If you’ve ever gone through an insurance loss control survey or filled out a commercial insurance application, one of the questions they ask is what type of employee screening practices you have in place.  Why?  Well, because you’ll typically pay a higher rate for workers compensation or other liability insurance if your screening practices are nonexistent or weak.  Underwriters factor this information into your rates.  An employer with solid screening practices in place is less of a “risk” than one without.  It’s rather simple.