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 Home Insurance Covers. The typical homeowners insurance policy has six type of coverages. They are commonly known as: 1  Coverage A: Dwelling, for damage to your house that occurs due to covered losses, such as a fire. Coverage A: Dwelling, for damage to your house that occurs due to covered losses, such as a fire. 2  Following a covered loss, dwelling coverage helps you repair or rebuild your home, including the structures, such as a garage or a deck, attached to it.