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 - An Old-Time Tractor Demonstration - by Kim Pratt. Sam was born in rural Kansas in 1926. His dad was a hard-working farmer and the children worked hard everyday to help ends meet. In the rural area he grew up in, the highlight of the week was Saturday when many people took a break from their work to go to town. It was on one such Saturday in the early 1940's when Sam was 16 years old that he ended up in Dennison, Kansas to watch a demonstration of a new tractor being put on by a local dealer. It was an Allis-Chalmers tractor dealership,
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