Jeff_Cochran
New member
- Location
- Memphis TN
thanks in advance
I need a new insurance provider recommendations?
- Thread starter Jeff_Cochran
- Start date
marlinspiker
Participating member
- Location
- Pennsyltucky
I've heard good things about farm family. we are getting a quote from them now. Arbormax is way too pricey.
- Location
- under grace
I felt that Farm Family was AWESOME when i first went w them...I have had 0 loss runs..their prices went waaaay up..
marlinspiker
Participating member
- Location
- Pennsyltucky
Paul if you don't mind me asking what do you pay monthly for GL and what is your comp rate?
marlinspiker
Participating member
- Location
- Pennsyltucky
i figure we would be in a similar demographic although i have heard rates are higher in Jersey.
- Location
- Colorado\'s foothills
Arbormax was the cheapest for us, at least for the last 2yrs. We'll renew in April and they've already been saying rates could climb on the comp side.
Do you guys classify your work hours for comp? As in seperating out what work you're doing when by payroll hours.
Do you guys classify your work hours for comp? As in seperating out what work you're doing when by payroll hours.
treehumper
Carpal tunnel level member
- Location
- Ridgefield, NJ
Rates climbing, hmmmm.... Could this have something to do with the accident rate in our industry? This is the proverbial chicken coming home to roost.
How much longer do we go on like this but not having the willingness to police our own. They do something dumb, we pay...
How much longer do we go on like this but not having the willingness to police our own. They do something dumb, we pay...
marlinspiker
Participating member
- Location
- Pennsyltucky
[ QUOTE ]
Arbormax was the cheapest for us, at least for the last 2yrs. We'll renew in April and they've already been saying rates could climb on the comp side.
Do you guys classify your work hours for comp? As in seperating out what work you're doing when by payroll hours.
[/ QUOTE ]
Yes we pay three different rates,
Admin, Landscaping, Tree work
Arbormax was the cheapest for us, at least for the last 2yrs. We'll renew in April and they've already been saying rates could climb on the comp side.
Do you guys classify your work hours for comp? As in seperating out what work you're doing when by payroll hours.
[/ QUOTE ]
Yes we pay three different rates,
Admin, Landscaping, Tree work
- Location
- Colorado\'s foothills
No PHC- spraying category?
They've (numerous providers) have tried to get us to say we're logging. Due to the fires here we do lots of thinning of small dense stands. That category is about 30% more. Climbing, repairing & pruning vs. logging (cutting at base). Many of us don't know you can break out your high rate parts of arboriculture/ urban forestry. Or don't have a good agent!
They've (numerous providers) have tried to get us to say we're logging. Due to the fires here we do lots of thinning of small dense stands. That category is about 30% more. Climbing, repairing & pruning vs. logging (cutting at base). Many of us don't know you can break out your high rate parts of arboriculture/ urban forestry. Or don't have a good agent!
- Location
- Colorado\'s foothills
[ QUOTE ]
Rates climbing, hmmmm.... Could this have something to do with the accident rate in our industry? This is the proverbial chicken coming home to roost.
How much longer do we go on like this but not having the willingness to police our own. They do something dumb, we pay...
[/ QUOTE ]
This is one of the reasons the other trades have gone to subcontractors. Then it's an individual guy instead of company mod rate.
Rates climbing, hmmmm.... Could this have something to do with the accident rate in our industry? This is the proverbial chicken coming home to roost.
How much longer do we go on like this but not having the willingness to police our own. They do something dumb, we pay...
[/ QUOTE ]
This is one of the reasons the other trades have gone to subcontractors. Then it's an individual guy instead of company mod rate.
marlinspiker
Participating member
- Location
- Pennsyltucky
Our landscaping rate covers phc
treehumper
Carpal tunnel level member
- Location
- Ridgefield, NJ
Our industry rates are moving higher whether for an individual or company. These rates are determined by the use of statistical analysis of the industries performance as it relates to workers comp or GL. The mod rate only adjusts that rate for the company based on its own record. Subcontracting is just a means of moving the payroll burden to the individual. That can be a dangerous game if by IRS standards the individual is deemed to be in essence an employee and not a contractor.
That's a whole other discussion.
That's a whole other discussion.
Jeff_Cochran
New member
- Location
- Memphis TN
[ QUOTE ]
[ QUOTE ]
Arbormax was the cheapest for us, at least for the last 2yrs. We'll renew in April and they've already been saying rates could climb on the comp side.
Do you guys classify your work hours for comp? As in seperating out what work you're doing when by payroll hours.
[/ QUOTE ]
Yes we pay three different rates,
Admin, Landscaping, Tree work
[/ QUOTE ]
in tennessee we have one pay code that covers all aspects of tree care except admin. 0106 i don't know but is this the same as all of the us? if it is then when do you use the landscape code?
[ QUOTE ]
Arbormax was the cheapest for us, at least for the last 2yrs. We'll renew in April and they've already been saying rates could climb on the comp side.
Do you guys classify your work hours for comp? As in seperating out what work you're doing when by payroll hours.
[/ QUOTE ]
Yes we pay three different rates,
Admin, Landscaping, Tree work
[/ QUOTE ]
in tennessee we have one pay code that covers all aspects of tree care except admin. 0106 i don't know but is this the same as all of the us? if it is then when do you use the landscape code?
Jeff_Cochran
New member
- Location
- Memphis TN
[ QUOTE ]
Our industry rates are moving higher whether for an individual or company. These rates are determined by the use of statistical analysis of the industries performance as it relates to workers comp or GL. The mod rate only adjusts that rate for the company based on its own record. Subcontracting is just a means of moving the payroll burden to the individual. That can be a dangerous game if by IRS standards the individual is deemed to be in essence an employee and not a contractor.
That's a whole other discussion.
[/ QUOTE ]
You can be a contractor that works for the same company everyday. they do it everyday in the IT field
Our industry rates are moving higher whether for an individual or company. These rates are determined by the use of statistical analysis of the industries performance as it relates to workers comp or GL. The mod rate only adjusts that rate for the company based on its own record. Subcontracting is just a means of moving the payroll burden to the individual. That can be a dangerous game if by IRS standards the individual is deemed to be in essence an employee and not a contractor.
That's a whole other discussion.
[/ QUOTE ]
You can be a contractor that works for the same company everyday. they do it everyday in the IT field
Jeff_Cochran
New member
- Location
- Memphis TN
my father in law has been doing it for the post office for 21 years
treehumper
Carpal tunnel level member
- Location
- Ridgefield, NJ
- Location
- Colorado\'s foothills
[/ QUOTE ]
in tennessee we have one pay code that covers all aspects of tree care except admin. 0106 i don't know but is this the same as all of the us? if it is then when do you use the landscape code?
[/ QUOTE ]
We utilize the landscape code for any work not involving repairing (climbing, rigging, LPS install, cable/brace), spraying & pruning (code 0106).
For example: 5507- Stump grinding
Each one carries its own cost per $100 payroll. I believe it's done by state but, same codes for all.
Here is a list of codes:
http://www.workerscompensationshop.com/workers_compensation_class_codes_numeric.htm
in tennessee we have one pay code that covers all aspects of tree care except admin. 0106 i don't know but is this the same as all of the us? if it is then when do you use the landscape code?
[/ QUOTE ]
We utilize the landscape code for any work not involving repairing (climbing, rigging, LPS install, cable/brace), spraying & pruning (code 0106).
For example: 5507- Stump grinding
Each one carries its own cost per $100 payroll. I believe it's done by state but, same codes for all.
Here is a list of codes:
http://www.workerscompensationshop.com/workers_compensation_class_codes_numeric.htm
- Location
- Colorado\'s foothills
[ QUOTE ]
Our industry rates are moving higher whether for an individual or company. These rates are determined by the use of statistical analysis of the industries performance as it relates to workers comp or GL. The mod rate only adjusts that rate for the company based on its own record. Subcontracting is just a means of moving the payroll burden to the individual. That can be a dangerous game if by IRS standards the individual is deemed to be in essence an employee and not a contractor.
That's a whole other discussion.
[/ QUOTE ]
Mod rate- I agree, one could argue that an individual will maintain a lower mod. Because that individual would be a company and: "corporations are people my friend"- sorry to get all Mitty on ya.
Payroll burden- Help me understand what you mean?
There's got to be an advantage (likely to the company) or the big homebuilding companies wouldn't do it.
Our industry rates are moving higher whether for an individual or company. These rates are determined by the use of statistical analysis of the industries performance as it relates to workers comp or GL. The mod rate only adjusts that rate for the company based on its own record. Subcontracting is just a means of moving the payroll burden to the individual. That can be a dangerous game if by IRS standards the individual is deemed to be in essence an employee and not a contractor.
That's a whole other discussion.
[/ QUOTE ]
Mod rate- I agree, one could argue that an individual will maintain a lower mod. Because that individual would be a company and: "corporations are people my friend"- sorry to get all Mitty on ya.
Payroll burden- Help me understand what you mean?
There's got to be an advantage (likely to the company) or the big homebuilding companies wouldn't do it.
treehumper
Carpal tunnel level member
- Location
- Ridgefield, NJ
Payroll burden is the costs of employer contributions to UI, SS and WC, etc... on top of wages and benefits
Contracting, it gives them flexibility since they don't have to fire someone. Plus, they usually pay less to a contractor then it would cost to have an employee. They can circumvent unions and all sorts of fun stuff. Oh yes, big benefits for corps otherwise it wouldn't be so prevalent.
Contracting, it gives them flexibility since they don't have to fire someone. Plus, they usually pay less to a contractor then it would cost to have an employee. They can circumvent unions and all sorts of fun stuff. Oh yes, big benefits for corps otherwise it wouldn't be so prevalent.
- Location
- Colorado\'s foothills
As to WC: has anyone ever looked into (in our industry) what claim/injury rate is for small companies vs. the big guys?
I wonder if the increase in accident rate and the consequential increase in WC rate is more a result of the lack of oversight, & training at the big tree co's. We all pay the same base rate. I am often surprised at how many bad habits I see from guys with 2-5 years experience from these big tree co's. These guys don't know, and haven't ever been told, what they are doing is dangerous.
I wonder if the increase in accident rate and the consequential increase in WC rate is more a result of the lack of oversight, & training at the big tree co's. We all pay the same base rate. I am often surprised at how many bad habits I see from guys with 2-5 years experience from these big tree co's. These guys don't know, and haven't ever been told, what they are doing is dangerous.
