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How to Save Money on Your Workers’ Compensation Insurance

Published: May 06, 2013

How to Save Money

on Your Workers’ Compensation Insurance

As you know, having Worker’s Compensation insurance is not optional, unless you don’t have any employees.  But, if you do, you have to have it.

Failure to provide it could cause your business to get shut down.  That is, after you pay some stiff penalties for operating without it.

But there is no law that says you need to pay more than you are legally obligated to pay.  Yet for a very high percentage of employers, they are doing exactly that.

Instead of taking advantage of multiple, money-saving provisions in the law or techniques that their insurance agent can help with, most employers pay 20 – 40% more than they should.

Why do Most Employers Pay Too Much for their Workers’ Compensation insurance?

  • Very simply put, because they are dealing with an “amateur” instead of a consultant.”
  • Everyone specializes in today’s world.
    • Farmers specialize in growing certain crops.
    • Building contractors specialize is certain trades.
    • Even attorneys, bankers and real estate agents specialize.
    • Shouldn’t we also expect to deal with an insurance agent who specializes?
      • Shouldn’t they be expected to be good enough at what they do to be a consultant for you?
  • Unfortunately, most employers have been trained by their “one-and-only agent” to think that he can do it all. 
  • For most people, dealing with insurance is a
    • “necessary evil” that “all costs the same” anyway,
    • rather than a business expense that can be managed and controlled, just like most other expenses.
  • And since most agents are “generalists” and don’t understand the details of Workers’ Compensation insurance, their clients needlessly throw away thousands or tens of thousands of dollars every year.

Consider working with a specialist, a consultant who can help you to save a lot of money?

For further information or answers to your Workers’ Compensation questions contact:

Doug Nielsen, Work Comp Solutions, Doug@WorkCompSolutions.ORG, (208) 351-8188


Countryside Data's newly updated graphics for Cash Flow Budget / Actual

Published: Mar 01, 2013


Recently we added additional graphics to WinOne VB (accounting and payroll software). This post explains graphics for cash-flow budget or actual. 4 Major options are available. With each of the four options having multiple lines that can be added to the main graph by check marking the lines needed.

If you are one to look for trends or just to see in picture format what is happening financially in your business this new option will take you to a whole new level.

Select Graph Options and Lines
Cash Flow Income (Sales) Fixed Income Total Income
Budget vs Actual Other Income Variable Income  
Income Sales     Total Expenses
Other Income Production Expenses Fixed Expenses  
Production Expenses Operating Expenses Variable Expenses Profit / Loss
Operating Expenses Other Expenses    
Profit / Loss      
Fixed / Variable / Income      

Countryside Data's new Contract Labor Firm Payroll Addition

Published: Feb 15, 2013


We are pleased to announce that our WinOne VB and WinOne VB+ payroll has been updated to now include Contract Labor Firm needs.

The check stub used is now a long form voucher and check. Two versions are available. Stub, check or check stub. (used only for payroll checks)

The payroll stub includes tasks paid, with-holdings, and the farms worked on during the current payroll period. The farms worked on is an extension of our enterprise area. When an enterprise is setup and marked as a customer / client as well. This data will appear on the employee's check form.

The voucher also, indicates payroll start and end date of the payroll period and date paid.

Payroll transactions reports can also now be sorted by task, employee, Enterprise (farm, vineyard, orchard etc worked on) for billing purposes as well.

Contract Labor Firm - Payroll Check

2013 Withholding Tables and FICA / Medicare Rates

Published: Jan 31, 2013

Here is a link for the 2013 Circular A, Employee withholding tables. This is for farm workers. Non- Farm workers should use Circular E

Note: WinOne VB payroll uses the Daily / Misc option. The one withholding amount for 2013 is $15.00

The FICA (Social Security) for 2013 is 6.2% for both the employee and the employer. The ceiling or top end to withhold is $113.700.  Medicare rate is 1.45%. on all wages.

WinOne VB payroll add's enterprise /task report generator

Published: Nov 15, 2012

November 15, 2012 - WinOne VB payroll add's enterprise /task report generator.

Great for farmers, ranchers, contract labor firms and agri-business owners. Reports can now generated by enterprise (profit-center, Custom Farming Clients, fields etc) and grouped by tasks (job rate with a pay rate...either hour, salary or piece rate). With further drill down to employee as well.

For those needing it...the task now has a billing rate for customers in addition to the traditional employee rates.

Watch for samples of the new reports over the next few days. Until then...keep smiling.