Are you a jointer and want to start as an independent contractor? Are you wondering which legal status to choose for your activity as a plasterer? Would you like to know the advantages and disadvantages of each status for your company? Are you looking for specific information on the insurance and guarantees required for your job?
A jointer, what is it?
The pointer is a craftsman in the construction industry, specializing in the work of plaster and building materials. It is a manual trade which consists of the application, sanding and smoothing of coatings, the installation of plasterboard, the development of partitions and the renovation of buildings. The pointer is also involved in the production of plaster ceilings and in the installation of false ceilings.
Legal statuses for a pointer
To carry out your activity as an independent contractor, you must have a legal status. The different statuses proposed for a pointer are the status of Auto Entrepreneur, the status of Micro Enterprise and the status of Company.
Auto entrepreneur status
The status of Auto Entrepreneur is the simplest and most accessible status for creating a pointer business. It is governed by the Simplified Micro Social Regime and allows you to benefit from numerous tax and social benefits.
This status is particularly interesting for craftsmen who have a low turnover and who wish to exercise a complementary activity. The Auto Entrepreneur must take out professional civil liability insurance and is not subject to the obligation to take out ten-year insurance.
The status of Micro Enterprise
The status of Micro Enterprise is the most advantageous status for artisans who have an annual turnover of less than €70.
This status makes it possible to benefit from various tax and social advantages and to be freed from social and tax charges. The contractor must take out professional civil liability insurance and if he carries out public works, he must also take out ten-year insurance.
Company status
The status of Company is the most suitable status for craftsmen who have a significant turnover. It allows you to benefit from tax and social benefits and to obtain greater legal protection.
The Company must take out professional civil liability insurance and must take out ten-year insurance if it carries out public works.
Which status to choose for a pointer?
The choice of legal status depends on your activity and your turnover. If you want to start as an independent entrepreneur, you can opt for Auto Entrepreneur status if your turnover is low or for Micro Enterprise status if your turnover is less than €70.
If your turnover is significant, you can opt for the status of Company which offers greater legal protection and tax and social benefits.
Compulsory insurance for a jointer
Jointers who operate as an independent contractor are required to take out professional civil liability insurance. This insurance is essential to protect your company against the consequences of damage caused to third parties, their property or their persons.
If you carry out public works, you must also take out ten-year insurance. This insurance covers damage for 10 years following the completion of your work. It covers damage that occurs as a result of poor design or poor execution of the work.
The pros and cons of insurance
Compulsory insurance for jointers offers many advantages. They allow you to protect your company against the consequences of damage caused to third parties, their property or their persons. They also protect you against the consequences of damage that occurs as a result of poor design or poor execution of the work.
However, insurance is very expensive and can represent a significant part of your expenses. They can also lead to delays in reimbursement which can slow down the process of carrying out the work.
How to choose the right insurer?
In order to choose the right insurer, you need to consider several factors. In particular, you must check that the insurer is well approved and that its cover is sufficient for your activity. You should also compare the rates offered by the different insurers and make sure that the contract is suitable for your activity.
Finally, you must check that the insurer has a good reputation and that its customer service is attentive to your needs. This will allow you to find the insurer that will best meet your needs and expectations.
Conclusion
Jointers who work as independent contractors are required to take out professional civil liability insurance and ten-year insurance if their work is intended for private individuals. These insurances offer many advantages but they can also lead to high costs and reimbursement delays which can slow down the process of carrying out the work.
In order to choose the right insurer, you must take into account several factors and make sure that the contract is adapted to your activity.
Conclusion
The choice of legal status is an important step for a pointer who wishes to start as an independent contractor. The status of Auto Entrepreneur is the most suitable for craftsmen who have a low turnover. The status of Micro Enterprise is the most advantageous for craftsmen who have an annual turnover of less than €70. The status of Company is the most suitable for craftsmen who have a significant turnover and who wish to benefit from tax and social advantages and greater legal protection.
