Here is a link to a good e-learning guide to workman's compensation insurance from The Hartford titled "Help me understand workman's comp insurance well enough to feel good about what I buy?
www.thehartford.com/workerscomp/generic.html
The CMS commercial staff is well versed in workman's comp insurance....so if you have further questions please don't hesitate to give us a call. 336.679.8816