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American Independent Business (Business Operations and Management) American Independent Business by Phillip B. Chute
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“Workmen’s Compensation insurance is very complicated, expensive, and mandatory. Because it is mandatory and subject to government regulation and enforcement, it is much abused. The rates are much higher than they should be. If you have any employees (even an in-house babysitter or housekeeper makes you an employer) then you need W.C. coverage.”
Phillip B. Chute, American Independent Business