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.
What are the limits in the standard homeowners policy? [Note: this answer is based on the Insurance Services Office's HO-3 policy.] Coverage A and B cover your dwelling and other structures on the premises on an âall risksâ basis up to the policy limits. You set the limit for Coverage A when you buy the policy. The Coverage B limit is usually equal to 10% of the policy limit on Coverage A. Coverage C covers losses to your personal property on a ânamed perilsâ basis, which means youâre covered for all the perils specifically named on your policy.