31. 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.