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  #1  
Old 03-26-2012, 03:11 PM
Ghopper3345 Ghopper3345 is offline
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Join Date: Feb 2012
Location: Nj
Posts: 92
Insurance Prices Skyrocketing

[FONT="Times New Roman"]Looking for some help! We are a small chemical applicator/ landscaping company in NJ and what we are currently paying for the following types of insurance seems excessive:

-General Liability and Commercial Automobile
-Workers Compensation
-Health Insurance
-Dental Insurance
-Vision Insurance

Does anyone have a good track record with a certain company, agent or any tips or tricks that might help me cut costs without sacrificing coverage?

Any help or ideas would be much appreciated! Thanks!
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  #2  
Old 03-26-2012, 03:19 PM
grandview (2006)'s Avatar
grandview (2006) grandview (2006) is offline
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Can't have it both ways,do your employees pay into the health plan?
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Old 03-26-2012, 03:28 PM
Ghopper3345 Ghopper3345 is offline
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Join Date: Feb 2012
Location: Nj
Posts: 92
We now only have 3 employees, only 2 are on the health insurance which we pay 100% and if anyone elects for dental or eye insurance they pay 100%.

I know you get what you pay for, I just want to make sure we aren't overpaying!

Thanks!
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  #4  
Old 03-26-2012, 03:38 PM
grandview (2006)'s Avatar
grandview (2006) grandview (2006) is offline
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By you paying 100% you are over paying. See what can be done about employees picking up part of the monthly premium. And you might have to wait till open enrollment to change over to a different company in Oct.
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  #5  
Old 03-27-2012, 05:29 AM
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grass disaster grass disaster is offline
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Join Date: Nov 2004
Location: sunny minnesota
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I don't but insurance. I'm self insured. Insurance is overrated.
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  #6  
Old 03-27-2012, 06:00 AM
grandview (2006)'s Avatar
grandview (2006) grandview (2006) is offline
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Wait till you get older.
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