It was very informative and easy to understand for someone who isn’t well educated on the complexities of workers comp. It made me realize the importance of managing claims, which nobody had ever explained. Needless to say, that’s a major issue for an employer. It was an eye opener.

— Amy Scarnati, Vice President, Double Nickel Delivery II Inc

Each Book Contains




By purchasing & registering your book, you will receive:

  • Monthly  Advisory E-Newsletter
  • Invitation and Admission to Future Workshops and Webinars
  • 15 Resources to help you take control of your Insurance Program and Costs!

The 10 Laws of  Insurance Attraction

As a successful business owner, why would you keep rolling the dice when it comes to managing your insurance program? Constantly frustrating yourself chasing quotes through the broken insurance industry bidding process? Leaving the determination of your premium up to the insurance industry with their “hard” and “soft” market cycles? Only you can answer these questions. But you can take some comfort in knowing that you are not alone.


Nearly 30 years of experience has shown that the most successful business owners do not allow their results to be left to chance. They have found that by better managing their organizations, they become more attractive to insurance companies and earn significantly lower premiums. Using these little known management secrets, they have made their companies more productive, profitable and enjoyable.


Inside these pages you will find out how to stop gambling as the way to reduce your insurance premiums, and learn how to put yourself in a winning position where you ultimately control the game.

Laws of Insurance Attraction

Hit #1 Best Seller in Business on Amazon in November 2016

Stop Being Frustrated & Overcharged

(By Your Workers' Compensation Program)

After two years of researching what were the core problems of 1,187 owners, executives, supervisors, foremen, HR professionals, and accountants, this book was created to help business owners solve those problems and slash their workers' compensations premiums.


Stop Being Frustrated and Overcharged is not a technical “coverage book,” it is a practical book designed to give you the insight as to what is affecting your company, what you can do to address it, and more importantly, the tools to achieve results!


It is written by a business owner, who happens to be a risk manager, and has helped hundreds of businesses improve their bottom lines by well over $28 Million since 2004.

Turning Premiums Into Profits

As a business owner, or business leader, when you look at the amount of money you have just handed over to the insurance companies and received very little, or nothing in return, and the exhausting amount of time you have spent trying to obtain bids or quotes to reduce the cost of your insurance program, only to fall short of the real results you wanted to occur, how can you not feel frustrated… or like you are going insane? And why do they keep doing the same things year after year when it comes to your insurance programs? After all, isn’t that the very definition of insanity; doing the same thing over and over and expecting a different outcome?


But that high-priced insanity stops here.


In his latest book, David Leng shows you how to break this costly insurance cycle and gain more control over your insurance program while simultaneously building equity that will help you and your business, rather than it being pocketed by the insurance company and its shareholders. You will see how businesses that are paying over $100,000 annually in insurance premium can benefit from Alternative Risk Financing, where a business does not purchase traditional guaranteed cost insurance policies, but instead purchases insurance where they take on some risk to get potential rewards. With a 30-year track record in advising employers on how to save substantial money in their premiums, David spells out clearly and precisely why the use of Captives has become the most popular of the alternative risk financing programs being used today. And why it just might be the solution your company needs to increase both its profitability and its equity.


Turning Premiums Into Profits

Hit #1 Best Seller in Business on Amazon in September 2017

Insured to Fail

Would you bet your entire business on a flip of a coin?


No rational business owners would do so, but statistics show otherwise...


The majority of businesses affected by a significant disaster either never reopen or close within 3-5 years. FEMA states that 40% will fail to reopen from such an event, and 25% will close within one year.


The scariest statistic comes from the

Your fate  could be determined by a flip of a coin!


And the Insurance Institute of Business & Home Safety's statistic does not contemplate natural disasters such as Hurricane Katrina!


When a disaster wipes out your business, will you reopen and survive? You are now most likely thinking, “YES! I have insurance that will pay to replace my building, equipment, inventory, computers, etc...”


But these statistics are showing that you are flipping that coin as these businesses were insured too!


The only reasons for the incredible, scary statistic in which over half of the business will go out of business even though they were insured are:


  1. They did not have a decent plan on how to rebuild, reopen, and regain customers
  2. They could not create a proper program on how to rebuild, reopen, and regain customers
  3. They were not “properly insured” despite buying coverage to pay their significant claim


Why is that?  You will learn directly from 86 Businesses that failed to reopen, or closed within three years.  Also interviewed were almost three dozen businesses that barely survived their catastrophe!  In the book, Insured to Fail, we will explore what you should do to avoid being a statistic yourself.

 Insurance Institute of Business & Home Safety who states that slightly over 25% of insured businesses will not reopen, and another 25% will go out of business within three years.


Insured to Fail

Hit Amazon #1 Business Best Seller List

in June 2021


I found Stop Being Frustrated & Overcharged extremely helpful. It is an easy read that focuses on the key reasons why businesses are overpaying on their workers’ compensation insurance. As Mr. Leng points out, the problem is that business owners do not fully understand all the intricacies of this insurance and need to educate themselves. Do you understand your mod? The importance of and when your modifier calculation is made? If you were an underwriter, how would you judge yourself as a risk? What is your Risk Profile? How is your broker assisting with your claims? These and about a dozen more are the key questions finance professionals should be asking themselves. A must read for all those who pay workers’ comp, as well as the agents and brokers selling this insurance should probably read and learn from this book.

— David Kay, book purchaser posted on

I never thought in a million years I’d be buying a book on insurance. But then again, if you asked me a few years back, I never thought I’d be running a business.

So.. I thought it was time to step-up and stop putting learning more about this important topic.

Once on Amazon, and with only a bit of searching, David’s publication presented itself. The sub-headline is what did it for me so spending the 9.99 was a no-brainer.

I don’t play cards, but the analogy simplified things for me anyways.

Once I finish this book (nearly there) I feel I’ll be able to get better value out of my insurance dealings with which ever broker I decide on.

A must read for any business owner who admits to themselves they’re not an expert on insurance.

Looking forward to David’s next publication[...]

Great work David!

— Andre, book purchaser posted on

Get in Touch



David Leng, CWCA,


724-863-3420 x 3329


John M. Duncan, Jr


724-863-3420 x 3311


Sign up
FREE for our  Workers' Comp Advisory
You’ll receive monthly email strategies and WorkComp updates to help crush and control your WorkComp costs!