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Which Independent Contractors Should You Require to Have General Liability Insurance?

CMMA Blog

We’re like anyone else: if there’s not a good reason for red tape, we’ll happily skip it. Sometimes, though, it seems there’s no work without a mountain of paperwork. Still, there’s one thing we know is important enough to require our independent contractors to carry: general liability insurance. We are so serious about it because we want clients to be as successful as possible. It may seem to slow things down up front, but we know it helps our clients pull off the best projects, productions, and events as possible.

Priceless Protection

Like all insurance, it can seem like overkill to carry insurance for just about everything under the sun. That is, until you need it. Once you’re in that position, the benefits are priceless. Keeping certificates of insurance on file positions you for stress-free, penalty-free audits. When an independent contractor doesn’t have coverage, it puts everyone involved at risk of costly audits and potential lawsuits. When you’re tied up in a legal battle or struggling to pay fines, it’s really hard to pull off flawless events, projects, or productions. Insurance protects clients in the event of property damage, audits, and more.

The Bottom Line

Sometimes clients don’t see the value in requiring insurance for what they perceive as low-risk roles, but let’s answer that first question right now and bust a myth while we’re at it: Requiring insurance for every independent contractor protects all parties. There’s no such thing as a low-risk role.

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It’s That Time Again: Gift Guide For Everyone From The Minimalist to The Techie in Your Life

CMMA Blog

The holidays are upon us and so are the sales. You’ll find tech, entertainment, gadgets and experiences for everyone from those who are averse to letting new items cross the threshold of their home to your tech savvy loved ones. Here’s our curated list for just about everyone in your life—from the tech junkies to the minimalists (and maybe even for yourself)!

For When Your Loved One is Ready to Toast to a New Year

Get a wine / beer / liquor subscription or a home-brewing hard cider, beer, or wine kit if they’re extra adventurous.

For Your Family

Have some fun together.

For The Crunchy Folks

This Wellness Mama list is for the granola-bar making mamas looking for an environmentally friendly/healthy option for everyone from their kids to the grandparents.

For The Tech Enthusiast

45 of the best tech gifts for the gamers, gear junkies, and media fans in your life.

For The Minimalist

Minimalists don’t want things…at least not things they didn’t thoughtfully consider before allowing into their lives. So for people who want nothing, you’re better off either getting something very personal or sticking with experiences. Yep, it’s harder to think of ideas for that than just to grab a mug with the person’s initial on it at Target, but this list of ideas will help.

For The Travel Lover

This might be the perfect time to buy something for travelers itching to get back out to see the planet. This list sticks to gift cards because, while those living on the edge might be ready to book a nonrefundable option, most people will probably still feel a little safer with flexible options.

Bottom Line

It may seem early to start thinking about

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