I’m a Mechanical Contractor. The insurance (WC/Liability) can be quite cumbersome if you don’t shop around. The matching taxes and additional 5.4% State Uninsurance Fund kills you each quarter in my state. Right now I have no employees. If a large job comes up, I’ll let a Subcontractor deal with the payroll. It’s almost impossible, really!
We build and race cars. No insurance company will touch us for WC. We have had very, very few claims. And NO unemployment claims, ever. Our UI rate quintupled (5x). ticks me off ... grrrrr