Q
Legal & Insurance10 min read
Workers Comp for Subcontractors: Who Pays When They Fall?
If your 1099 subcontractor lacks active workers' compensation, your policy covers their injuries and your carrier will bill you for their payroll during audits.
Legal & Insurance
Licenses, permits, insurance, and legal protection.
Q
Legal & Insurance9 min read
Contractor Liability Insurance Cost: What $1M Actually Covers
Contractor liability insurance cost averages $800 to $1,200 annually for a standard $1M policy, but hidden exclusions can leave you paying out of pocket.
Q
Legal & Insurance9 min read
How to File a Mechanics Lien (And Actually Get Your $10k Faster)
To file a mechanics lien, send a preliminary notice when starting work, issue a Notice of Intent if unpaid, and record the lien at the county within 90 days.
Q
Legal & Insurance9 min read
The Unpermitted Work Nightmare: What Happens When Homeowners Say 'Skip the Permit'
Unpermitted work liability means you shoulder 100% of the financial risk for a project, voiding your insurance and risking your contractor's license.