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.
As a homeowner, you can typically purchase three different types of home insurance policies. Homeowners 1 (HO1): With this policy, your property is covered against 11 basic perils. Homeowners 2 (HO2): This policy protects your property against 18 perils (including 11 perils from Homeowners 1).