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.
Homeownerâs insurance: Personal liability coverage of $300,000. Homeownerâs insurance: Personal Injury coverage may not be automatic in the homeowner and umbrella policy. Some homeowner policies require an endorsement to add the coverage for an additional premium.