Worker's Compensation Insurance Rates

New to window cleaning industry and want to know what worker’s compensation insurance rates are when cleaning involves ladders / industrial rope access etc.

If you have no employees you probably don’t need it. Not sure if all states are the same.

California is around 30% of wages fluctuating around there plus or minus each year

that is just basic 2 story and ladder work

commercial over 2 stories has its own higher rate