Claims

Survey finds little training for adjusters and an emphasis on discounts from healthcare providers rather than on the care of injured workers.

In handling workers' comp claims, the first rule is, essentially, "If it ain't written down, it didn't happen."

Claims currently cost the P&C industry $40 billion just to administer. New systems -- native to the Internet -- must be adopted.

For one, companies only have too many people involved rather than assigning responsibility to a single person.

Here is a checklist of those issues that can be part of the give and take of negotiations in workers' compensation cases.

Hidden conflicts of interest mean companies and insurers should consider new outside counsel in securities class actions.

Invisibility can be used deliberately to hide problems or shift responsibility, or inadvertently in ways that muddle lines of authority.

The surge will continue, creating advantages for well-capitalized players and raising challenges for smaller competitors.