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Caroline Said:

how much does workmans comp. coverage cost a small business?

We Answered:

Workers compensation premiums vary by state but the rates will not be unreasonable for your type of business. Final premium will be based on your total payroll so you want to be sure to include that cost when you are calculating proposals for jobs. Check with the agent that will be writing your general liability insurance he/she will be able to give you a rate per hundred of payroll.

Unlike workers compensation there is no legal obligation to provide health insurance for your employees.

Julie Said:

must a small business owner who provides health insurance continue coverage if the employee goes on disability

We Answered:

If an employee does not work the minium hours required to qualify for health insurance the employer may discontinue the health insurance. However if the employer qualifies for COBRA (federal with 20 or more EEs) or State COBRA he must offer that to the EE.

Greg Said:

Do small business owners hate paying less for Health Insurance coverage ... so good employees would stay?

We Answered:

I'm a good employee, an I don't even get to health coverage. In fact it seems my biggest reward was getting laid off on Christmas eve. No party, no bonus, just a pink slip.

Theodore Said:

In Need of Small Business Insurance for Cleaning Service Start-Up?

We Answered:

I don't know of any company that will insure you and give you monthly payments The cleaning companies I HAVE quoted, for a new business, it's going to run around $1500, up front, for a year, without workers comp. That's just liability coverage.

You need to talk this over with a local, independent agent - I doubt the direct writers (Allstate, Nationwide, Farmers, State Farm) will give you coverage on a new business.