Topic

Independent contractors

Small business owner shaking hands with contingent workers.
Human resources & hiring

For most small businesses, having a reliable team of employees is essential. But instead of hiring employees on a full-time basis, you might find that contingent workers, or temporary employees, are...

Sole proprietor working in their home office.
Freelance

Self-employed individuals and sole proprietors share similar tax obligations and risks because their personal assets are tied to their business, but not all self-employed business owners are sole...

Contractors and a businessman review building plans.
Independent contractors
While many independent contractors buy insurance for themselves, you may need to provide some types of insurance for the contractors you hire as a way of covering their liabilities and your own.
Independent contractor looking at their business license.
Independent contractors
Whether you need a business license as an independent contractor depends on your profession and where you work. Some licenses also require you to carry business insurance.
Self-employed business owner looking at business details.
Independent contractors

Anyone who works but isn’t an employee is self-employed. This includes independent contractors, although not everyone who is self-employed is an independent contractor. The difference depends on...

General contractor measuring a structure for a project.
Construction

Becoming a general contractor requires a combination of education and hands-on work experience. You might start off in a particular building trade and work your way up to general contracting, or...

Woman with a laptop drinking coffee
Starting a business

Both sole proprietor and independent contractor are terms that describe self-employed people. Which one applies to your business depends on the taxation structure and your professional relationships...

Freelancer working from home on her laptop
Home-based businesses

Whether you’re running a business from home or telecommuting, working from home has risks that might not be covered by your homeowner’s or renter’s insurance. There are several policy options to...

Two small business professionals reviewing paperwork for a specific project
Construction

Knowing the differences between project insurance and traditional business insurance can help business owners make informed decisions, protect their businesses legally and financially, as well as...

Contractor woodworking while on the job
Construction

Subcontractors and independent contractors are sometimes required to carry insurance to comply with state laws and licensing requirements. They may also need their own insurance to qualify for...

Two men shaking hands in an office
Independent contractors
Learn about the difference between contractors and subcontractors and the types of liabilities that they face.
A business man and woman shake hands during a meeting with staff.
Human resources & hiring

While employees and independent contractors both complete work for your business, they have two different roles in your organization. Find out whether you should make your next hire an employee or a...

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