Whether a subcontractor is considered an employee is dependent on many things, including the nature of the work being done and whether it is fundamental to what the business does.
resource: SFM-The Work Comp Experts
Take a few minutes to read up on Hands-Free
Temperatures have dropped and snow has fallen. With that comes the opportunity to use your winter recreational vehicles. Make sure you have proper insurance coverage, so no matter what happens you’re covered.
Winter Recreational Vehicles
You might enjoy riding your snowmobile or take your ATV out on the trails. Don’t forget about your fish house. If you are heading out ice fishing you’ll want to make sure your fish house is on your insurance policy. These are some of the most common winter recreational vehicles that we see people insure.
Should I Continue Coverage on Summer Recreational Vehicles?
Another question we get from people is whether they should continue to have insurance coverage on things they only use in the warmer summer months. They put their boat and motorcycle in storage, so they won’t be used – can’t they temporarily drop the insurance coverage and save some money? There are a few reasons you won’t want to do that:
- They still face risk – theft, fire, damage
- Some policies are 12-month policies that take into account that you probably won’t be using a boat (or other seasonal item) in winter.
- What if we get an unseasonably warm winter, the snow melts and you want to take your motorcycle out for a ride, but you don’t have insurance coverage?
What kind of coverage do you have on your recreational vehicles? Check with your insurance agent to make sure you have the right policy. Each company and policy offers different coverage. Enjoy the winter and make sure you have the right insurance for piece of mind!Contact Your Citizens Insurance Agent Today!