What happens if you are unable to earn because of a deactivation, car accident or hospitalization when you deliver for Grubhub, Doordash, Uber Eats, Instacart or any of these other platforms?
As an independent contractor, you are on your own. There's no backup.
Unless you've created a backup.
Our guest today is Leah Chasser from Kover.AI. Kover is a benefits company for gig economy workers that specializes in income protection. Leah talks to us about the services that Kover offers for delivery contractors and other gig workers.
Leah is also offering a special offer for listeners of the Deliver on Your Business podcast. If you sign up through our affiliate link here at Kover.ai you can get the first month at no cost to you. This gives you a risk free way to check out their services.
In last week's episode, Bryant from LegalRideshare gave a glowing endorsement of Kover. In fact, Kover and LegalRideshare work together to provide attorneys letters to gig companies requesting reinstatement if a driver is deactivated by Grubhub, Doordash, Uber Eats or any of these other gig delivery apps (or rideshare apps).
If you are an independent contractor who relies much at all on your delivery income, you should be providing some form of protection. Kover is one option. There are other things you can look at. One of the most effective things you can do is create your own emergency fund. If you've established a large enough emergency fund, you may not need a service like this.
Personally, I have an emergency fund but also subscribe to Kover. My emergency fund makes me feel comfortable with the mid level package that Kover offers.
Either way, what ever your method is, protect your delivery business.
You can visit the associated blog page for this episode at Entrecourier.com/95
This week's sponsor
We didn't exactly have a sponsored portion of the episode today. I mentioned above that my link to Kover is an affiliate link. That's a form of sponsored link, in that I can receive commission if their service is purchased, and that helps me keep this website and podcast operating.
If you visit Kover off my affiliate link, Kover will provide the first month of membership to you at no cost to you. It's a great way to check out their services.
More about the EntreCourier
You can get more tips and ideas at our website, Entrecourier.com
Our Podcast page is at DeliverOnYourBusiness.com
Sign up for our weekly Courier Nation Motivation email
Get in touch with us
Follow us on Facebook
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What happens if you are unable to earn because of a deactivation, car accident or hospitalization when you deliver for Grubhub, Doordash, Uber Eats, Instacart or any of these other platforms?
As an independent contractor, you are on your own. There's no backup.
Unless you've created a backup.
Our guest today is Leah Chasser from Kover.AI. Kover is a benefits company for gig economy workers that specializes in income protection. Leah talks to us about the services that Kover offers for delivery contractors and other gig workers.
Leah is also offering a special offer for listeners of the Deliver on Your Business podcast. If you sign up through our affiliate link here at Kover.ai you can get the first month at no cost to you. This gives you a risk free way to check out their services.
In last week's episode, Bryant from LegalRideshare gave a glowing endorsement of Kover. In fact, Kover and LegalRideshare work together to provide attorneys letters to gig companies requesting reinstatement if a driver is deactivated by Grubhub, Doordash, Uber Eats or any of these other gig delivery apps (or rideshare apps).
If you are an independent contractor who relies much at all on your delivery income, you should be providing some form of protection. Kover is one option. There are other things you can look at. One of the most effective things you can do is create your own emergency fund. If you've established a large enough emergency fund, you may not need a service like this.
Personally, I have an emergency fund but also subscribe to Kover. My emergency fund makes me feel comfortable with the mid level package that Kover offers.
Either way, what ever your method is, protect your delivery business.
You can visit the associated blog page for this episode at Entrecourier.com/95
This week's sponsor
We didn't exactly have a sponsored portion of the episode today. I mentioned above that my link to Kover is an affiliate link. That's a form of sponsored link, in that I can receive commission if their service is purchased, and that helps me keep this website and podcast operating.
If you visit Kover off my affiliate link, Kover will provide the first month of membership to you at no cost to you. It's a great way to check out their services.
More about the EntreCourier
You can get more tips and ideas at our website, Entrecourier.com
Our Podcast page is at DeliverOnYourBusiness.com
Sign up for our weekly Courier Nation Motivation email
Get in touch with us
Follow us on Facebook
Folow us on Twitter
Connect with us on Linkedin
Follow us on Instagram
And now we're on Pinterest
Well, hello, Courier Nation. Welcome to the Deliver on your business podcast, where you are the boss. Each week we talk about how to make the most of your business as an independent contractor, as a courier delivery for gig economy apps like Grubhub, DoorDash, Postmates, Uber Eats and so many others. Well, hey, Courier Nation, I'm really excited about this interview today. I've got Leah Chesser with covered by a Kover.Ai spelled Kover. And actually, I think I was originally trying to pronounce it Kover and just because the way it's spelled or something like that. But cover actually makes more sense because you pronounce it the same as the word cover with a C. And that's a lot of what they do is they provide some coverage for independent contractors, especially in the gig economy. And last week, if you listen to our interview with Bryant Greenling of Legal Rideshare, Bryant mentioned Kover and he talked about how it's it's something that every contractor should be thinking about. I first found out about cover, actually, as part of doing a trial run on our thirty one day courier MBA course, and one of the participants had asked about, Have you heard of these guys? No, I hadn't, and I looked him up and I thought, OK, this is really interesting. There's I think there's there's a fantastic service that they are providing, and so I'm excited to be able to get them on here today and talk about what they're doing because I think as independent contractors, you know, the thing is we are on our own, we are completely on our own. I think a lot of contractors don't even realize that we're on our own, and there are a lot of things you can do to kind of protect yourself. But sometimes Murphy moves in, you know, Murphy from Murphy's Law kind of moves in and things happen that you don't have any control over. And so I've been actually very impressed by what they had to offer. And so I'm glad to have Leah Chesser on to talk about kover. Leah is the strategic campaign manager and kind of an integral part of the organization. And so I'm glad to have Leah Leah welcome. And can you give me kind of an overview? Tell me a little. You can probably explain Kover a lot better than I can. And what do you guys do? Yes, well, thanks for having me, Ron. So first off, really, we're a benefits company. We're looking to disrupt the markets that are underserved, and one of the best examples of that is the gig economy. We replace lost income during times of emergencies. Specifically, we offer income protection during deactivation. If you're hospitalized and if you experience a car accident and your car is being repaired, obviously during those times you have no way of making an income with those gig apps. So we're here to help you keep keep your income coming and making sure that you're able to have all the necessities that that you need in everyday life so that when these things do happen, you're not going into a downward spiral. Absolutely. You know, and that's the thing is especially, I think, now more than ever with a lot of people moving into things like delivery, work and rideshare. Maybe not as much because of the pandemic that seems to have taken a drop. That delivery has picked way up, and you've got a lot more people that are actually relying very heavily on this income. And now that, you know, especially now that a lot of the extra unemployment benefits have gone away, something that would stop you from being able to deliver could really be a huge hit. And so having a protection like this really is, I think it's huge. Tell me a little bit, how did you guys get started and how did you choose the gig economy protection? Yeah, so so our founders had this idea about two and a half years ago, they were accepted into Techstars after they graduated from that program. They launched initially just a product for rideshare and then COVID hit, and the rideshare obviously wasn't doing too hot. They realized, Hey, we need to reevaluate this and decided that they need to open up these products and these benefits to all gig workers. So that's where we are today, and we were able to offer our services to DoorDash, Instacart, Postmates, Grubhub, no low shipped Amazon Flex Lyft Caviar and Uber. And we're always looking to add new, new platforms every day. Okay. And all of those seem to be delivery or rideshare. Have you had any people subscribe yet that are kind of in a sort of a gig economy type of thing, but maybe you're outside of those areas yet? Or is that something that's more kind of a future possibility? We have had people who are interested who use different types of gig apps that we don't currently service, but I can say that is something that is is in the works and we're we're constantly trying to move forward so that we can be able to offer, you know, what's needed, which has benefits to all gig workers. OK. And as you mentioned, you're a benefit company. And so I think what I'd like to do is just, I notice, like on your web site, you kind of list a number of different benefits. So maybe that's kind of explore some of those. You can kind of explain what some of those are the first one that I notice, you know, that stands out right away. And we've already mentioned this a little bit as income guarantee. This is this is kind of a big one, especially for those of us that if we don't have any other insurance, how does that income guarantee work? What do you do in that situation? Sure, so the income guarantee is Kover replaces your lost income after an accident or an emergency. There's three different crises that we can help with. Like I said before, there's the if your car is in an accident and it needs repaired, we cover your lost income during that time if you're sick and you have to stay in the hospital. And also, if you are ever deactivated from your platform, we also cover your income during during those times. So it's income protection for those those three crises that that can and sometimes do happen in a worker's life. OK. And so let's say something like that happens. Let's say somebody is deactivated, and it seems like there's been a wave of that happening lately. How what kind of coverage do you provide and how does that work? What you know? How long does that work? And you know, how do people then, I guess, kind of get that protection in? Sure. So specifically for the the deactivation part of part of our benefits, we replace 80 percent of your lost income when you become deactivated. In addition to that benefit, there's also a perk that we offer called our legal help. And in that legal help, you receive a deactivation letter. We have partnered with legal rideshare and they have been able to provide us and our members with a legal letter. Now what happens is if you become deactivated and you know you want to have a bigger say in what happened, you can go in and request your legal letter. You'll be able to fill out what happens. Of give us give them some background about the situation that is sent and they will reach back out. You get to talk with them about about what happened, and they will write up a letter that they will send to these big platforms. And the hopes in this is that. If you were to do this on your own, these big, big companies are just they're used to seeing people, you know, refute the activations all the time. It kind of ends up being just white noise. But when you have a letter from like a legal firm going out it, it kind of brings more attention to you to your case. And we've actually been very pleased to have seen many of our our members be reactivated because of these letters. It's not a guarantee, but we feel that it's very valuable and just offers peace of mind to to to all of our members. Yeah, yeah, absolutely. And and that's the ideal is if you can get your income back in that situation. And I do want to stress, you know, there's not a guarantee, but that it definitely gives you a little more power than, I think what you had before, because I think it's a part of the problem is, you know, you see something like that happen and you think, Well, you know, I could probably take them to court over this. But do you have the resources? Is it even worth the time with an attorney, not to mention, you know, maybe what the expense would be and would it even work anyway? So this could be huge. I think this could really be huge. Like you said, it's not a guarantee, but I think that's where your income guarantee kind of helps out, too. Exactly. It. It provides you some income to at least make up the difference for, I think it's up to two weeks, isn't it? And and that at least gives you some time to make some other arrangements so that you can maybe pick up something else in its place. Right. And and that's why we're we're really happy to be able to offer the the income protection for the deactivation, but then as well, you also receive that perk of the legal letter and consultation through our partners with legal right? Sure. Sure. Yeah. And I think that's that's just one reason right there. And you've got I think you've got three different levels of people to sign up for. There's kind of a full time, there's a part time and then there's like the other, I think, would you call it the side hustle or something like that where it's just kind of like, you know, you just do a little bit or casual? I can't. Yeah, yeah. So there's the casual plan seven, $7 a month for part time is 19, and the full time is forty nine. And with each one of those plans, they cover different, different time periods, different up to different amounts. So we we just offer these plans because we know that not everybody is full time who is sure is a good worker, you know? But for those who you know our full time, we've got that option. We've also got more of a casual part time type option for for those who are not going, not going 24-7 with gig work. Have you noticed a lot? I think, of course, you kind of made this pivot, you know, during the pandemic. So you kind of right in the thick of it as you made this change and expanded to delivery. Have you noticed a lot of people having to get some assistance because of either, you know, getting COVID or maybe being in quarantine because of it or anything like that? As far as COVID type related issues go, I guess I'm not quite sure I can say so for another one of our benefits is hospitalization so right? Let's say you, even if you were to fall down the stairs at home, even though that didn't happen while you were using your your app and you end up being hospitalized because of that, your you would still be able to apply for your your income protection through cover, so it doesn't have to be work related. No, no. That's something that's something I thought was pretty cool. Yes, absolutely. And also, I guess as far as COVID goes, I think this is kind of your question was if somebody needs to be hospitalized because of COVID, can they request a hospitalization payout? And the answer to that question is yes. It doesn't matter why you're in the hospital and if you are hospitalized, you are. You can request a payout for for that hospitalization. Okay. But it doesn't necessarily maybe cover if somebody is quarantined. But no, it does not. In those instances with a lot of these gig companies, if you've got a doctor's letter, you can actually submit to them and they will provide coverage, you know, based on the average of your, I think a lot of them say, like the last three months, average or something like that. You also provide something along those lines where you mentioned, I think you say something about telehealth consultations. What does that provide and what does it not provide? Sure. So our telehealth perk is through phone men. It's an opportunity for our members and their immediate family to have a chance to speak to a health professional 24-7. This is not a health care plan, but it is a chance for all of our members to be able to seek medical advice whenever they need it. It does not provide. I believe it doesn't provide any like pharmacy type subscriptions, things like that. It's it's a chance for for you to be able to speak to somebody before you make that decision to enter the hospital. Do the doctor, do I need to go to urgent care? And again, it is 24-7 and it's offered to our members immediate family as well. So something that you know, gosh, how many times have I had something where something seems a little off? And how much time do you spend on Web M.D. because you don't want to call the doctor yet or something like that, right? Here's somebody you can actually talk to that can kind of walk you through. And sometimes, I think, just help you with the next steps and figure out where to go from there. Exactly. You mentioned your your relationship with legal rideshare. And I know like in the episode last week, you know, Bryant had mentioned. You said that, you know, I'll give you the quote, he said, covers a really great company. It's something that every gig workers should be aware of. So you mentioned, I think you know, that you've had some good success with that. I think that's a really important thing. Have you noticed anything? I think what those deactivation is kind of, well, I'm mentioning that if you guys noticed any trends or patterns, does it seem like it's happening more lately or anything like that or. I can't say that I personally know of any trends that are happening, but I do know that we have seen a very large response to these deactivation letters. Our members see the value of having that protection. So we have seen I'm not sure about, I can't say as far as trends go because I just I don't know. But as far as has there been a wide use of the deactivation letter and the answer to that is yes. And I think it's because they see the value of having that, that protection, you know, certainly that extra voice that's going to bring light to their case more than if it wasn't there. Yeah. I mean, for me, it's been, you know, more than two and a half years now of doing, you know, deliveries and things like that and being active in a lot of forums, Facebook groups, different things like that. And, you know, normally you kind of see those trends. And it's just been interesting because I've never seen anything quite like this where just a lot of people have been reporting. And sometimes it seems like for the silliest reasons or they're not given a reason at all. And so that's why I was that's that's why I wondered and I'm not sure what that's about. I don't know if it's just because they hired so heavily to keep up with the demand. And now that a lot of this aid money has run out, there's not as much demand and they got to find some way to scale down. I don't know. Anyway, that's a different matter. Different issue, probably a different episode. Is there anything, I guess maybe that you could offer, maybe from your your experience or seeing what's happened, maybe seeing some of the reasons that you'd offer to drivers that might help them maybe avoid termination? Any kind of things to look out for, you know, beyond the obvious, like don't steal the food, don't get into a fight with the customer like that I this is probably obvious still gig workers, but definitely having a camera of sorts so that you have evidence of what you know, what you did, what they did, and you can just see the story play out on its own. And that's just that's just my suggestion, certainly. No, absolutely. I think that's documentation, you know, documentation. Huge. Yes, I do things now. I just put in a dash cam myself. I've got a recorder on my phone that records everything that happens so I can see any of the notes that pop up just just almost overboard. But it's but you're prepared so that you can do whatever they say. Problem is, a lot of times they don't even tell you what you did and then how do you find the documentation? And that's hard. Mm-Hmm. If that legal letter is unsuccessful, do you have any suggestions for anybody? What is there anything they can do next that you guys know of? At the moment, I don't have a suggestion for that, but if if I was in that place, I would definitely have more than one app. I would not depend on just one gig app in case something like this does happen, and for whatever reason, they're not, it's not able to be you're not able to be reactivated. You still have multiple ways of maintaining an income. I just think that would be be wise. Sure. No, I totally agree. Because here's the thing. I mean, guys is as independent contractors were running a business and this is something that I say a lot of times is that because we are contracted as a business, it's the people that you contract with that are actually your customers. And that means Grubhub, DoorDash, Uber Eats, any of these companies are actually our customers and any business that is relying on just one customer is is setting themselves up for trouble because you could lose that customer. And it's kind of what happens here. And so one other question, I think related to some of the benefits where I think you have on your page something about a tax benefit. Tell me a little bit about that. Sure, so our tax benefit is through a an app called hurdler, so hurdler automatically tracks all of your mileage expenses or income streams and your tax tax deductions in real time. So whenever you sign up with cover, it doesn't matter what plan you do, you casually into part time new full time. Any of those plans come with a free hurdlr premium accounts. So that is one of her perks, and it's offered to all of our members and goes hurdler is. I've just recently been starting to play with that. And right now, if there was one app that I would recommend that you have for your your expense and income tracking and for your mileage tracking, hurdler tops the list. They run circles around some of the others, including, in my opinion, I think they're far better than QuickBooks self-employed, and I've done some reviews on that. On the QuickBooks self-employed program, hurdler is much more flexible and it's better priced for what it does. In fact, I think hurdler if you do, the month to month on the premium is like, I think it's like 799 a month or something like that. So it actually costs more. Then the lower level plan that you've got. And that's actually right. That's correct. Actually, it's more affordable to get the the the casual plan than it is to like you just so get the premium on your own. So you want to lower premium and you want benefits and perks, get the get cover. Oh, absolutely. Yeah, I think, you know, and that is just I mean, it's kind of like, right there it it makes it so worth it. I think for any of the levels that you do. Anything else that you've got in the works, maybe that you can kind of tell about or that you guys are ready to tell anybody about yet or I don't have anything disclosed at the moment. But like I said earlier, we are constantly in talks, reaching out, trying to get more and more of these these gig apps not be able to service everyone who's using all sorts of different dig up. So we are in the works with multiple multiple things, but nothing that I can disclose at the moment. OK. OK. And that's fine. And this I mean to me, especially if you're full time, if you rely almost exclusively on or even exclusively on your income from doing delivery or rideshare, anything like that, folks, this just seems like a no brainer to me. And especially for a full time person. But you know, what about part time drivers? Does it make as much sense? Maybe for somebody that does it 15 20 hours a week, or maybe even for the person who you know, they'll go out, maybe on a on a weekend and just do a few hours just to earn some extra money for whatever? Where does that person fit in? I think it's up to every individual what the value they see of of their their hard working and their time and then come that they make. That's why also we've we've been able to offer the three different plans. So there's the casual the part time to full time for those who fall more into the casual part time plans. I still see a very, a very big need for for protection. And it's not just your income that's going to protect it. You also are receiving all of the different perks as well. So you know you're still getting the telehealth, you're having your income protected, you're getting the free premium, you've got your deactivation letter. It just goes on and on. So to me, even if I'm not working full time doing gig work, I still have so many, so many avenues of protection and I see the value in having and having a benefits program like Kover. So to be able to have peace of mind and also just so that I know that if anything does go wrong, it's OK. And it's it's affordable. Yeah, absolutely. It really is. It's it's a form of insurance, really. Probably not. Technically insurance. I've been trying to figure out where I would put it on my tax form. But I think it kind of probably fits best, maybe under things like memberships or something like that. But it really is. It's just. For as low as $7 a month, it's just it's a no brainer. And can you tell me a little bit, I guess? How does somebody get started withkover if they want to get into this? Sure. So if you're interested in kover, actually, I think, Ron, we have a one month free deal that Ron is a Ron you are able to provide for your listeners. So what you want to do is you want to go to kover, you'll click, get a quote, you'll be locked through the process there and you'll be able to see what type of packages you would like to like to choose from and that will start the process. You'll be OK. We will reach out to you and let you know when your membership is live, and from there you'll want to link any of your apps, any of the your gaps that you have. So that way, if something does happen, you are going to be covered for all of your income, not just one app. And that's another thing you don't need multiple kover memberships. All I do DoorDash, Instacart and Postmates. So I need three. No, you just need one. And just like all of those so that if that you ever need to request a payout, you will be covered for all your lost income, not just one app. OK, OK. And here's the thing, folks, it's like. You can, and this is great, I think that you guys are offering this to our listeners here that you can do that first month for free, so you get a chance just to find out what it is and and if nothing else, it gives you a chance to play with the hurdler app and get a feel for that, as well as just be covered. And then you can kind of decide after that. Do I keep going? Or, you know, maybe, maybe this isn't for me, and that's OK, too. But I think once you get on to it or something like that, it just it starts to make sense. There's we'll have a link in the show notes. You can go to it, you can. To take advantage of this particular offer, you can go to entrecourier.com/kover. And I think if you misspell it, I've got a set up. So you do /cover, it'll still go there and or, you know, we've got on the episode page under entrecourier.com/95 for episode 95. It's got the transcript of all everything that we said here, and we'll have the link there as well. So that just a few different ways that you can get to that to take advantage of it. And like I said, there's there's no commitment required. You can you can try it out for a month and then you can decide, OK, does this make sense or not? And you can go from there. One thing I would tell people is, you know, because I signed up for this a little while ago and. I will admit probably the first time when I signed up, it kind of freaked me out a little bit because I had to log into my different accounts, and I know a lot of people are kind of afraid of stuff like fraud. These guys are legitimate. There's there's nothing to worry about there. They're not going to steal your money out of your account or anything like that. But what that does is it gives it gives them some documentation, it gives them the information. So if the worst thing should happen, if you need to rely on them, you lose your money from DoorDash because they deactivated you unfairly or your car, you know, gets wrecked and you can't drive until it gets fixed. They already have all the information they need to be able say, OK, there's so much we're going to pay you. And it really just makes it turn around so much faster. Anything else, maybe, that you might want to throw out here as we kind of wrap this up here? As as you know, the gig economy is just it's just exploding, really. There's just so many more deliveries, so many more shoppers, so many more. Even even the gig ups like Winslow Warehouse Workers, truck driver, there's so many different types, and it's really important to to have have coverage for that income, especially because this this economy is just growing and I really don't see that it's going to stop anytime soon. Even myself, I've used more of these apps than I have ever in my lifetime during during these past months. So I think it's really important that that gig that the gig workers think, do I have a rainy day fund most, most people don't. And and we recognize that and we we see the need and and that's why that's why we're here. We're kind of at the forefront of this on this problem, and we're working hard to to be able to solve it and offer it to as many gig workers as possible. So we're really excited to see how things are going to be going. And and we're growing every day and really looking forward to being able to offer this the security and the benefits that really every every person deserves. Yeah, yeah. And that's the thing, folks, is you're running a business and whether you plan to be or whether you think you are, technically that's what you're doing. You're being taxed like a business and you are on your own like a business. So if something happens, there's nobody stepping in. There's there's no benefits that are going to kick in like they would when you're an employee. And it's it's really it's up to you to kind of take care of yourself on those things. And and the thing is is, I think, you know, there are maybe some similar options, if there might be and I've never really looked into it a whole lot. There might be some business insurance you can get, but it's going to be super expensive compared to what we're doing here. So just from my perspective, I think you've got to really look into this, folks. I think it is just for for what it costs. The level of protection that it gives you, if the unthinkable happens is, I think, huge. Leah, I want to thank you so much for coming on. I really appreciate you taking time to be with us. Well, thank you so much for having me, Ron, and I hope your listeners have gained some insight into what we do here, and we're looking forward to being able to to assist every good worker in this Ever-Growing economy. Yeah. Oh, absolutely. Yeah. It is really taking off. And I like you said I don't expect it to change unless there are laws like AB5 in California that force it to change. But you know, I'm hoping, at least from my perspective, that doesn't happen because I think it's just it provides so much flexibility for everybody. Yeah. And I can say we are able to we're able to be fast, much faster than than any type of competition or any, you know, big apps, too. That's another thing we're really proud of is our turnaround is very quick. Yeah, yeah. And a lot of that, I think, is probably because you've already got the information. Exactly. That's huge. All right. Well, thank you, Leah. Really appreciate you coming on. You have a great day. Thank you. You, too. Well, what did you think, Courier Nation? Let me know your thoughts. Leave a comment over at our associated page that goes with this episode. Entree career dot com slash 95. Because this is episode 95, now here's the thing. Less than a week from when I record this, the California polls will decide whether or not in California, these delivery companies should be allowed to use independent contractors or whether they should have to hire employees. And you know what? I can make some strong arguments on either side of that one. But one thing about being an independent contractor is you are on your own. You're running a business. Nobody's protecting you like an employer, would, you know? That means you've got the responsibility to protect yourself. Now, cover is a way to do that. It's not the only way. One thing that I stress, I stress this often is you should be building a fund yourself. You should be building an emergency fund. You should be setting aside money, create an emergency fund so that you don't have to rely on something else. Because the big advantage of a fund like that is if you don't need it. You've still got the money. That's a huge advantage. Now I've got the emergency fund, but I also decided to go ahead and subscribe now because because I have that fund in place, I'm more comfortable with that mid-level package. But the thing is that they offer some things that an emergency fund doesn't. But the deal is whether you get an emergency fund, whether you use cover, whether you use some other form of business insurance or any combination of any of that. The big thing is, if you rely at all on your business income, you should be protecting it. You should be protecting yourself. Now you can check cover out over it. entrrecourier.com/kover and full disclosure that is an affiliate link. And what that means is if you buy from that link, I do get a commission and that helps me keep this website and the podcast operating and everything. But at the same time, I'm not going to be hurt if you don't use that. You know, if you decide that there's a different way or a better way to take care of yourself, and we'll be disappointed if you're not protecting yourself in some way, shape or form. Now wrapping up, I mentioned that one of the disadvantages of being an employee is you don't have the protection. That said, personally, I prefer being an independent contractor. I prefer being able to take care of my own protections, you know? And ultimately, that's what it comes down to right now because you are a business owner, it's up to you to make your business decisions, decide which gives you the best and be the boss.