Independence Day is that glorious twenty‑four‑hour period when the scent of charcoal mixes with the unmistakable aroma of impending litigation. While California revelers juggle sparklers, employers and claims professionals juggle exposure. Allow this tongue‑in‑cheek primer to keep both eyebrows—and your loss ratio—intact. 1. “Mandatory Fun” or Optional Liability? A picnic flier that “strongly encourages” attendance […]
