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Premiums depends on the risks they're exposed to in the workplace and the payroll. I think the general formula is what you pay your employee multiplied by their job classification insurance rate. And, if you told them to suck it, you could be fined by the Dept of Industrial Relations, if caught. The fines are quite hefty and it's for each employee. You'd basically be shut down until you buy WC insurance. And, if your employee gets hurt on the job and you don't have WC, you'd be liable for the claims costs, medical expenses, etc. I guess you'd have to weigh the risks.
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