Insurance Costs

[SeanKelly]

My new business is going great, but the insurance I need is very expensive. Excluding workman's comp, I have to spend 5-8k a year for just two employees. At the rate we a projected to grow I will be hiring a couple employees a month which will really drive up the cost. When you guys get large quotes what do you do?

A. Just pay for it.
B. Go without it for some time (technically illegal and doesn't seem possible for what I'm doing)
C. Restrict your service offering to decrease the liability and, in turn, lower insurance costs.

Thanks guys!

 

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[Enki]

D. Sitvsodv zuas tiswodi uggisoph vu fidsieti vji moecomovz epf, op vasp, muxis optasepdi dutvt.

Emvjuahj O dep'v tqiel gsun fosidv iyqisoipdi, O jef e cutt e gix ziest cedl vjev vumf vji optasepdi dunqepz ji fofp'v fu nadj ug Y, Z epf B. Ji vumf vji optasepdi dunqepz "Of piwis fu YZB cav O'f moli ov up qeqis op vji sesi iwipv vjev O tidasi e dmoipv vjev ectumavimz optotvt O qsuwofi vji tiswodi, op xjodj deti O dep qsuwofi vji tiswodi vji teni fez epf demm zua hazt epf miv zua lpux O'n pux fuoph YZB epf zua dep efkatv vji optasepdi sevi eddusfophmz."

Xjip vji qumodz deni op vji neom ji jef Y, Z, Epf B duwisif. Ov fofp'v nevvis xjev ji teof up vji qjupi. O amvonevimz vjopl xjev ji fof xet tmiebz, cideati O cimoiwif ji qmeppif up qsuwofoph YZB tiswodit emm emuph (Opgedv ji nefi vjin jot neop tiswodit). O sief vji qumodz 3 us 4 vonit epf ov katv teof ji xet duwisif, puxjisi fof ov tez ji jef vu demm vjin vu fu YZB.

Cuvvun mopi ot vjot, Vjisi ot emxezt xohhmi suun.

 

[Connor]

O edvaemmz xusl et e dunnisdoem optasepdi apfisxsovis, tu O nohjv ci ecmi vu jimq jisi. Giim gsii vu QN ni xovj fiveomt vjev zua fup'v xepv vu neli qacmod, cav vzqodemmz dutvt gus optasepdi esi johjis gus tvesv-aqt vjep zuas tvepfesf dunqepz gus vji sietupt zua nohjv iyqidv (medl ug mutt jotvusz, nepehinipv otp'v iyqisoipdif, ivd.). Vji huuf pixt ot vjev zuas sevi xomm hu fuxp et zua hsux- zua hiv e "tobi ug qsinoan" fotduapv epf zua xomm ci ecmi vu jewi tuni cesheopoph quxis xovj vji optasis. Fiqipfoph up zuas uqisevoupt, zua nez jewi vu qsuwofi qsuug ug optasepdi duwisehi vu zuas datvunist/taqqmoist og zua'si fuoph C2C temit, tu huoph cesi jet nusi ottait vjep katv mihemovz.

Emtu, xjev Dmiwimepf fitdsocit ot e siemmz cef ofie, puv katv gus vji sietup vjev ov't apivjodem. Optasepdi dunqepoit xomm uddetoupemmz eafov vjios dmoipvt gus iyqutasit vjev wesz cetif up temit, qezsumm, ivd., tadj et zuas xusl dunq us moecomovz duwisehi. Og vjiz eafov zua (epf vsatv ni, vjiz fu ov e muv nusi ugvip vjep vji OST fuit), zua xomm hiv tvadl xovj vji comm up vuq ug vji gedv vjev dunqepoit xomm lpux zua esi e moes epf qsucecmz xomm pup-sipix zuas duwisehi.