I started off talking about insurance and ended up on everything else. Such is life. Anyway, I do have 5 people that I employ year round and for them, I also provide health insurance coverage. I have found that the better you take care of your employees, the better they take care of you so that is not a luxury, it’s a staple here. I found the best group rates online. Even got a check up on my homeowners and business insurance too. Can’t be too careful now can you?