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
I found a great company that will let you do the labor costs plus their % add on with a little as 500 work hours per month. They are happy to insure you as long as you don’t have claims. It works out to pennies on the dollar. You still get those preverbial Certificates of Insurance too!