Retail Law

Workers’ Comp. Coverage for Independent Contractors

T Clement

Appropriate insurance coverage and the associated premium are calculated risks for both consumer and insurer. Life insurance is the best example. As a consumer, we try to determine what our family will need without knowing the critical variables of when the proceeds will be needed and what our financial condition will be at the time.

Legally Speaking: Fostering Diversity in the Workplace

T Clement

By TOM CLEMENT, MRA VP, Operations and General Counsel


Diversity is a strength to the institutions we hold close in our country. Whether who we live near,