You use Form 1099-MISC, Miscellaneous Income for payments of $600 or more to your subcontractors. 3. How do I determine whether my worker is an employee or subcontractor? The courts have considered many factors in deciding whether a worker is a subcontractor or an employee. They can be divided into three categories:
trees, shrubs, and plants. Coverage is provided for trees, shrubs, plants, or lawns on the residence premises for the following perils: fire or lightning, explosion, riot or civil commotion, aircraft, vehicles not owned or operated by a resident of the residence premises, vandalism or malicious mischief, and theft.
A standard home insurance policy offers general coverage against a variety of hazards. A  dwelling fire  policy offers narrower coverage at what's typically a substantially lower price. Despite the name, dwelling fire policies actually cover more than just fire-and smoke-related damage.eep in mind that your dwelling fire policy may not provide enough coverage for all your needs and risks. For example, if you own a home in a flood plain, you may need to purchase a flood insurance policy. See how much you could save today on your home insurance.