It doesn't. You pay only on a percentage of wages. Say you pay your guy $30 an hour, for a measly $10 more he's insured.
Big or small, everyone pays. Why is it harder for the small guy?
If youare not able to insure employees, you should hire sub-contractors.
Look the customer and competition
sets the rates I can't charge ten thousand per tree and get
work here and if it was a measly 10 or even a hundred I would
already have it try 3500.00 minimum and all at once then advertise
and other insurance, fuel,parts,licences,and all the other legal theft
going on with someone trying to make a living!
Mike I have already said how I do it, I use temps and let
the service do the comp but that stinks as I have to use
people that may or may not give a **** and if they let go
of the rope they will need comp.
I get hurt too bad for me I still like working for myself
and I work alone as much as possible to keep costs down
but I could insure a whole family for what the try to hit you
with on comp for a measly 10 grand payout 35 percent!