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  #11  
Old 04-09-2013, 11:09 PM
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Snyder's Lawn Inc Snyder's Lawn Inc is offline
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Location: Kirksville Mo
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Originally Posted by grassmasterswilson View Post
I also did the Hartford. My price was 2400 annually for me and 1 guy but its based in wages paid and not number of employees
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Yep same here I got refund for last year since the payroll was less due to the drought got 1400 back but I'll stick that away it will go back up after next Audit
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  #12  
Old 04-09-2013, 11:11 PM
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SRT8 SRT8 is offline
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I pay almost 11% , and i have on average 25 employees. Workers comp shouldnt be bad at all if you are accounting for it when estimating jobs.
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  #13  
Old 04-10-2013, 07:17 AM
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turf hokie turf hokie is offline
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Join Date: Oct 2003
Location: Metro NY
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Originally Posted by birddseedd View Post
I think you have a higher cost of living tho. I think Michigan is a bit lower than most. like Cali. a 20 dollar know is 50 in cali
It is painfully higher, but it hurts even more when the guy next door in CT is paying 1/2 my rate....

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Originally Posted by SRT8 View Post
I pay almost 11% , and i have on average 25 employees. Workers comp shouldnt be bad at all if you are accounting for it when estimating jobs.
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I agree, it is part of doing business, it is figured in to our labor burden (among other things that labor is associated with) so it will be accounted for when we do costing.
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  #14  
Old 04-10-2013, 03:40 PM
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jrs.landscaping jrs.landscaping is online now
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Originally Posted by birddseedd View Post
Gonna cost me 750 bucks up front to cover 5 employees i dont actualy have and not cover myself....
Why do you need WC if you are exempt and have no employees?
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  #15  
Old 04-10-2013, 04:22 PM
birddseedd birddseedd is offline
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Location: Kalamazoo MI
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doing a bid for a corporate account that requires it. they also require doubling my liabilitity. thankfully thats only a 15 dollar difference
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  #16  
Old 05-16-2013, 09:29 PM
G-Chop G-Chop is offline
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Join Date: Nov 2008
Location: New York
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What companies are you all using for worker's comp? I just got 2 bids and they were at 35%. I tried Hartford and our state fund. Everything I researched showed I should be paying around 10%. Any help would be appreciated!
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  #17  
Old 05-16-2013, 09:33 PM
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jrs.landscaping jrs.landscaping is online now
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Ours is through Paychex.
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  #18  
Old 05-16-2013, 10:18 PM
32vld 32vld is offline
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Join Date: Feb 2011
Location: LI NY
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Originally Posted by jrs.landscaping View Post
Why do you need WC if you are exempt and have no employees?
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Originally Posted by birddseedd View Post
doing a bid for a corporate account that requires it. they also require doubling my liabilitity. thankfully thats only a 15 dollar difference
I would submit the bid with the explanation that being you are legally operating exempt by state laws that you will not incur the expense for WC just to submit a bid. However if they are to grant you the bid you will gladly meet their requirement to have WC and incur the expense as part of servicing their account.
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  #19  
Old 05-16-2013, 10:46 PM
birddseedd birddseedd is offline
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i must have said that wrong. they did not want me to have it just to do the bid. but if the bid was accepted, which it was not, i would then have to get it.
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wait why do you prefer Scag? I thought you owned a Bobcat that mowed the first American Colonies
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  #20  
Old 05-16-2013, 11:47 PM
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Kelly's Landscaping Kelly's Landscaping is offline
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Join Date: Dec 2003
Location: Milford CT
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Originally Posted by G-Chop View Post
What companies are you all using for worker's comp? I just got 2 bids and they were at 35%. I tried Hartford and our state fund. Everything I researched showed I should be paying around 10%. Any help would be appreciated!
Sounds like you classified them as landscaping. The quotes I was getting at first was because I miss classified my guys with that. We seldom if ever plant anything or do hardscaping. We are a lawncare company and the rates for mowing are much lower then the rates for a company that uses skid steers and plants trees and such.
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