Ann Hickman is a senior research analyst and the curriculum director for the IRMI Construction Risk Conference. She coauthored the original release of IRMI Workers Comp, a Complete Guide to Coverage, Laws and Cost Containment, wrote several construction risk and insurance specialist (CRIS) courses and serves as editor of the IRMI Construction Risk Manager e-newsletter. She is a construction risk and insurance specialist (CRIS) and holds the chartered property casualty underwriter (CPCU) and associate in risk management (ARM) designations. Visit irmi.com.