Two Situations Where Documentation Protected My Contractor Clients
Key takeaways Two DFW contractors avoided paying on claims that were never theirs, because they had documentation and could produce it. Photos, a written report, and not touching the equipment is what protected the first contractor from being blamed for someone else’s faulty work. Proper notice matters. A contractor has to be told there’s a […]
Employee, 1099, or True Subcontractor? Why the Difference Shows Up on Your Premium
Key takeaways Paying a worker on a 1099 is a tax decision. It does not make them a subcontractor, and carriers do not treat it as one. A true subcontractor carries their own general liability, workers compensation, and often commercial auto. Every policy they don’t carry is one your business absorbs. If a crew works […]
An insurance checklist for restaurant owners in Texas
Key takeaways A restaurant carries more overlapping exposure than almost any other small business, property, liability, liquor, food spoilage, employees, and delivery. General liability and commercial property are the floor; liquor liability and food-contamination coverage are what most owners underestimate. In Texas, workers’ comp is optional but skipping it removes key legal protections when a […]