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You will scratch your noggin at this, Butch: In Ontario, I am NOT required to carry it as a Schedule 2 company (sole proprietor) with only part-time / casual help. Ended up signing up for it mostly just for a marketing advantage, and to be able to go after $$$ commercial / municipal work.

good luck X2 My Ontario experience has been favourable so far, but I think youse Americans get dinged a lot more savagely with premiums than us Canucks.