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Is workers comp really this expensive??

Discussion in 'Car Hauler and Auto Carrier Trucking Forum' started by Atlanticus trucking, Jan 10, 2019.

Page 1 of 4
  1. Jan 10, 2019 #1
    Atlanticus trucking

    Atlanticus trucking Light Load Member

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    Got a quote for workers comp for 1 employee @ 50k in NY and it came out to 8800 for the year!? Wtf??

    Does anyone know what state should be used for workers comp? Is it the state your company is registered in? The state your office is in? Also because we travel through states does that effect anything?

    Any info would be appreciated.
     
    Atlanticus trucking, Jan 10, 2019
    Atlanticus trucking, Jan 10, 2019
    #1
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  3. Jan 10, 2019 #2
    wichris

    wichris Road Train Member

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    State your company is registered in.
     
    wichris, Jan 10, 2019
    wichris, Jan 10, 2019
    #2
    rabbiporkchop and Bean Jr. Thank this.
  4. Jan 10, 2019 #4
    kptnt2016

    kptnt2016 Light Load Member

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    Hell yeah it is.

    That's the reason so many companies 1099
     
    kptnt2016, Jan 10, 2019
    kptnt2016, Jan 10, 2019
    #4
    rabbiporkchop Thanks this.
  5. Jan 10, 2019 #4
    Midwest Trucker

    Midwest Trucker Road Train Member

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    If I recall correctly it’s around 8% for an OTR driver in my state. In the first few years your forced to use the state mandated companies and then you can shop it out. Shopped out around 6%.

    That seems awful high but nothing would surprise me in NY.
     
    Midwest Trucker, Jan 10, 2019
    Midwest Trucker, Jan 10, 2019
    #4
  7. Jan 10, 2019 #5
    Gdog66223

    Gdog66223 Road Train Member

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    1099 is your friend... hire a sub of a sub of a sub
     
    Gdog66223, Jan 10, 2019
    Gdog66223, Jan 10, 2019
    #5
  8. Jan 10, 2019 #6
    dynamite

    dynamite Light Load Member

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    Wisconsin
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    dynamite, Jan 10, 2019
    dynamite, Jan 10, 2019
    #6
  9. Jan 11, 2019 #7
    Hulld

    Hulld Road Train Member

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    Upstate NY
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    If you got a quote with an independent insurance co. the premium will be higher.
    You should get a quote from the NYS insurance fund which is compensation insurance run by the state.
     
    Hulld, Jan 11, 2019
    Hulld, Jan 11, 2019
    #7
    brian991219 Thanks this.
  10. Jan 11, 2019 #8
    Atlanticus trucking

    Atlanticus trucking Light Load Member

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    I went with an independent insurance company who quoted me NYS insurance fund. At least thats how it was spun to me. I’m sure they are trying to get me so i gotta shop around and see how to go to NYS directly.
     
    Atlanticus trucking, Jan 11, 2019
    Atlanticus trucking, Jan 11, 2019
    #8
  11. Jan 11, 2019 #9
    Ziggy319

    Ziggy319 Medium Load Member

    540
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    Mar 27, 2012
    Syracuse,ny
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    NY charges between 16 and 26%
    Also make sure you get it in writing that it will cover your drivers. I know for a fact it does not cover out of NY employees properly.
     
    Ziggy319, Jan 11, 2019
    Ziggy319, Jan 11, 2019
    #9
    brian991219 and KANSAS TRANSIT Thank this.
  12. Jan 11, 2019 #10
    Atlanticus trucking

    Atlanticus trucking Light Load Member

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    Jun 22, 2018
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    My employee technically lives in Florida, but is working up here. Is that what you mean might be an issue?
     
    Atlanticus trucking, Jan 11, 2019
    Atlanticus trucking, Jan 11, 2019
    #10
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