How workers compensation claims work. 

http://www.jdsupra.com/legalnews/what-if-your-work-injury-is-your-fault-38397/?utm_source=jds&utm_medium=twitter&utm_campaign=legalalerts 

Luckily I have not run into this problem myself...... yet (knocks on wood).  Check out this article on how accepting just any old client that walks through your door may end up costing you in the end. 

http://lawyerist.com/cost-problem client/utm_source=feedburner&utm_medium=twitter&utm_campaign=Feed%3A+solosmalltech+%28Lawyerist%29