I'm like dirt poor and can't afford giftsWhat can I make? Like I've got some yarn, just what to knit? Can't crochetUhmm I've got a crapload of bottles but can't afford wax or anything so candles are outEhh mod podge, and just average crafting stuffPlease HELP :D
Obviously anyone construction relatedOr, anyone that you would assume SHOULD have itSo, not the web guyThey just want to make sure that if you hire a contractor that they'll be covered and not be rolling a claim up to your policy.
They make money on maintaining you as a client far more than on a particular policy, so I wouldnt assume that the agent is out to sell you more insurance or change existing insurance to a higher premiumI would love to sell my clients more insurance, but then I wouldn't have anymore clients because they would all be out of businessIt is a working relationshipAnywayTechnically, for the purpose of the liability insurance policy, anyone doing your operations would need to have coverage if you are paying them 1099So, this includes everyone from the labor crews and the dump truck guyThe salesman would be included here tooHowever, your accountant, lawyer, website guy, etcwould not count as subcontractors for the purpose of the insurance provisionEdit Ultimately, it doesnt matterJust require that everyone you work with has liability insurance and you will be satisfying that provision in your insurance policyThe line isn't clear cutWant clear cut lines, then become an engineerYou work in the real world and there is no clear cut line on this issueWanted to throw in a little levitySeriously though, the dump truck guys are definitely subcontractrorsI'll give you a very confusing exampleAn employee of company A was injured on a jobsite owned by company XThe employee was injured by falling debris while standing on the side of a dump owned by company B being loaded by an employee of company C using an excavator leased from Company DCompany E is the GC on the project Guess who is named in that lawsuit.everybodyI realize my example does not pertain directly to the clear cut lines to which you refer, but just trying to show how confusing claims can be when they eventually happenYeah, this is a real claim I am dealing with.
you can knit tea-cozys, doilies, scarves/mufflers, pot-holders, mittens, friendship bracelet, belt, etcOr just knit motifs join or gift loose as a set - leaving it to the receiver to join make something or adorn dresses, linen, etcfrom your load of bottles, select some nicely shaped onesif it is plastic, you can cut out the neck use the base as a container, flower pot, vase, stationery holder, ladle holder, etcJust adorn with whatever you can find at home - strings, yarn, beads, sequins, fabric, knit motifsor make dried flowers [press flowers leaves between newspaper sheets allow to dry for a few daysglue these as decorationsyou can fill the bottle with pebbles, marbles, pot a plant or kitchen herbs, hydroponic plants, shells, for holders, you can try to make a collection of different height bottles, glued together on a baseeach one can hold something diff like pencils, brushes, combs, etcyou can also cover the bottle(s) with layers of newspaper strips using PVA glue diluted in water [1:2]when this is dry, color decorateyou can similarly, make Anything out of papier mache using old containers or bowls, etc as a molddirt cheap too from household junk ;-)) hope these inspire you all the very best have funshift your junk to another's home ;-))
