Who writes them? I wrote a siding, mill work and incidental roofer last year through FB of Mi, they where new to my area and thought about going full roofing co. The work comp got denied by some big boys, Travelers, The Hartford, EMC. The state pool was the only place the agency I'm at could place the work comp. It was $18,000 for $95,000 in payroll. I was dumbfounded - this was just for incidental roofing, another 5 k for the other part of the operation. When I presented the quote, they about fell out of the chair and took a weekend to think about their business model. They decided to not do
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