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.
HO-1 or Basic Coverage, is the type of packaged Homeowners Insurance policy meant for protection of home, detached structures, and personal property from losses caused by the following disasters and perils: fire or lightning, wind or hail, explosion, riot or civil unrest, aircraft, vehicles, volcanic eruptions, smoke, theft, vandalism or malicious mischief and self-damaging instances (e.g. damage by glass material that is part of the building, a part of the building falling, etc).