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workers comp

Discussion in 'Business Operations' started by corey4671, Mar 7, 2007.

  1. corey4671

    corey4671 LawnSite Silver Member
    Posts: 2,931

    looking for advice here. I am solo. never had employees. don't even have helpers. I am just a solo kind of guy. I work by myself. there is a commercial property up for bids here and one of the requirements is workers comp. if I don't have employees, why do I need to carry WC? I have liability for obvious reasons. Is it even worth going out to get WC for this ONE property?
  2. nick-bigfootlawn

    nick-bigfootlawn LawnSite Member
    Posts: 106

    Get it anyway, here in Ohio, if you don't have employees, or very few it's $20 per year.
  3. sam c

    sam c LawnSite Member
    Posts: 55

    Ask your ins. agent about an "if any" policy, that whats they call it around here anyway. It's basically a policy you don't use, and you get back a good part of the premium. If you do claim any employees, you pay on a % of payroll. Thats what I have done. Good Luck
  4. Tahoe1889

    Tahoe1889 LawnSite Member
    Posts: 125

    In the great State of NJ its $1000 and I can't collect on it. If I wanna collect its Triple or More. But it should be hard to asked your agent what it will cost you
  5. landscapingpoolguy

    landscapingpoolguy LawnSite Senior Member
    Posts: 819

    My workmans comp was almost $3500 just for me
  6. corey4671

    corey4671 LawnSite Silver Member
    Posts: 2,931

    Bump...anybody else wanna chime in? Don't be shy. I don't bite! Just looking for opinions here and HOPEFULLY some facts. Thanks for the posts so far guys. Don't stop now!
  7. rodfather

    rodfather LawnSite Fanatic
    Posts: 9,501

    How in the hell can that be? You are getting ripped off. I paid roughly that much for all my employees last year.
  8. Tahoe1889

    Tahoe1889 LawnSite Member
    Posts: 125

    He must be able to collect on it if he gets hurt. Thats how much I was quoted with only $25K payroll. So I elected to not be able to collect on the policy. It's just there for looks. I have learned though if you have had workmans comp for a couple of years shop around for a new quote the rate will go down.
  9. bigjeeping

    bigjeeping LawnSite Senior Member
    Posts: 903

    I was just shopping around for cheaper rates.. the cheapest I could find was $5.70 per $100. Anybody cheaper????
  10. rodfather

    rodfather LawnSite Fanatic
    Posts: 9,501

    We pay $4.29 per $100

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