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The right workers' compensation insurance policy will support a business and its employees rather than hinder them with costly operational expenses. (Shutterstock) The right workers’ compensation insurance policy will support a business and its employees rather than hinder them with costly operational expenses. (Shutterstock)

For those looking to start a small business, purchasing workers’ compensation coverage is likely on the to-do list. While this type of insurance is required by almost all states (with a few notable exceptions), there’s no one-size-fits-all solution, leading some businesses to select ill-fitting or overly expensive policies.

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