Employee (23 yr old ex-college wrestler) was working by himself and got dehydrated and heat exhaustion, throwing up super hot. He looked horrible. He said he was drinking but didn't take a lunch. I sent him to a medical center and he was given two i-vies. Felt great immediately. So I called the center and asked how much $328 for everything. So then I had to figure which was the better for the company pay it out of pocket or let worker's comp cover it and the rate goes up (i thought I would be paying double for years to come). Called workers' comp and actually talked to the underwriter and she said the loss ratio was on abou 35% ( total premium $1000) and that my rates would not go up. She also said that rates aren't looked at until you become unprofitable. SO make sure you have worker's comp!