One Downfall to Being an Independent Contractor

One word: Insurance

Working as an independent contractor definitely has it's perks but there are also some aspects that are problem areas - such as insurance.

I'm lucky enough to be on CJ's insurance so I don't have to worry about finding my own. I know of some people who looked into bcbsnc since it is available where they live - not a bad deal.

If you are working as an independent contractor, what do you do for insurance?