Do you have a minimum (annual) payment on your Workers comp? I have had employees in the the past, (not in LCO) and did not pay a minimum. I am looking at a large contract that will call for me to hire this summer. My Insurance man tells me theres a minimum now. And I could not believe the amount he told me. Been solo LCO from the beginning and i may just stay that way and not go after this work. I don't need the head ace.