One of the most important things you should consider when choosing contractor insurance is whether or not you need liability coverage. Contractor insurance helps protect you if something goes wrong while you are working on someone else's property.
If you are working on your own property, you likely don't need liability coverage. However, it is always a good idea to have this coverage in case something happens while you are working on someone else's property. This way, you will be protected if someone files a lawsuit against you.
If you are planning to do any work that involves contact with other people, it is important to get contractor insurance. This coverage will help protect you if something happens and someone gets injured.
This coverage will also help protect you while working with other people.If you are looking to start a small business, there are many benefits to having contractor insurance. It is important that you get this type of coverage to protect yourself from accidents and lawsuits.
Am I eligible for safe harbor if I have no employees?
If you are a contractor who does not have any employees, you may be eligible for safe harbor from workers' compensation laws. This means that you will not have to pay workers' compensation premiums if you are injured on the job.
To qualify for safe harbor, you must meet certain requirements. For example, you must have a contract that specifies that you are not an employee and your relationship with the organization is one of contractor and client.