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 - Harvestin Hay: The Early Years (Part 2) - by Pat Browning. The summer of 1950 was the start of a new era in farming for our family. I was thirteen, and Kathy (my oldest sister) was seven. At this age, I believed tractor farming was the only way, hot stuff -- and given a chance I probably would have used the tractor, Dad's first, a 1936 Model "A" John Deere, to go bring in the cows! And I think Dad was ready for some automation too. And so it was that we acquired a good, used J. I. Case, wire tie hay baler. In addition to a person to drive th
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