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, ...

Insurance that covers medical and rehabilitation costs and lost wages for employees injured at work; required by law in all states Almost every business in the United States that has employees has to ...

Forbes contributors publish independent expert analyses and insights. Writes about the future of finance and technology, follow for more. Small businesses face significant hurdles, particularly when ...