The Roof Cleaning Institute Of America Training & Certification Forum
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Hey guys again my wife can write these policies for you with no money out of pocket it is attached to your weekly payroll. No payroll no policy premium for that week next week you run a payroll it is included with the payroll. You will never have a aduit it doesn't get any better than this. It is also the best time of the year to get setup start new Jan 1.......... PM or call if you have any questions about comp and payroll.

Not much I can add to this discussion. I will say this.... This topic is a good reason for using a payroll company for your payroll. We have different pay rates/types. When we call in our hours, we state xx hours for normal washing and xx hours for roof cleaning. These have different WC rates. Step on a roof or that ladder and the rates are higher. To save money, you need that paper trail of hours on ladder/roof versus ground guys, office help etc. That third party payroll helps aid in this. So during audits, you aren't stuck paying the high roof rate all across the entire payroll. The girl in the office is 1.5% while the guy watering is 4-5% and the time on roof is hit at 30+%.

The WC that Brians wife is likely a good option because it will be determined on ACTUAL payroll needs. It just needs to be set up with Payroll to have different pay structures set within your payroll. As simple as having seperate rates for straight time, overtime, holiday time, roof time, ground time, office work etc... Good records help with your in house operations too. Helps you to be able to see where money is going. Without the recods, you could pay the higher premium across the entire staff.


All that said, remember threads like this and $$$ coming out of your pocket when you go to the polls and vote. Be sure you are voting for folks that want to look out for businesses and not bums that "might" get hurt while working for you. WC is simply another TAX on businesses to take from the successful to give to the not so successful. We pay for years while someone else claims the payout.




-- Edited by KY Roof Cleaning on Saturday 18th of December 2010 06:52:41 AM

Brian correct me if i am wrong but here in Ohio we have to purchase it through the Ohio Workers compensation burea.  We can't just buy it through an insurance company. 

We have it and it is expensive. If you ever have to use it it will probably raise your premium considerably. You will need it in order to bid any government job, and most commercial jobs. It is an important step for MD companies that want government bids from DC. I really hope we get to clean the EPA one day, it's a filthy and beautiful stone building.

Danny and Mike,

You missed all of our great weathr last night. We carry work comp

Why wouldnt you cover your employee for wc. If he gets hurt no income for his family. Plus med care.

You leave the door open to be sued,

I have paycheck which is good.