One of your more well written and thought out posts as of late. I'd say, if you are doing work like this, just have the person pay cash or a check in your name. Are they asking for a COI for workers comp and liability? I saw where Hardee's is advertising a meal for $4 now which includes two sandwhiches, fries and a drink. You may be forced to eat meat broseph. It's the only way to offset these tax increases.