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View Full Version : Workers Comp Ins Rates


J&R
09-22-2004, 10:25 PM
What is the % rate per 100.00 in your state. My Ins keeps going up and never a claim in 20 years. This year its 7.61%.

Lawn-Scapes
09-23-2004, 12:02 AM
Mine is lower than that..

I believe the rate goes up based on the industry as a whole..

Soupy
09-23-2004, 01:04 AM
Our is $5.01 per $100. Illinois

grshppr
09-23-2004, 01:50 AM
I'm only paying 2.78% here in BC

rodfather
09-23-2004, 06:05 AM
3.39 per 100...that is because my company falls under the heading of "mowing contractor", not "landscaper". There is a difference. Reason being insurance companies assume that as a landscaper, you're operating backhoes, skid steers, chain saws, stump grinders, etc., vs. mowers and trimmers.

Contact your insurance agent to see if you can receive the lower rate. I did and saved a ton.

SWD
09-23-2004, 07:06 AM
Mine is right around 4% as we too are considered mowing contractors. However, I have to provide a seperate accounting for payroll when we provide tree trimming services as our rate then jumps to 107%.
I have never had a claim, in fact, never had an injury. Yet, this next year, 05, my rates are going up to 6% and 125% respectively.

J&R
09-25-2004, 06:57 PM
I being this back up. With just 5 replys How many LCOs don't have Workers Comp Insurance.

rodfather
09-25-2004, 07:30 PM
Well, it's like this J&R most here on LS don't have employees, hence, they don't need WC. On top of that, I would bet the farm and give ya real good odds most don't carry any insurance either...

Lux Lawn
09-25-2004, 10:16 PM
I think I am around 5% but I am going to check on the advice Rodfather gave and see how we are listed.I have 2 employees and myself my accountant mentioned to me that if I was listed as "sales" it would go down not really sure how it all works.

olderthandirt
09-25-2004, 10:27 PM
13% landscaper listed. And yes Rod I have ins, so if ya want to come to Ohio I'll run your azz over and we can see if its any good :rolleyes:

Mac

alpine692003
09-25-2004, 10:28 PM
I think ours in Van, BC is 3% per 100

wriken
09-25-2004, 10:53 PM
I pay 4.19 on the hundred

odin
09-25-2004, 11:59 PM
7 on a hundred for worker comp and a flat fee for liability

Randy Scott
09-26-2004, 10:49 AM
$11.09 per every hundred of payroll in Wisconsin. State law to carry it on one or more employees. I'm sure there are plenty here that don't have it. Pay their friends or family members cash or whatever. F them, they'll get their just reward eventually.

KenH
09-26-2004, 05:09 PM
I think Im 9 in CT.......

mmacsek
09-28-2004, 09:42 PM
9.11 per $100.00. I have seasonal employees and have to buy it thru the state. This is my first year with employee(s). I am fully insured. Matt

twins_lawn_care
09-29-2004, 10:50 AM
Lots of solo guys on this site, like myself, so I have no input on the workman's comp. Liability though runs me $383 a year 500/1mil.