Yes, I was self employed for years. I am not now. I did not have employees and I paid for my own health insurance. I had a million bucks in liability insurance, but this was also pre-2008 crash so that was a different economy. The 2008 crash killed it pretty dead, I made it through 2010 before I ran out of money and threw in the towel.
I sometimes think of doing it again now that I am more mature, but I got pretty tired of the dog bites and resulting infections, stitches, and medical costs are just too insane these days compared to pre-2008.
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