Employers have a love-hate relationship with workers’ compensation insurance. While the program protects business owners from lawsuits for workplace injuries, the premiums threaten profits. 
 
“The cost of workers’ compensation is a huge concern for most employers,” says Ed Priz, president of Advanced Insurance Management, Chicago. “In some regards it is more of a widespread problem than health insurance.” Unlike that optional medical benefit, workers’ comp is mandated virtually everywhere, except for some states which exempt the smallest of employers.
 
Cut your costs
 
The foremost problem is, of course, the size of ...