A recent survey found that only about one-third of small businesses have active workers' compensation policies.

Workplace challenges and legal uncertainties are the key drivers behind the more than 500 lawsuits already filed.

The litigation involves a woman who suffered a slip-and-fall injury at the home of Jeffrey Atkins, who is better known as Ja Rule.

Initial court rulings demonstrate the importance of establishing direct physical loss to insured premises in business interruption claims.