My licensor is treating me with disrespect during her home visits. What can I do?

Try to talk about this with your licensor. Tell her what you believe is disrespectful and ask her to respond. Keep a written record of what your licensor says and does. If you don't get satisfaction, talk to her supervisor.

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If I form an LLC do I still need business liability insurance?

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Do I need workers’ compensation insurance if I only hire a substitute for one day during the year?