GC in California. Small business, shunted by my size to "State Fund" for Workman's Comp coverage.
If you pay $29/hr or less, its $30/hr more, so your rate is now $59/hr not including taxes.
If you pay $30/hr or more, it drops down to $11/hr, so your base rate is $41/hr.
Instead, have your workers sign up with Labor Ready. They do it online and then go in for an interview. Labor Ready takes care of all the paperwork. You pay Labor Ready, you get Labor Ready's discount-I will post that info when I find that out.
You let your General Liability coverage holder know that you are using labor ready. Tell them your projected wage cost for the year, and they will add coverage for that.
When you pull the permit, check the box that basically says you do not have employees and don't need workman's comp.
Still doing the math on all this.
Hopefully we will get universal healthcare in this country and all this nonsense will go away.