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MCC 11:51 AM 01-10-2014
I have a policy through Alfac for workers comp, and also for short term disability for me. I was able to work out a deal with the agent that if I paid for at least 3 types of plans, she would do short term for me.

Since this is our main income, I want to know I would have income if I got injured or something.

I'm paying $56/ month for workers comp for 2 employees, short term dis. for myself, and I had to buy dental from her as well, which is an extra $12/month. That was part of the deal. It is expensive, but gives me so much piece of mind.

You might have to talk to your attorney/state laws about what you are required to have though, in VA I do not have to have workers comp b/c I have less than 50 employees, I only have to have them on my liability insurance to be able to pay medical expensive, not loss income.
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