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oicu812nbama
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Both are same code, but a carrier may not choose to write that SIC code of the business, meaning Exterminator vs. Janitorial.
I have underwritten WC for 25 Years for our payroll company and was a WC actuary at one time.
Biggest thing I see is this. a competing agent will low ball the wage estimate so their premium will come under yours. With this low a premium, it will be easy to low ball it.
Were you able to see the other quote to compare?
yes, it has 1 employee with the payroll of $60,000. it should be 3 employees with the same payroll. no losses ever / 15 years in biz. $1million coverage/1/1
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that question wasn't ever asked by anyone. they do both, thoughSome states make a distinction between commercial and residential. Not sure if this applies in your state.
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