Elder Companion Care as Contractor? Help please!
I do non-medical companion care thru an agency which insures me, but takes a good portion of what the clients pay, etc.
I am thinking about working directly for a client as a "contractor" in his home. (I don't have any business set up or an LLC or anything.)
What do I need to have to make sure I am covered as a contractor?
-Liability coverage? How much
-Change my car insurance to commercial or just increase my own coverage? (I'd be taking him to store, barber, etc. in my car)
-I'm guessing in this area (major metro city) the agencies charge around $23 - 25 / hr. Companions get $10 / hr. What could I charge going directly? Could I go as high as $20 / hr?
- Anything else I should do / know?
(I don't want to LLC as it may just be a short term gig.)
Thanks for any input.