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maybe a bad question to ask.......are you with holding taxes? 1099 aint an employee. You certainly can find just an accountant to do it for you......but you will need the EIN number, and they will dang for sure follow the rules. A 1099 is a sure way to get an audit

WC aint cheap but its gold when you need it. Don't let your past opinions color the importance of it. You can opt of coverage and just find a disability policy for yourself in case shit gets ugly