Workers comp

[Philbert]

Slight correction: rates are set by the schmucks who don't follow safety protocol and the rest of us are stuck paying for their stupidity.

Actually, it is everyone. The guys who follow all the protocols can still get hurt. The schmucks, as noted. The cheats who fake injuries and cheat the system. And the jerks who don't care about their employees, and shrug, "That's what I have insurance for!". You all are in the same 'pool'.

If your state allows experience modifications, a company can reduce their rates after about 4 years of work experience.

Philbert

 

[KenJax Tree]

The guys on ladders with Wild Things set the prices.

 

[ATH]

Actually, it is everyone. The guys who follow all the protocols can still get hurt. The schmucks, as noted. The cheats ....
Philbert

Agreed - accidents do happen. That is why even office workers are covered by worker's comp. But you have a pretty good list there of folks who really screw things up!

 

[Ikeholt]

Hey Philbert, you might want to look into that paying Workmen Comp as an owner. Friend of mine is a land surveyor, sole employee, paid WC thinking it was the right thing to do. They took his money without compliant for years. Then he filed a claim, they told him WC is only to protect employees. He said he was an employee of his own company. That didn't work either, they claim there is too much fraud with an owner filing a claim.

 

[Philbert]

That's when you need a lawyer . . .

Philbert