it isn't without risk either. as a small company, your insurer can drop you at any time if you start to get too expensive. though this is wildly illegal, if you

it isn't without risk either. as a small company, your insurer can drop you at any time if you start to get too expensive. though this is wildly illegal, if you confront them about it, they know you're a small company with razor thin margins and even if you win a multi-year lawsuit with them, you'll need other insurance in the meantime. so, they say "yeah well we'll see you court", and leave you with 1.5 weeks to get a new insurance policy for your employees...