I have two clients at the moment. One pays monthly, 30-45 days after invoice and sends me a paper check. The other pays me twice a month, 15-21 days out (weekly

I have two clients at the moment. One pays monthly, 30-45 days after invoice and sends me a paper check. The other pays me twice a month, 15-21 days out (weekly time submission), and it's direct deposit. Like clockwork. You would think it shouldn't make a difference but I can tell you that it does absolutely make a difference. It's just professionalism. You're right also about liability and workers comp, though I believe every state is different. Some states are more friendly to small businesses of course. So it makes sense to get yourself an accountant, especially if you calculate the amount of hours it would otherwise take you to do that work. Those are hours you could be working.