Workman's Comp Insurance

[scott_san_diego]

Does anyone have a good source/company for Workman's comp insurance.  My current policy is coming up for renewal, want to see if someone might have a better rate.  I am located in California.

Thanks Scott

[JuneC]

I don't have a policy.  In Florida it isn't required unless you have 3 or more employees.

June

[kodydog]

I was going to say I've never bought it. I think most folks here are one man or mom and pop shops. My employes have always been part time and the states I've lived in don't require it. Yet.

[Mike8560]

No employees

[scott_san_diego]

In California you are required to have it.  It is very expensive.  It is based on your payroll.  You pay so much per $100 of payroll. 
In my case I have two employees.  I used to classify them both under Upholsterer.  But I just found out that the rate for a seamstress is cheaper than for the upholsterer.  Just switched to Farmers for my Workman's comp Insurance.  They were about $1,100 cheaper than what I was paying with my other company.

[byhammerandhand]

No employees here either.   In Ohio a few years ago, the workmen's comp fund got invested in some shady "coin" deals.   My daughter's father-in-law operates a bakery and their rates went way up following that.