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A ghost workers’ compensation policy is a type of insurance policy designed for businesses that are required by law or contract to have workers’ compensation coverage, even if no employees exist. It’s called a “ghost” policy because it technically provides no coverage for any workers — it exists mostly to meet legal or contractual requirements.   Key […]

Higher prices continue to affect the housing market.  As stated in a recent NAHB article citing a Bureau of labor statics report, prices are up 20.4% year over year and have gone up 31.3% since 2020.  There is hope that the inflationary pressure on building products will stabilize, but it remains to be seen if […]