It depends on your industry. Office can be as low as 20cents but deal in high risk and you're looking at that figure. The tree lopping industry alone is 17 cents in every dollar workers comp alone. Add 9 cents for super, you're already at 26 cents in every dollar, then you need public liability, which for slot of high risk things out in the public, you're needing nearly another 20 cents in every dollar. It does add up, doing the paper work to run a business each year kinda brings the real values out