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Old 03-24-2014, 11:32 PM
MJH MJH is offline
LawnSite Member
Join Date: Dec 2008
Location: Grand Rapids, MI
Posts: 17
Workers Comp

Originally Posted by lego View Post
I saw the workers comp part, as of now I know nothing about workers comp I need to figure that part out.
You need to check into this ASAP. It's not legal to hire employees without it. And you really don't want to risk it for how little they charge. It's around 4% of wages, a little less, for us with our mowing and general landscape guys.

I had a guy cut off a finger, and another guy cut a tendon in his hand. Both of those could have put me out of business and potentially put me in serious financial debt. Even if your guys have health insurance, there health insurance is going to come after you and they will win.

If you are going to skimp on stuff, buy inexpensive used trucks! Don't skimp on general liability and workers comp. They are all cheap insurance to be sure!

By the way, minor injuries or stitches I pay for myself, as a business cost, but I used workers comp for those two huge items.
Efficient Lawn Maintenance LLC
Grandville MI 49418
Since 2004
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