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Workmen's Compensation

Discussion in 'Starting a Lawn Care Business' started by Cuttingedgeny, Jan 23, 2010.

  1. Cuttingedgeny

    Cuttingedgeny LawnSite Member
    Messages: 3

    Hey, I'm pretty new to this site, but from what I see it has a bunch of great info from alot of great people. My question was who do you guys use for your workmen's comp and what do you pay. I'm looking to get into more commercial, and I know I need it to continue. My company has only 1or 2 employee's besides me. Thanks for the help

    Ken Orefice
    Cutting Edge Lawn Service
  2. SangerLawn

    SangerLawn LawnSite Senior Member
    from indiana
    Messages: 736

    I believe it is called star insurance. It’s a company state farm in our area uses. We use state farm for everything and they directed us to star….cant remember prices though…sorry

    Contact state farm and they should be able to give you more info.
  3. vanncann

    vanncann LawnSite Senior Member
    Messages: 481

    Got mine through local insurance agent for about $750 a year.
  4. AzLawnMan

    AzLawnMan LawnSite Senior Member
    Messages: 409

    Most workmans comp is based off your payroll, and what type of services you provide. If you do tree work and have a chipper, it goes way up. But if your just landscape maint. then you should be able to get it for around $100 a month. I pay for more coverage accross the board, I pay $825 a month for my Bond, full auto on 7 trucks, and workmans comp. I was with state farm and paying $1k a month. I use Secura Insurance here in Az and I get double the coverage I had with AM FAM for less money. So shop around. Do what customers do to us, get several bids and compare them on paper and ask lots of questions.
  5. elite lawns

    elite lawns LawnSite Senior Member
    Messages: 363

    We pay 7.16 for every $100 here in oklahoma. The company is comp source
  6. Cuttingedgeny

    Cuttingedgeny LawnSite Member
    Messages: 3

    wow, ok great thanks guys. Seems like I have a bunch of calls to make. But this stuff is so expensive..
  7. AzLawnMan

    AzLawnMan LawnSite Senior Member
    Messages: 409

    It is expensive, but how expensive do you think it would be if one of your guys gets hurt with a major injury? Before I bought the company my dad ran it without work comp for many years, he always said it kepted him up at night. I didnt want that, so its the first thing I did. Also any major Property Mang. Company will require you to have it. So if you eventually want commercial jobs, just bite the bullet and get it.
  8. SangerLawn

    SangerLawn LawnSite Senior Member
    from indiana
    Messages: 736

    No joke…..had a guy last year slide down a hill and his foot went into a mower shoot….thank goodness the mower operator was paying attention and shut the mower down with no major injury. If that guy would have lost his foot and I didn’t have workman’s comp and insurance…..i would have lost my house and everything else
  9. AdamChrap

    AdamChrap LawnSite Senior Member
    Messages: 935

    Listen to these guys, this is not a place to cut cost.
  10. hackitdown

    hackitdown LawnSite Silver Member
    Messages: 2,631

    If you use their payroll service, both ADP and Paychex can set you up with comp, and they handle paying the insurance co. They base the comp fees on payroll anyway, so it makes sense. It is pretty easy.

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