Small jobs carry almost the same fixed costs as big ones. Here is how hourly, minimum-plus-hourly, and flat-rate pricing each handle that, and which one holds up.
The wage is the smallest number in the calculation and the only one most owners run. The rest of it decides whether the hire works or quietly drains the year.
Exclusions read like a list of ways to be turned down. Most of them exist because the risk they name behaves in a way ordinary insurance cannot absorb.