Using various data, the report analyzes the availability and affordability of workers comp coverage. The system gets overall high marks, except in terms of availability for some companies. "The majority of complaints about not being able to get coverage in the voluntary market comes from small employers, new businesses and construction employers," the report says. "Employers with a combination of these characteristics are especially difficult to place in the voluntary market. In some cases, coverage is related to the availability of agents in the local area and the number of insurers the local agents represent."
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