Workers Compensation: Employee or Independent Contractor?

In the world of workers compensation, the subject of employee vs. self-employed independent contractor is complex. Employers are not required to provide workers compensation coverage for independent contractors. Likewise, employers are not responsible for payroll...

Leases & Tenant / Landlord Responsibility

There are complicated issues and potential gaps in coverage when dealing with leases. Do you know that a lease may require the tenant to provide insurance for the landlord’s building, contents, betterments and improvements if necessary? Consider these examples...