win.

We don’t normally think of insurance as a “game,” but you definitely have to know the rules in order to get the best results for your clients. These rules are readily available. But it’s been my experience that agencies rarely have these rules at their disposal. They choose instead to rely on experience to guide them to what they think is correct.

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