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OCIPs are also frequently referred to as "wrap-up insurance" or "wrap policies" in the insurance industry. [1] [4] The traditional method for insuring construction consisted of each general contractor (GC) and subcontractor obtaining their own insurance policies from any provider of their choosing. In turn, they would build their policy ...
The distinction between independent contractor and employee is an important one in the United States, as the costs for business owners to maintain employees are significantly higher than the costs associated with hiring independent contractors, due to federal and state requirements for employers to pay FICA (Social Security and Medicare taxes) and unemployment taxes on received income for ...
Auto insurance companies calculate rates based on risk, so if your license has been suspended and you need an SR-22 or FR-44 to obtain coverage, you will likely be classified as a high-risk driver ...
Combining your auto insurance with your homeowners, condo or renters insurance as well as motorcycle, boat, recreational vehicle, mobile home or life insurance often leads to significant discounts ...
Business insurance is exactly what it sounds like: insurance you buy to protect your business. You can get coverage to pay for repairs or to replace your stuff after a fire at your office ...
North Carolina does allow for a "fleet license" to be issued if the license holder has no insurance, however the fleet license only allows for the driver to operate vehicles owned and insured by their employer. The license holder must produce a state form (DL-123) to prove they have insurance, requiring the signature of an insurance agent, in ...
When using subcontractors, the general contractor is responsible for overseeing the quality of all work performed by any and all of the workers and subcontractors. It is a best practice for general contractors to prioritize safety on the job site, and they are generally responsible for ensuring that work takes place following safe practices.
This means you need liability insurance if your personal or business bank account can't afford to weather a lawsuit. If you think it's doubtful that your business will face a lawsuit, think again ...
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