Reasonable or unreasonable, the rate for each class is set by your state and modified by a factor (your "mod") based on any losses you may have. The insurance company may modify that further by giving you credits or debits based on how they think you conduct your business. Some companies will give a dividend if they have positive experience with your class and you.
So the starting point for "reasonable" isn't your choice or your insurance company's.
This is usually called "Workers' Compensation Insurance", or "Workers' Comp" / "Workmans Comp" for short.
By law, it's optional for sole proprietors. Reality can be different though. In the construction trades most general contractors will require any subs who are sole proprietors to have workmans comp. This is what their insurance companies require. If a sub doesn't have workmans comp the insurance company adds their wages to the gc's bill.
The employer, the insurance company, your state board of insurance and your state's workers' compensation bureau are all good to contact about Work Comp insurance fraud.
if your employer doesn't have workers comp insurance then you sue the company directly. Find a good lawyer.
what earnings must i report to workmans comp
Workmans Compensation Insurance is a good way to get insurance coverage without emptying out your wallet. You can find more information about the rules and responsibilities and other information on this website: www.workmanscompinsurance.net/faq.html
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i lost a finger in 1983 do i get money for that
In some states being a sole proprietor with no employees allows you a waiver for the state required workmans comp insurance. However, many large companies as well as state and federal projects will require WC insurance, regardless of the waiver status.
If you still looking fo the workman comp lawyer. then you can find and get help on from this site Workers-Compensation-Law.us
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As each state's criteria for eligibility and amount of workman's comp payable differs, you need to contact your state's office for clarification.