If you’re a general contractor in Missouri, you’ve heard every version of this argument: “I’m exempt.” “I’m just a one-man shop.” “I’ve never had a claim in 20 years.” “You’re the only GC who asks for this.” Here’s the problem:…
8 Situations That Warrant a Quick Heads-Up One of the most common questions we hear from business owners is some version of: “What should I be watching for? When do I actually need to call you?” It’s a great question…
Key Takeaways The Assumption That Could Cost You Everything Every week, I talk to Arkansas business owners who’ve made the same call: skip workers’ comp, pocket the savings, and lean on health insurance if something goes wrong. It sounds reasonable.…
A lot of Arkansas business owners I talk to have made the same call: skip workers’ comp, save some money, and lean on health insurance if something goes sideways. It’s understandable. Arkansas law does allow sole proprietors, partners, and LLC…
Key Takeaways The Assumption That Could Cost You Everything Every week, I talk to Missouri business owners who’ve made the same call: skip workers’ comp, pocket the savings, and lean on health insurance if something goes wrong. It sounds reasonable.…
If you carry workers’ compensation insurance for your Missouri business, one essential part of maintaining that coverage is a workers’ compensation audit. These audits ensure you’re paying the correct premium based on your actual payroll, employee classifications, and business exposure…
Navigating commercial insurance can be overwhelming — especially for new business owners. But choosing the right coverage is critical to protect your assets, employees, and future growth. The good news is that with the right strategy and information, you can…
Many self-employed contractors across Missouri and Arkansas ask the same question: “I’m self-employed — can a general contractor require me to carry workers’ compensation?” The short answer is yes, they can. Even if state law does not require you to…
If you operate a business in Missouri or Arkansas, you’ve likely been asked to provide a Certificate of Liability Insurance (COI) before starting a job, signing a lease, or entering into a contract. But what exactly needs to be on…
Hiring someone to work on your home who does not carry workers’ compensation insurance can create serious financial and legal risk for homeowners in Missouri and Arkansas. While contractors without workers’ comp may offer a lower price, skipping this coverage…
