Business Insurance for Independent Contractors: What You Need and What It Costs
General liability, professional liability, client contract requirements and what drives the price of business insurance for independent contractors.
insurance
Insurance guides for freelancers and the self-employed: health, dental, disability, liability and workers’ compensation coverage. Each guide explains what the coverage does, when it is required and how premiums are treated for tax purposes.
Workers’ Comp for Self-Employed: Do You Actually Need It?
State rules, who must carry workers’ comp, California contractor exemptions, and alternatives like occupational accident insurance.
Affordable Health Insurance Options for the Self-Employed
How ACA marketplace subsidies, the self-employed health insurance deduction, and HSAs fit together for self-employed coverage.
Current Mortgage Rates for the Self-Employed in Essex County
Why self-employed borrowers in Essex County are underwritten differently than W-2 buyers, and how your own deduction strategy can work against you.
MassHealth Guide: How to Provide Proof of Income as an Independent Contractor
What documents MassHealth actually accepts as proof of self-employment income, and how to handle irregular or recently-changed income.
Solo 401(k) vs. SEP IRA: Which Is Better for Self-Employed Retirement?
How a Solo 401(k) and a SEP IRA differ in contribution room and flexibility, and which one fits depending on your income and timing.