Worker's comp, (if you call it workmens comp in front of a radical feminist, Homer, look out!) is a policy whose coverage and rates vary by state. The coverage amounts are set by each state, and rates are basically set by state history- experience of insurers within each state over last few years. <p>You should get the same quote for coverage from each insurer you ask. But this insurer's rate for the state next to you may be radically different. Lazer is in MI @ 1.92/$100, for us in IN, it's now 2.63/$100. Expense constants, membership fees, minimums, and other items are state - not company - specific.<p>What you have to be most careful of is what
category you are placed in. This has the greatest effect on rate. When we first started workers comp, the underwriter insisted on putting us in same category as tree service, one of the highest rates. Argued for a year & 1/2, finally got right category and large refund. I believe the category code number is still universal, but the category name may vary. In IN, code# is 9102, "Lawn maintenance, commercial or domestic & drivers".<p>Really sounds like Millertime is in wrong category. But if you do tree work, that is charged at a higher rate - different category #.<p>----------<br>Jim<br>North central Indiana<p><br>
