1099 Driver Vehicle Insurance Coverage

You can't legally work as a 1099 if the vehicle you're driving belongs to anyone other than yourself. You're opening up yourself for too much liability legally. Your boss could still yeah our coverage will cover you, but at the end of the day he could always just Throw all liability on you because if you're a 1099 you don't work for him in the eyes of the law or IRS.

 

Well that's incorrect, the vehicle has nothing to do with it, what does is how you are treated and the relationship between the owner and yourself as a contractor.

If he gives you work, tells you how to do it in any way and you can't refuse without being fired, you are an employee. AND to back this up, if he says you get X hours vacation time, you are an employee - 1099 is a contractor and has no vacation time, they are legally free to refuse work.

The IRS is concern with the taxes, they could really care less about the labor aspect of the relationship, the state department of labor, usually the wages and hours part is concern with a persons classification.

As for the liability, it is on the owner, nothing on the contractor. If you get into an accident, then you have the same liability as if you were driving as an employee. Further more he can't tap you for any of the insurance costs for any reason. AND yes they are by LAW to cover the vehicle in all the states with insurance, they can not let it lapse.

 

Misclassifying is done on purpose to throw all the liability on the worker and not the "employer". I recommend against it.

Prime just lost and I believe so did swift. Lease operators are employees.

If you use someone else's truck you're an employee because you can't "take your ball and play else where" is the quote I recall reading.