I asked Ginna Britez from the Butwin Insurance Group about the WC policies. Though state law can differ, they are for the most part similar. In NY the alarm installers are in Class code 5191 and the rate for the WC premium is based on $2.13 per $100 of payroll. That is the rate for employees and for the owner, as long as the owner includes his payroll in the calculation. There is no extra charge or add-on just because it's the owners payroll included. Some state will permit a single employee-owner not to carry WC, but generally all states will permit the owner-employee to be included. If hurt on the job you will be covered only if you included yourself in that coverage. Trying to get it after the fact isn't going to work.
If you need information on WC insurance give Ginna a call at 516 466 4200 x 147 and if you are looking for a top notch insurance broker contact Rich Butwin at 516 466 4200 x 147.
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Ken Kirschenbaum,Esq
Kirschenbaum & Kirschenbaum PC
Attorneys at Law
200 Garden City Plaza
Garden City, NY 11530
516 747 6700 x 301
ken@kirschenbaumesq.com
516 747 6700
www.KirschenbaumEsq.com