Book excerpt: As a small to medium business owner, correctly managing your workers' compensation coverage may mean the difference between staying open another year, or closing your doors for good. This is the book that you wish you had read before you hired your first team member. In it, Nancy Germond, will break down the complexity of workers' compensation, why you need it, why you need to pay attention to it, and how doing it well will make your team better, and help your company's bottom line.Nancy Germond is a second-generation insurance agent, an insurance educator, and now an author.