LEGAL STATEMENT: This website ( and is made available by Karen Yotis for informational purposes only. The Blog provides general information and a general understanding of compliance issues and law and is not intended, nor does it provide specific legal advice. Use of this website and/or Blog does not create an attorney/client relationship. Authors are responsible for the opinions and information they provide for reader consideration and are solely responsible for their opinions published on this site. Prior results do not guarantee a similar outcome.

ADVERTISING NOTICE: I’ve always believed in transparency, so I am disclosing that this site includes mentions and links to products and services that may generate an affiliate commission, gift-in-kind, or revenue-sharing reward for any purchases you may or may not make as a result of my referral or recommendation. Because the purpose of this site to educate you on trends, opportunities and news, I encourage you to consider any external links independently of their publication in this site.

Please assume that any links leading you to products or services are affiliate links that I will receive compensation. Although there are considerable programs, products and services on the web that relate to insurance, I only promote those products or services that I have investigated and truly feel deliver value to readers.

Please note that I also occasionally am provided free or reduced-cost products or services by companies, organizations and individuals in exchange for mention, review, or advertising.

If you have any questions regarding the above approach, please contact me.


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A Note from the Author

Karen Yotis

Welcome to Straight Talk! I trust that you'll find the content that I post for you to be helpful and thought provoking.

This has been a remarkable year for insurance compliance and workers' compensation and I anticipate equally incredible developments in both areas during 2015. You'll be able to share your thoughts about top trends and issues in Straight Talk's December Survey, coming soon! The best responses will be quoted in future blogs and newsletter articles.

Thanks for visiting,

Karen C. Yotis, J.D.
Author and Content Strategist