Independent Contractor or Employee? The Basics

Sklover Working Wisdom

Ira didn’t see any difference between what he did and what the law firm’s associate attorneys did, and wondered why he was considered an “independent contractor,” and they were considered “employees,” and why he was not entitled to all of the benefits they were. These labels include “employee,” “partner,” “independent contractor,” “vendor” and the like. What is an independent contractor? On the other hand, independent contractors have certain advantages that employees do not.

Hiring a contractor for your home or office: what are your responsibilities?

Ms. Career Girl

While there is nothing to indicate that you should not hire an independent contractor for your construction needs, you need to be aware of your responsibility for health and safety. If you provide tools or kit to your contractor (such as face masks or ladders) and the item fails, it is your responsibility – but that is if the person who was injured due to the failure can prove that they did not adapt or move the equipment provided.

2018 100

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“Does an independent contractor have a duty of loyalty?”

Sklover Working Wisdom

Question : If an independent contractor is a subcontractor to a business, can the independent contractor bid against that business on a totally unrelated project? That is, does an independent contractor have a duty of loyalty, like an employee has? Also, can an independent contractor be liable for anything under the law of agency? An independent contractor has only those duties to its client that it has agreed to.

Finding the Best Painting Contractors Houston TX Offers

Ms. Career Girl

The post Finding the Best Painting Contractors Houston TX Offers appeared first on Ms. When you want the best painting contractors Houston, TX can provide to you, you want to look to Allen Painting and Sandblasting as your solution. Each job is properly insured for your protection and all of the workers and specialists provided are experienced and certified so you can be sure that the job gets done safely and correctly.

4 (No-Brainer) Reasons To Become An Independent Insurance Agent

Career Realism

4 (No-Brainer) Reasons To Become An Independent Insurance Agent. The insurance industry is losing lots of seasoned professionals due to retirement. As a result, the need for new insurance agents is climbing. If you listen to Evan and Matt in the video, you’ll learn that most of the successful independent agents don’t come from a previous insurance background. Work It Daily. Did you know?

Contractor Case Files: Solving the Two Major Pitfalls of Going Solo

Ms. Career Girl

Being a contractor or freelancer is not all it’s cracked up to be. Securing a regularly compensated, full-time position a traditional and safe bet, but if you are more of a risk taker becoming a contractor can be highly profitable. There’s insurance companies, banks, and other financial services. To be able to best secure a financial planning partner, ask for freelancer/contractor specific plans. Do you have tips for contractors?

Go Your Own Way By Setting Up As a Contractor

Corn on the Job

Contractors are often unsure of which structure is most appropriate for their business. Buy Relevant Insurance. You need to protect yourself if you’re setting up as a contractor. There are different types of insurance cover you should have to cover yourself and protect your business from any legal issues. It’s a good idea to look at insurance policies that are designed just for your trade.

How To Become An Instant Entrepreneur

Career Realism

It’s called, becoming an Independent Contractor. Upsides Of Being An “IC” Independent Contractors, or “ICs” as they are called, don’t work directly for a company. For example, Aflac*, the insurance company, hires Independent Contractors as their insurance agents. Whether you like a classroom setting, or online tools and materials, they provide hands-on support to help their insurance agents get up-to-speed to grow and prosper.

interviewer had a photo of my house, charging smokers more for insurance, and more

Ask a Manager

Health insurance discounts for non-smokers. An increasing number of companies are requiring smokers to pay more for health insurance or discounting the rates of non-smokers. In fact, tobacco use is one of the factors that insurance premiums are allowed to be based on under the Patient Protection and Affordable Care Act (ACA). The ACA lets insurance companies charge smokers a tobacco surcharge of up to 50 percent more. It’s four answers to four questions. Here we go….

What Kind of Worker Are You? Job Classifications for Tax Purposes

Ms. Career Girl

For the most part, there are two types of workers — employees and independent contractors. Once you know, the difference between independent contractor vs. employee can come into play throughout your professional life. Are you an employee or independent contractor?

2020 130

employee clique is causing problems, employer will pay me more if I work as a contractor, and more

Ask a Manager

Employer will pay me more if I work as a contractor. I asked him to expand upon this, and he said that if I wanted to waive all benefits, including leave, and become a 1099 contractor, they could meet $65k. He said if I only waived health insurance could he offer $60k. They can’t just decide to make you a 1099 contractor without restructuring the job; there are legal restrictions on how contractors must be treated. It’s five answers to five questions.

1099 33

3 Reasons You Should Pursue Passion AND Work

Career Realism

Erik Freeman is a benefits advisor representing Aflac insurance. Aflac offers flexible, independent contractor (or agent) roles that will give you the power to do the things YOU want to do. Career Advice Career Happiness aflac aflac insurance career advice career happiness career satisfaction job search passion and work reasons to pursue passion and work3 Reasons You Should Pursue Passion AND Work. Work It Daily.

2017 81

update: my coworker won’t stop complaining about our health insurance and I feel horribly guilty

Ask a Manager

Remember the letter-writer whose coworker wouldn’t stop complaining about his health insurance and she felt guilty because she’d helped hire him? A few people wondered why my company offered any benefits since he was a contractor – we don’t, he was a contractor through his external company. But the good news is he’ll have better insurance going forward.

1099 20

my coworker won’t stop complaining about our health insurance and I feel horribly guilty

Ask a Manager

A reader writes: We hired an external contractor to join our team two years ago. Before we interviewed him, he sent me an email asking to confirm that insurance was available because his family’s insurance was through him. His wife works in high-end retail with no benefits available and therefore their only access to insurance is his job. Since he’s an external contractor, it’s not subsidized by the “employer” — it’s 100% paid for by him.

8 Fields to Pursue For a Career Post-Coronavirus 

Ms. Career Girl

Insurance. As an insurance agent, you often work as an independent contractor. You can accept W2 work or sign on for a company like Postmates as an independent contractor. If you lost your job during the pandemic, you might consider switching fields.

2020 226

Contracting : The Fundamental Guide

Ms. Career Girl

However, a person can be considered to be a contractor if they offer other freelance skills such as administration, translation or IT services. Why become a contractor? With so many businesses looking at ways to reduce their overheads, bringing in contractors for certain services is becoming more popular. There is also a great deal of freedom that comes with being a contractor. Financial management for contractors. Are you a contractor?

2014 132

Entrepreneurs: Looking to Hire? Avoid These 3 Hiring Mistakes

Ms. Career Girl

Perhaps there is business expertise that you don’t have; but a contractor may better suit your needs than a full-time employee. New entrepreneurs reported hiring help (most often contractors) when specialized expertise was needed in the realms of legal, manufacturing, accounting/finance and technology. Remember that hiring new staff comes with paying the necessary taxes and insurance, in addition to a salary.

2020 200

Hiring Your First Employees: Making the Move from Small Business to Employer

Ms. Career Girl

When you advertise, you have the option to look for an actual employee, or you could advertise for an independent contractor. You’ll need to understand the differences between employees and independent contractors since each option offers certain benefits. Generally speaking, independent contractors, sometimes called freelancers, are looking for “gig” work with more flexible scheduling requirements.

2020 115

To Freelance Or Not To Freelance: That Is The Question

Ms. Career Girl

There are several factors to consider when deciding whether or not to declare yourself an independent contractor as opposed to a company employee. That said, remember, as you run through these pros and cons, the decision of whether or not you are a freelancing independent contractor or an employee may not be yours to make. Still, there are various reasons you may prefer to be an independent contractor. No Workman’s Compensation Insurance.

Unemployment Extension Update

Corn on the Job

Corn on the Job Wisdom for Job Seekers Blog About Archives COTJ Blog Roll Corn Heads Contact Subscribe Unemployment Extension Update by Rich DeMatteo on October 29, 2009 Legislation Update On October 27th Senate agreed on an 87-13 procedural vote to extend unemployment insurance. A final vote will take place sometime this week, but all signs point to unemployment insurance being extended further.

2009 52

Is Your Small Business Breaking Labor Laws? 5 Mistakes to Avoid


Classifying Employees as Independent Contractors. Some small business owners think it’ll be easier and cheaper to classify their employees as independent contractors, so they don’t have to pay payroll taxes or cover benefits like disability and paid leave. But there are rules surrounding who can be classified as an independent contractor and who can’t. You’re a small business owner, not an employment attorney.

2019 106

Why You Should Consider Outsourcing Within Your Business

Ms. Career Girl

Taxes, benefits, workman’s compensation insurance, and perks like gym memberships or other items all factor in to the actual cost of hiring employees. Depending on state laws, there are definitions for independent contractors, and if you violate those laws, you have to pay the person you have hired as an employee. Insulate contractors from direct client communication unless absolutely essential.

2018 129

Three Roadblocks in the Way of the Freelance Economy


If you have been reading about the future at all you know that I and others have written about the rise of independent contractors or freelancers as a force in the world of work. Unless you are wildly successful from the get-go and are making money hand-over-fist you cannot afford to have insurance. Many baby-boomer freelancers often have a working spouse who has insurance coverage through their work that provides the safety net needed.

How to Renovate Your Home for Your Home-Based Side Hustle

Ms. Career Girl

Choose a Contractor. You can choose your own architect and then hire a general contractor, or you can go with a design-build contractor that covers it all. Check out the many home improvement contractor rating websites. Also, if any contractor says you don’t need permits because the project is small, run! Your contractor and designer will walk you through the process and help you coordinate all of the necessary plans.

2017 120

Keeping Taxes in Check: Write-Offs for Your Small Business

Ms. Career Girl

This can encompass any program your company offers that benefits your employees, such as tuition reimbursement or health insurance. Dinner out to discuss a contract or meeting a contractor to go over fees both count as a business meal. Any time you hire a contractor or outside expert for your business, like a lawyer or accountant, you can deduct the costs associated with those services from your business taxes. Business Insurance. Tax season is almost upon us.

2017 115

Seasonal Unemployment Rules Working Moms Ought To Know

Competitive Resumes

Working Moms Must Know About Independent Contractors – unemployment benefits. Small Business Administration, Independent contractors are self-employed. Contractors are not required to provide unemployment benefits or pay unemployment taxes. Benefits, such as paid leave, medical insurance, and retirement plans are the employer’s discretion. . Summer is here, and it’s a common to see teenagers going around searching for seasonal jobs.

2017 109

How Do Start-Up Businesses Expand?

Resume Bear

One ideal way for start-ups to expand when business activity finally becomes too much for any single individual to handle, is to use third party services and contractors. A far better option for start-ups that want to expand is to utilize contractors and third party services. In addition, because umbrella companies are experts in their field, they can often also provide a wealth of information and advice on tax planning, insurance and account organization.

2013 154

Protect Yourself: Laws Every Employee Should Know

Career Alley

Contractor Law. If you are paid as a contractor, the company you work for must treat you as one. If you are an employee, not a contractor, the law says you must be paid as one and receive the same benefits, such as vacation time and insurance, as other employees. Employment is generally a necessary part of life.

2013 215

Hiring New Employees Can Be Worse than a Root Canal

Evil HR Lady

Another solution can be looking for a contractor to fill in. With a contractor, you’re not under obligations that you would be with a formal employee. And in addition to wanting a great manager, they want flexible schedules, fantastic health insurance, and quality snacks in the break room. If your benefits stink, call up your insurance broker and fix it before the next round of open enrollment.

2017 168

Five Jobs with a Degree in Occupational Health and Safety

Career Alley

These professionals must work with contractors, developers, engineers, architects, and fire service personnel. Fire safety staff work to develop fire exit plans, test fire protection systems, and make sure contractors correct code violations. Most of these professionals work with law enforcement agencies, but they could also work for private industry or insurance companies.

2012 258

How can I build a careers without getting burnt out?

Careers Done Write

Part of your planning should be research with a financial and insurance advisor. As an independent contractor, you will be responsible for your tax reporting, personal health insurance, and retirement savings. Dear Deb, My work history is not perfect. I tend to work for a while, get burnt out after the product is released, and then leave the job.

2012 131

Certified Tips To Become A Successful Real Estate Agent

Ms. Career Girl

You will learn the tricks to map the neighborhood, explain the surveys and several things like encumbrances, liens, documentation, title insurance etc. Keep in contact with the reputed builders, contractors, lenders, appraisers, financers, title companies and insurance providers to offer the best service to your clients. The post Certified Tips To Become A Successful Real Estate Agent appeared first on Ms. Career Girl. The following is a guest post by Anurag Gupta.

Attempts to Make the “Gig” Economy Work Fall Short


Uber and Lyft, among other like companies, have been hauled into court to challenge their assertions that the people providing services under their name are independent contractors. Their definitions of who is an employee and who is an independent contractor have been around for decades. State workers’ comp boards and insurance divisions are also interested because of the underfunding that might occur due to lack of tax collection from independent contractors.

The Frightening Fact New Grads Should Know Before Entering The Workforce

Career Realism

No health insurance, no sick days, no vacation, no paid time off, nothing. Contract jobs rose in popularity in the last 15 years when employers realized they could save a substantial amount of money on payroll, employment taxes, and benefits by hiring contractors. The initial allure to the contractor was a guaranteed salaried job after ‘proving themselves’ worthy during the contract period as well as less dedication.

2014 83

What HR Needs to Know When Hiring a Contract Recruiter


The contractor has duties and rights well defined in the retainer agreement. What steps do you take to insure that the candidate is not subject to a non-compete agreement (regardless of wehther you think it is enforceable)? Independent Contractor Agreement: The contract recruiter will not be an employee of the client company. They will be a consultant or independent contractor. The contractor provides his or her own tools, place of work. Picture this.

2014 117

15 Companies Hiring Freelancers in 2017

Ms. Career Girl

High Value Insurance Consultant (multiple locations). Astronomy Alignments Contractor. US-Reports: Insurance. Insurance Premium Auditor. The post 15 Companies Hiring Freelancers in 2017 appeared first on Ms. Career Girl. The freelance economy continues to grow, and these companies have hired the most freelancers this year.

2017 111

How can I build a career without getting burnt out?

Careers Done Write

Part of your planning should be research with a financial and insurance advisor. As an independent contractor, you will be responsible for your tax reporting, personal health insurance, and retirement savings. Dear Deb, My work history is not perfect. I tend to work for a while, get burnt out after the product is released, and then leave the job.

2012 100

13 Things to Hold Onto For Next Year’s Taxes

Ms. Career Girl

Freelancers and self-employed contractors may file a 1099 to report earnings for the year. When you purchase a new home during a tax year, keep your closing documents , proof of payments and insurance records for as long as you own the home. The document may show the disbursements for real estate taxes and property insurance. The post 13 Things to Hold Onto For Next Year’s Taxes appeared first on Ms. Career Girl.

2017 116

Best Job Search Apps for 2021

The Corporate Con/noisseur

These benefits include health and dental insurance, paid time off, and office atmosphere, amongst others. The app is geared towards more blue-collar level work but distinguishes itself by ensuring the jobs are full or part-time and not contractor work. Best Job Search Apps for 2021. Although 2020 isn’t yet over, it may be a good time to begin looking forward to the new year and the opportunities it brings.

2021 40

Essential Tips for Buying a Home in Your 20s

Ms. Career Girl

This includes property taxes, insurance, repair and maintenance costs, potential municipal fees and others. Additionally, if your investment requires a lot of urgent and initial maintenance, you might be more susceptible to untrustworthy vendors or contractors. The post Essential Tips for Buying a Home in Your 20s appeared first on Ms. Career Girl.

2016 143

Seven Short Q & A’s on Sunday

Sklover Working Wisdom

Would those same rules apply to independent contractors? With independent contractors, the presumption is the exact opposite: it is presumed to be the property of the independent contractor, unless an agreement was entered into that says it belongs to the company hiring the independent contractor.

2011 116

A New Method of Flexible Work


I have also written about the contractor or Freelancer economy and how a large portion of the Millennial generation will be working in very flexible work arrangements. Any company that is using this model to provide services is certainly going to have to insure that the service providers are of high quality. I, and others on Blogging4Jobs, have written about the future of work and adapting to the needs of future workers.

2015 101

MEMO TO: New College Grads

Ms. Career Girl

We spend “left-over money” on technology gadgets, killer apps, insurance, transportation and recreation. Marillyn Hewson , CEO and President of defense contractor, Lockheed Martin. The company is commonly known as Blue Cross Blue Shield Insurance. SUBJECT: Work responsibly. It’s that time of year when college seniors are looking forward to receiving their diplomas after four or more years of time consuming and costly schooling.