With WC, if this is your attempt at getting it for the first time, you are pretty much stuck with the state (if your state offers WC coverage) or whatever provider will cover you - and subsequently paying whatever they charge.any tips on finding a company to provide smaller WC policy's-that is a smaller minimum (which is based on projected payroll).
Pay as you go. I would love that. It ends all the hassles of audits and adjustments. We use ADP for payroll and their carriers have pretty low cut offs that eliminates covering most contractors. Otherwise we would go that route. (No framing, roofing, anything over 12 ft. off the ground, etc.)If you use a payroll service like paychex, use them for WC. They can take the money out every week.