So in New York, worker's compensation can be bought from an insurance company, the State Insurance fund or through a "safety group" with other like kind businesses. The common thread of these businesses, let's them spread the risk of worker's injuries among each other. Because of this, they get an upfront discount of 25% and then a back-end dividend at 12 months end, whenever that group declares their experience. This could be as much as 40% if history hold true. Watch the quick video...
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