It can be important to determine whether a person being hired to do some work is a "casual" employee, because

$\text{'}($Search Chapter $3)$

a$.$ all states require an employer to procure workers compensation coverage for a casual employee.

b$.$ casual employees are not required to comply with dress codes.

c$.$ casual employees are permitted to take longer breaks.

d$.$ many states do not require workers compensation coverage for a casual employee.

Many of the home owners who purchase insurance from Melvin, an insurance agent, have one or more domestic employees. Even though homeowners insurance involves personal lines accounts, rather than businesses, Melvin should become knowledgeable about workers compensation law in the state$($s$)$ where he does business. The most important reason is that it will enable Melvin to

$($Search Chapter $3)$

a$.$ advise clients who are injured on the job and seek his professional advice.

b$.$ educate his staff and clients as to when home owners should purchase workers compensation insurance.

C handle claims by agency employees who are injured on the job.

d$.$ meet continuing education requirements.

Claude is now the proud owner of Mac, a cat, but Mac seems to think it's the other way around. To prevent insurance claims that might result from a Mac attack, Claude should take all the following risk management steps EXCEPT $1$

$($Seatch Chapter $3)$

a$.$ obtain professional behavioral training for the cat.

b$.$ keep the cat away from children.