Warning about potential changes to Workers Comp audit handling of "insured" contractors

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For a long time if you paid someone to who has their own WC policy it has not counted against you on your own audit. However some insurance companies are changing how they view some "insured" contractors and you need to be aware of this in advance. To explain: many contractors have what is commonly referred to as a "ghost policy" which does not actually cover themselves. Many of these contractors also have no employees/workers of their own and perform all work themselves. What this actually m...