Small Business Owners – Ensure that Your Subcontractors Carry Their Own Insurance Policies

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If a small business employer (say 4 employees) offers insurance are they required to offer family coverage also?
I’m looking at the diferent ways of saving money. how can i save money or in what ways will i be saving money with a general insurance policy or company?
Can I get a life insurance policy that covers me rgardless of my domicile?

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