Please note: The excerpts accessible below are copyrighted material. They originally appeared in Levine on California Workers Compensation Premium and Insurance, published by International Risk Management Institute, Dallas, Texas, 2004-2006. The material has not been updated and may no longer be current or correct. It is not intended to provide guidance or legal advice. It is provided here merely as exemplars of Dr. Levine's writings in the topic area. It should not be used nor relied upon for any other purpose without the express, written permission of the author.