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:
Most basic homeowners insurance policies will cover damage to your house and the contents caused by falling trees and tree limbs. Most storm-caused tree damage, such as ice, hail and lightning, is covered.
There is some basic level of coverage provided for personal belongings on a very limited basis, as is the case with an HO1 policy. That coverage has some portability, such as insuring a bicycle that is stolen while in use away from the home. And liability coverage also is provided up to policy limits with the HO2 policies. For those wanting to have additional protection for specific personal items that greatly exceed what is provided with the broad form coverage, an endorsement could purchased that either insures valuables up to policy limits or for cash value, replacement cost or an agreed upon value.