workman's comp ins sucks

Discussion in 'Business Operations' started by birddseedd, Apr 9, 2013.

  1. Snyder's Lawn Inc

    Snyder's Lawn Inc LawnSite Platinum Member
    Posts: 4,541

    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
     
  2. SRT8

    SRT8 LawnSite Bronze Member
    from CA
    Posts: 1,292

    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.
    Posted via Mobile Device
     
  3. turf hokie

    turf hokie LawnSite Silver Member
    Posts: 2,744

    It is painfully higher, but it hurts even more when the guy next door in CT is paying 1/2 my rate....

    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.
     
  4. jrs.landscaping

    jrs.landscaping LawnSite Silver Member
    from Maine
    Posts: 2,716

    Why do you need WC if you are exempt and have no employees?
     
  5. birddseedd

    birddseedd LawnSite Silver Member
    Posts: 2,114

    doing a bid for a corporate account that requires it. they also require doubling my liabilitity. thankfully thats only a 15 dollar difference
     
  6. G-Chop

    G-Chop LawnSite Member
    Posts: 14

    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!
     
  7. jrs.landscaping

    jrs.landscaping LawnSite Silver Member
    from Maine
    Posts: 2,716

    Ours is through Paychex.
     
  8. 32vld

    32vld LawnSite Gold Member
    Posts: 3,984

    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.
     
  9. birddseedd

    birddseedd LawnSite Silver Member
    Posts: 2,114

    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.
     
  10. Kelly's Landscaping

    Kelly's Landscaping LawnSite Platinum Member
    Posts: 4,316

    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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