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In Florida ONLY up to three owners who each have more than 10% interest in the company can be workers comp exempt and then, it is only for those listed on the expemption. They MUST have a WC policy if anyone AT ALL works on the project other than the exempt owners. If they don't, it is putting everyone at risk and it is illegal. Also, no longer are "1099" independant contractors allowed. EVERYONE Must either have the WC exemption or have a WC Policy. This is realitively new and subs try to get around it and tell they clients they are exempt and don't explain that only they are and not their workers. Most insurance claims on single family homes comes not from damage to the home (liability) but from damage to a person (workers comp) and if you are dealing with subs without insurance, you are often dealing with less skilled labor, lesser safety precautions and your risk skyrockets. This is one of the biggest risks a rehabber faces. And, if your rehab project is in your name and not an LLC or some other asset protection entity, you open yourself and your family up to a huge risk. Watch out carefully who works on the job with an exemption and monitor it. Good luck.

Agri-tourism is hot. You can have (depending on what zoning allows), bed and breakfasts, equine facilities, up close and personal with animals, you pick em fields (tomatoes, strawberries, etc.), as mentioned CSAs, produce stands with all sorts of local grown and produced products (esp. as the "eat local" movement grows even larger), and so on and so on and so on. Key Key Key is Zoning and approval of proposed use.

Remember, there are two types of insurnace you want to make sure you have: 1) liability (which covers any damage they do to your property or other sub's work and 2) worker's comp (which covers them if they or their employees get hurt.

You need both for each contractor.

And, I am quite sure that if a sub or a sub's employee gets hurt on the job, the GCs worker's comp coverage will only cover them if THEY hired them. If you, the owner hired them and they don't have their own WC policy, then it is on you.

Liability experience - a welder scorched a ton of new wiring in a renovation. The wiring was low voltage and couldn't be spliced so had to be totally redone. The loss was in the tens of thousands (this is a big rehab). His insurance covered it. Had it not, do you think little ol' welder guy would be paying snooty low-voltage guy for his smokin' wires? Not on your life.

You have to have insurance or it WILL catch up to you one day.

Has anyone taken her seminars? Good, bad, worth it? Many thanks in advance.

Just wondering what % do you hope for and get on letters, postcards or flyers you mail out to a targeted audience say to pre-foreclosure, foreclosure, out of town owners, disgruntled landlords, etc.? Ie how many calls or leads come back? Thx much