Not all insurance companies will rate timber framing the same or shop work vs site work at different rates

Nor will all insurance companies rate labor the same on an apples to apples basis...You need to check around and see who will give you the best deal..

We get a really low rate when the guys are in the shop....We pay over 3 times that rate for everything else....10% might not seem like much....but if your total payroll is 80,000.00 a year then it can add up fast