Hi tsolanto
I have in the past have had the same problem with the cost of workmans comp. Last spring I dropped my personal workmans comp coverage. When my accountant noticed this changed he insisted that this was a big mistake.
I contacted my insurance company and explained that my job was to mainly to meet customers at the job site to layout new jobs and to estimate new work.
I was told that if I spend any time at the job site that this is classified as a working executive. The rate is for this classifiacation is not much cheaper than a hands on rating.
I took my accountant advice and decided to reinstate my workmans comp coverage.
On Dec. 6 last year while walking to my truck I slipped on some ice and broke my hip and three ribs. I have been out of work since that time. Needlees to say I'm glad I listened to good advice.
I guess what I'm trying to say is to think twice before dropping your coverage.
