If it worked for your dad why wouldn't you stay with the same company? Actually, if he ran it as a named company, you could take over the named company and just carry on. I have never carried workman's comp. in the 34 years of being self employed. Not required in SD if you have a family member or work for yourself. I carry general liability through Allied. Never needed it so don't know how good they are. Tools are covered under a policy coverage called "Inland marine' also with Allied. My work truck is also with them. My insurance company requires that I get a certificate from each of the subs or when they do an annual insurance audit as they call it, they will rate you higher for the subs that didn't provide the certificate.
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Today's Featured Article - The Tractor Parade: Story of a Case SC - by Bernie DeLon. On a early fall morning back in 1994, I opened the newspaper and happened to spy an article about a local antique tractor club having their annual show that weekend.
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