New York State's comp rate is insane. I have been told you can get a policy form other states, Which ones are the cheapest. I tried a few and they said they are monopolistic states, they only insure people in their state. Any help, including any creative ways, I've heard one method of paying a bookkeeper 15 hrs. a week, whatever. NYS and all its regulations is driving me crazy, I'll consider just about anything now.
Workers comp is part of your cost of goods sold equation right? I'm sure if you look at the numbers, its just a percent of everything else. CA is 20%<$24/hr and 13%>$24. I just factor it into my price of material and it gets paid for on each job. Also you might want to look into payroll companies that team with WC companies and only charge based on actual payroll not just estimated each week or month.