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Workers comp info

Discussion in 'Florida Lawn Care Forum' started by mjlcare2, Aug 14, 2012.

  1. mjlcare2

    mjlcare2 LawnSite Member
    Posts: 200

    Anybody care to share who they use for workers comp and their current rates for class code 0042 and 9102.. Just got my yearly audit back and they raised my rates a by 43% for what I consider to be a small increase in payroll. All in all they are busting my balls and its getting ridiculous.
     
  2. Duekster

    Duekster LawnSite Fanatic
    from DFW, TX
    Posts: 7,961

    The cost is based on payroll. Did the percentage per 100 go up or just the wages?

    So if you had 2 guys and hired 1 that is 33% but you could be playing catch up too.
     
  3. mjlcare2

    mjlcare2 LawnSite Member
    Posts: 200

    lol I understand how workers comp works.. the percentage per 100 went up I am guessing.. they did not specify on the new bill why it was raised.. the wages(not # of employees) did increase but it was not a significant amount to justify such a significant increase. overall I'm just unhappy with the company and searching for a new one with more competitive rates.
     
  4. Duekster

    Duekster LawnSite Fanatic
    from DFW, TX
    Posts: 7,961

    They should send you an audit letter explaining the changes.

    I had one company they kept getting some charges on my bill., I would get it off and it would show back up. I finally switched, gave them grief and got almost 800 back. You really need to know your rates and what the surcharges are.
     
  5. mjlcare2

    mjlcare2 LawnSite Member
    Posts: 200

    trying to get that kind of info from them let alone trying to PAY them is a headache.. hence the change. I had the rates before receiving the last bill. Seems they forgot to send the audit letter.. their billing is also sporadic. FirstComp supposed to be a reputable large company. I've had them for years and just dealt with it but enough is enough.. soo.. care to share who you use?
     
  6. Duekster

    Duekster LawnSite Fanatic
    from DFW, TX
    Posts: 7,961

    American First is the underwriter and they used some smaller ( owned ) company to get an even lower rate. I pushed on my agent to get me a better deal.
    I am thinking right now I am running .45 on WC and .55 on GL but that is TX
     
  7. keithslawnc

    keithslawnc LawnSite Member
    Posts: 207

    I have a policy through FUBA(Florida Citrus Brokers Ass.) they seem to be fair. Got the policy through Nationwide.
     
  8. RoyalTree

    RoyalTree LawnSite Member
    Posts: 156

    I just got a renewal letter from my company and they raised the price. I have called for an explanation but have yet to receive one. I dont know if they changed my codes, rates or payroll. I have ascendant insurance. Never had any issues with them before.
    Posted via Mobile Device
     
  9. zturncutter

    zturncutter LawnSite Bronze Member
    Posts: 1,308

    Last edited: Aug 15, 2012
  10. mjlcare2

    mjlcare2 LawnSite Member
    Posts: 200

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