Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...

Christy Bieber has a JD from UCLA School of Law and began her career as a college instructor and textbook author. She has been writing full time for over a decade with a focus on making financial and ...

A state-by-state summary of which businesses need workers’ compensation insurance and how to buy it. Many, or all, of the products featured on this page are from our advertising partners who ...

Workers' compensation rates stem from various factors, including industry risk, claims history and payroll costs. Here's what you need to know about workers' compensation, and how to keep costs down.