Hello all, I was wondering if anyone out there had a way of getting around the high costs of employees and insurance? The things you need but eat away a huge piece of your profits! I know I need them both and by no means am I trying to say I would do without either one of them, but my question is, how the big groups do it? Any sugguestions? I know the large groups probably self insure (like Brickman, TruGreen, etc.) but is there any way to help the lower the costs for us small guys? I'm getting eaten up with paying out high insurance rates (even though I have NO claims EVER!) and the payroll expenses with employees (workman comp, etc). Do any of you guys "sub-contract" your employees? If so how do you do it and get away with it? It seems pretty risky to me. Just looking for some advice. Anything and everything will be greatly appreciated. Thanks!