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During Sandy had to sub 3 tree companies just to help me chip for 3 months. One of the companies didn't keep up with there ins. Had to pay for it at end of year. Make sure they have all insurances required before hire.

Your right pay premium then quarterly it's based off your payroll

As a sole proprietor I built my business from the ground up bought all my equipment with cash. So I initially got workmans comp to protect my assets. But looking back it was part of the reason my business is successful today. I landed a contract for 1 senior village a few years back and now have...