Make a plan today. Your family may not be together if a disaster strikes, so it is important to know which types of disasters could affect your area. Know how you’ll contact one another and reconnect if separated. Establish a family meeting place that’s familiar and easy to find. Step 1: Put a plan together by discussing the questions below with your…
First and foremost, make sure you and your family stay safe. Everything else can be replaced. If requested by the authorities, immediately follow all evacuation orders, and know that if anything happens, Chubb will do what’s right for you—whether that’s finding you a place to stay during repairs or finding you a similar home in…
Wildfires can ruin homes and cause injuries or death to people and animals. A wildfire is an unplanned fire that burns in a natural area such as a forest, grassland, or prairie. Wildfires can: Often be caused by humans or lightning. Cause flooding or disrupt transportation, gas, power, and communications. Happen anywhere, anytime. Risk increases…
Dear Valued Customer, In this issue of “————-” we focus on preparing for Brush Fire Season. Brush fires cause billion dollars in damage and destroy thousands of homes every year. The good news is that there are precautionary measures you can take to keep your family and home safe. Please read on to make sure…
People such as doctors, dentists, veterinarians, lawyers, accountants, contractors, subcontractors, public stenographers, or auctioneers who are in an independent trade, business, or profession in which they offer their services to the general public are generally independent contractors. However, whether these people are independent contractors or employees depends on the facts in each case. The general…
It is critical that business owners correctly determine whether the individuals providing services are employees or independent contractors. Generally, you must withhold income taxes, withhold and pay Social Security and Medicare taxes, and pay unemployment tax on wages paid to an employee. You do not generally have to withhold or pay any taxes on payments…
A business may pay an independent contractor and an employee for the same or similar work, but there are important legal differences between the two. For the employee, the company withholds income tax, Social Security, and Medicare from wages paid. For the independent contractor, the company does not withhold taxes. Employment and labor laws also do not apply to independent contractors.…
Dear Valued Customer, What exactly is an “independent contractor”? According to the IRS, the general rule is that an individual is an independent contractor if the payer has the right to control or direct only the result of the work and not what will be done and how it will be done…but not only can…
Dear Valued Customer, This issue of “—————-” is focused on providing you with the information you need to understand the importance of protecting your home and business against the catastrophic damage a hurricane can cause. Hurricanes are dangerous and can cause major damage because of storm surge, wind damage, and flooding. All Atlantic and Gulf…
Hurricanes are dangerous and can cause major damage because of storm surge, wind damage, and flooding. They can happen along any U.S. coast or in any territory in the Atlantic or Pacific oceans. Storm surge is historically the leading cause of hurricane-related deaths in the United States. Know your Hurricane Risk Hurricanes are not just…
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Landscape Contractors Insurance Services, Inc.
A Division of World
1835 N. Fine Ave, Fresno CA 93727
Tel (800) 628-8735 Fax (559) 650-3558
CA LIC # 0755906