This book details the modern workers' compensation system and its operation within the statutory, contractual and juridical world in which the coverage exists. Legal and contractual concepts are concretely demonstrated using simple and accurate explanations.Concepts explained in this book include: what constitutes a compensable injury, who are general contractors responsible for insuring, second injury funds, the borrowed servant doctrine, employers' liability coverage, when additional states must be added to the policy, audits, and a detailed description of how to interpret experience modification factors. The appendices combine to provide a synopsis of specific work comp laws and injury reporting requirements for every state.