Sometimes I think the insurance industry gets a little too clever for its own good, particularly in regard to workers' compensation insurance. And when it does, it often ends up generating considerable work for the courts and for insurance regulators.
Case in point: the use of "side agreements" to change the terms of workers' compensation insurance policies. A lot of insurance companies have used these agreements, sometimes in ways that are consistent with the policies themselves, sometimes not so much. The standardized workers' compensation insurance policy, th...
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