well... you most likley need to contact an insurance agent for liability and omissions insurance. 1million is around 4-6k depending on where you are. 1099 can

well... you most likley need to contact an insurance agent for liability and omissions insurance. 1million is around 4-6k depending on where you are. 1099 can be dangerous for them since if you don't pay your taxes, the IRS can come after them, since, well you don't have the money and they, as a company, (likely) do. See if you can make an LLC/scorp and just do corp-to-corp for them?