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  1. Business
    Hi All. I started my licensed home improvement / contractor business less than 2 years ago. Firstly, I would like to say that I feel so lucky that I have been able to generate some income since day one, specially considering that COVID put a stop to many businesses including contractors. I...
  2. Farmer Brown Insurance Agency
    I was told I need to have workers compensation for a project I am bidding on or have won, but I don’t have any employees? Why do I need a Workers Compensation policy when I don’t have employees? The answer to this question is that you need what is called a Workers Compensation “Ghost policy”...
  3. General Discussion
    Hey everyone, I'm new to the site, but have been contracting for 10 years. I don't carry workers comp cause I don't have any employees, but I think that there is a way of hiring someone without a license " independant contractor" to do work for me as piece work without having to pay workers...
  4. Help Wanted or Looking For Work
    Hi everyone! Just wanted to say hello and introduce myself. My name is Vince and I work for a company called Pinnacle PEO. We are NOT a contracting company however we have been a valuable resource for many contractors across many different industries. As an Human Resources Outsourcing company...
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