Right now I'm a one man shop. I cut and sell wood of all shapes and sizes, over the web, all over the world.
I use a table saw, bandsaw, chop saw, and wide belt sander, daily, to fill my orders.
When I cannot handle orders, I outsource work to my nephew, in another state. He has a full featured shop, and can handle orders that I feed him easily. He ships them from his location, also, after I give him the address. Works well.
I don't believe I need Workmans Comp insurance on my nephew, since I use him as a subcontractor. He covers himself, with his own insurance. The rate he charges me, reflects that.
Orders are still too heavy for the two of us.
So, I need to get a bigger shop, and hire an employee or two.
I understand WC insurance will be a percentage of their wages.
For this type of work, in my shop, what percentage can I expect to pay?