Division of Payroll for Workers Comp?

bigchaz

Moderator
Got my worker's comp audit last week for the previous year. My estimates were pretty close but when the policy was written I explained we are basically painters (I stain decks) and on one out of every 10 jobs I may replace a few boards. So my policy was 95% painting and 5% carpentry.

Now the audit comes back and since I have 3 employees that do the exact same thing, I am told you can't divide individual employee payroll into different class codes. So my entire rate gets bumped up to 100% carpentry which is 50% higher than painting. If I had one employee who was a dedicated carpenter and the rest were painters I could split it based on each employees payroll.

I'm wondering how you pressure washers are able to get away with that? Otherwise if you do pressure washing and roof cleaning and the same employees do each it sounds like they would force you to pay the roofing rate on your entire payroll regardless of how frequently you do roofs. Any suggestions?

Seems like a load of crap to charge me the same rate as full scale residential construction because I hammer a few nails a dozen times a year into a loose decking board.
 
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Got my worker's comp audit last week for the previous year. My estimates were pretty close but when the policy was written I explained we are basically painters (I stain decks) and on one out of every 10 jobs I may replace a few boards. So my policy was 95% painting and 5% carpentry.

Now the audit comes back and since I have 3 employees that do the exact same thing, I am told you can't divide individual employee payroll into different class codes. So my entire rate gets bumped up to 100% carpentry which is 50% higher than painting. If I had one employee who was a dedicated carpenter and the rest were painters I could split it based on each employees payroll.

I'm wondering how you pressure washers are able to get away with that? Otherwise if you do pressure washing and roof cleaning and the same employees do each it sounds like they would force you to pay the roofing rate on your entire payroll regardless of how frequently you do roofs. Any suggestions?

Seems like a load of crap to charge me the same rate as full scale residential construction because I hammer a few nails a dozen times a year into a loose decking board.
 
We are charged a seperate rate for Employess that are actually pressure washing, Office Workers and Salesman. Its quite a big difference between the 3. If you only do 5% carpentry I dont think I would have mentioned it at all.
 
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