Hey John-- we use Paychex and because of my PWRA discount we get I believe up to 10 employees for $39/month for all. Paychex figures everything out and then sends us the paystubs via email. All my wife has to do is sign the checks-- Done;)
The problem I have with workers comp was on the audits. We clean commercial buildings such as a few movie theaters.. Because of this I have to pay 31.4% of payroll. I hate it but chalk it up as the cost of doing business. Also god forbid if one of my guys get hurt, they'll be compensated accordingly.
Well, I think it's a matter of common sense, no power washing if you are going blasting with high pressure, but if you are using the power washer to do the "soft washing", "low-pressure", then have it.