We are in the state fund in Ohio, but manage our WC so aggressively that our overall rate has often been below 10% and it's been years since it's been over 14.
Ours is through the state and it's rough. I'm hoping to get out of the pool soon.
Also, your profile says your into siding? That's one way to get around roofing insurance :unsure:
We used Trigon- they were great but only in Arizona and New Mexico, but they did cover my guys when they worked in Texas. You can contact other PEO's even out of state ones. Some cover multi-state coverage.
Like Left said- you will need to raise your prices if you go thru the state.
Bill, What state are you in? I am in IL, we are with a company out of LA American Interstate. You should call the agent that handles your other insurances and see what he can do for you.
We have ours thru the state.
You also have to raise your prices.