Workers comp premiums rise fast at growing organizations — the more employees they have, the higher their premiums jump. And at a quickly scaling organization, the result can be a pretty big unexpected expense at the end of the year.

In the face of such rising employee-benefits costs, some employers are choosing to limit benefits, or forego purchasing workers’ comp insurance altogether.

But, the latter decision comes with a new set of risks, which can be even more costly than providing workers compensation in the first place. Here are the results that business owners should carefully weigh.

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