Why Lawn Care Companies Need Insurance

Written By Charlotte Insurance on June 15, 2020. It has 0 comments.

a Charlotte landscaper that needs insurance

In an ideal world, accidents never happen, mistakes are never made, and everyone is happy, healthy, and has a beautiful home to enjoy. Unfortunately, we’re only human, and even lawn care companies fall victim to accidents from time to time. Damaged property, stolen equipment, or employee and customer injuries can be mitigated but never entirely […]

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Misclassifying Employees: A Risk Not Worth Taking

Written By Charlotte Insurance on January 18, 2018. It has 0 comments.

Misclassifying your employees as independent contractors can seem pretty tempting. You’ll pay less in federal and state taxes and for your workers’ compensation insurance. In the short term it might seem like a great cost-saver and way to increase your bottom line. But in the end, it’s really a terrible idea. Here’s why you shouldn’t misclassify employees — no matter how tempted you might be.

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Workers Compensation Ghost Policies

Written By Charlotte Insurance on April 7, 2015. It has 0 comments.

Inexpensive Charlotte workers compensation insurance coverage sounds like a dream, doesn’t it? For small business owners with no employees, who are typically exempt from workers compensation, it can be a lifesaver – or at the very least, a business-saver.

Ghost policies are a type of workers comp coverage that satisfies mandated requirements for single proprietors or self-employed business owners. When a job requires coverage but you are exempt from needing workers compensation, ghost policies step in to fill the gap at a lower cost. The only thing ghost policies do is fill a requirement for a company or government entity that might be hiring contractors. They don’t provide any actual coverage.

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