JLC • MAY 1996
My husband and I own a small remodeling
company. We're not young anymore,
so we don't want to work as hard
as we would need to work to generate
the additional overhead money we would
need for employees. We particularly
don't want to cope with the forms and
the payments for workers compensation,
the IRS, unemployment insurance, state
safety regulations, and all that other good
stuff that goes with employees. So we
rely heavily on subcontractors.
We always make sure, however, that
our subs are truly independent contractors,
rather than phantom employees.
Our subs are all licensed, run their own
companies, and own their own tools.
They give us estimates in advance of the