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    Do I need a contract?

    Yes — always review the contract! Pay rate, cancellation policies, scope of work, and insurance requirements matter.If unsure, consult an attorney.

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    Do I need to have my own liability insurance as a 1099 contractor?

    Yes. Because you operate as an independent business (sole proprietor or LLC), you are responsible for maintaining your own professional and general liability coverage. This protects you and your business from claims related to your work, errors, or accidents while on assignment. Resource: Caregiver Liability Insurance Quote (CM&F): https://access.cmfgroup.com/s/formrouter?producer=0031K00002jLdoGQAS