When you're self-employed, getting hurt can disrupt your income and your ability to run your business. For example, if you get hurt in a car accident and can't work for a month, you're going to lose a significant amount of money. While employees generally have access to workers' compensation benefits, paid leave, and disability benefits, you're on your own. If you don't have your own independent insurance policies or a padded emergency account, you'll be covering everything out of pocket.
Marc Berman is a writer at the Palm Beach Post. He focuses on a diverse range of topics including technology, software, construction, real estate, and marketing, with a particular interest in home and garden design and residential real estate. His work has been featured in notable publications such as the New York Post, USA TODAY, and The Boston Globe, among others.













