Guests - If You want access to member only forums on HSO. You will gain access only when you Sign-in or Sign-Up on HotSpotOutdoors.

It's easy - LOOK UPPER right menu.

  • Announcements

    • Rick

      Members Only Fluid Forum View   08/08/2017

      Fluid forum view allows members only to get right to the meat of this community; the topics. You can toggle between your preferred forum view just below to the left on the main forum entrance. You will see three icons. Try them out and see what you prefer.   Fluid view allows you, if you are a signed up member, to see the newest topic posts in either all forums (select none or all) or in just your favorite forums (select the ones you want to see when you come to Fishing Minnesota). It keeps and in real time with respect to Topic posts and lets YOU SELECT YOUR FAVORITE FORUMS. It can make things fun and easy. This is especially true for less experienced visitors raised on social media. If you, as a members want more specific topics, you can even select a single forum to view. Let us take a look at fluid view in action. We will then break it down and explain how it works in more detail.   The video shows the topic list and the forum filter box. As you can see, it is easy to change the topic list by changing the selected forums. This view replaces the traditional list of categories and forums.   Of course, members only can change the view to better suit your way of browsing.   You will notice a “grid” option. We have moved the grid forum theme setting into the main forum settings. This makes it an option for members only to choose. This screenshot also shows the removal of the forum breadcrumb in fluid view mode. Fluid view remembers your last forum selection so you don’t lose your place when you go back to the listing. The benefit of this feature is easy to see. It removes a potential barrier of entry for members only. It puts the spotlight on topics themselves, and not the hierarchical forum structure. You as a member will enjoy viewing many forums at once and switching between them without leaving the page. We hope that fluid view, the new functionality is an asset that you enjoy .
Sign in to follow this  
work sucks

Licencing and Insurance for Contractors...

Recommended Posts

For those of you in the know...I am looking at getting my residential contractors licence. I am familiar with the licence side of things, but was wondering what is required for insurance, liability, and LLC's, ect. I am not going to hire anyone, so I guess the work comp coverage won't be needed. Will I need to form a LLC? If so what is the advantage? Perhaps someone knows of a person I could get in touch with to answer these questions. I do a lot of "side work", but I would like to attempt to do it full time on my own instead of working for the "MAN". Thanks all...

Share this post


Link to post
Share on other sites

work sucks a i am a LLC corp.and all that means if you were to go broke the could not take any of your personabu stuff on what belongs to the company,i live in st,cloud and i could help you out with this stuff,

Share this post


Link to post
Share on other sites

Hiring a lawyer will save you lots of $$ and time in the long run. Find one that specializes in business and labor laws. An LLC is USUALLY the best when working on your own, but there are many variables. As far as insurance goes, some companies that you will do work for will still require a workmans comp claim...contact the sec. of state, they just put together a group pool so small contractors can gain workers comp insurance while getting the good rate. Good luck.

Share this post


Link to post
Share on other sites

If you don't file with the state of MN for your LLC and you

are the sub on the job you required to have an ICEC (INDEPENDANT

CONTRACTOR EXEMPTION CERTIFICATE) wich is also available through

the state. Both LLC and the ICEC are to be renewed every 2 years

For tax purposes I would check into regestering with the state as an s corperation, that also limits your liability in the case of an accident ect... If you have any subs working for you they will need to provide thier icec and there are hefty fines associated with that program if they can't provide it, the fines apply to the general and the sub contractor. Check out http://www.doli.state.mn.us/ic.html for the state regulations

as far as the work comp goes you can get an exemption from the state if you are the

only one performing work within your company (next of kin fall into this catogory also

I.E children, parents, siblings)

Share this post


Link to post
Share on other sites

I would say talk to a CPA and listen to their advice. tax attorney also could help. good planning and setup can reduce and eliminate hassles and headaches.

Share this post


Link to post
Share on other sites

Minnesota put a bunch of new laws into effect starting 1/1/09 that make it tougher than ever to sub out or get work subbed.

Even if you are an LLC and subbing work legally with liability, comp, etc and you sub all your work from one company you could be considered there employee. My father has been a roofing contractor for over 35 years and he's had to deal with subbing issues several issues.

Right now going rounds with the workmans comp. company who just sent me a letter stating I owe them $37,800 from 2008. 15 years ago my father got a letter stating he owed $87K but they dropped it to $0!!!

It's getting harder and harder to run a business here in MN but they say WI has even tougher laws in effect than MN.

I have a friend who's 72 with a very low gen cont. lic. number who's still running as a sole propieter!

I've been incorporated since 2004, the tax savings are good.

Getting a license is easy. Put $200 on a Visa card and book a ProSource class on how to pass the gen cont. test. Put $90 again on that same Visa card and book two tests and Experior. When you have those things done you get your gen. liability policy and workmans comp policy (no coverage) and your good to go. Of coure none of this will promise you any work.

Share this post


Link to post
Share on other sites

I would get your LLC. It costs you less than $200 if you do it yourself. Just download the form off the MN Dept of Labor site and fill it out. It is only one page and VERY simple. This allows you to sub work from other contractors without an ICEC. It also will protect your personal assets in the event of a law suit or liability issue. If you are a subcontractor, many contractors still require you to have a workers comp policy even if you are the only one working. As a new contractor it is also getting tougher to get insurance. Many insurance companies are not writing new policies and the ones that do put you in the pool insurance for the first two years which does not have a very good rate. Good Luck.

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

Sign in to follow this  



  • Posts

    • who's the old guy sitting on the sled in the second picture?
    • Might want to give us some more info on the model/year of that thing.   Might also want to check with minnkota directly.  Just because they discontinued the product doesn't mean they don't have a crate full of these things in a warehouse somewhere.
    • I thought my buddy might be interested, but it's not in his budget right now. Good luck on the sale.
    • I agree. They also work well in deep water. I can get back down noticeably faster with the 6061 black betty than my best spinning reels.
    • I will say having the freespool feature when your on top of a school a perch moving through has put more fish in the bucket for me. Way quicker than hand lining a spinning reel. Once you get the freespool dialed in and running smooth,  you  can get your bait right back in front of the fish effortlessly. It makes a world of difference when your in a hurry. I run and gun on the ice and most lakes and sloughs here in SD are not that deep so works great for me.
    • I live right outside of Moorhead and see a few in the winter now days. About 8 yrs ago they moved into the shelterbelt around our place and there were about 50. It was nice to see them. I grew up in Harvey N.D. and we would go out and shoot a pickup box full in a night. That 250 - 300 jacks in a night. We would sell them to a guy that had a Mink and Fox ranch and get 50 cents each. The amount of jacks we would see in a night would be in the 1000's.   I think all the chemicals and pesticides are killing them off. We dont see the Meadow Larks like we use to either.
    • They work great on a super limp rod in 10 ft or so for tiny jigs on panfish, eliminating spin. Worthless after that. For this purpose expensive ones are a waste. 
    • I actually have one but it is up north and I won't be in a position to get it until next spring.   So PM me if you still need it then and you can have it.   Been a few years since I used it, but it worked when I stashed it in the attic.   They are not too hard to take apart and clean, and that might help.  Let me know in May if you still are in need.  
    • Another solution is to get Handheld radios (FRS/GMRS) especially if there's weak cell signal.
  • Our Sponsors