Vince, as Dave Ramsey would say, "you have a income crisis."
As Marcus Lemonis would say, "You are tripping over dollars to get to nickels."
Your insurance would normally cost you $3300/year. Wouldn't you rather pay that with a much larger income? I could see if your business is afloat with tons of cash, but I doubt it is.
You are doing everything else right, but you, my good sir, have an income crisis.