>Mark-
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>Even more important than how you set up your business (IMO, and from advice from various sources) is your insurance coverage. And, it can take some time to get all it all in place.
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>I've stayed with a sole proprietorship. I'll look at LLC as time goes on. However you set it up,keep in mind that you should have professional liability insurance. Even my friends who are incorporated carry it. Just because you incorporate and have a contract doesn't mean squat, really. People can sue you.

Nancy,

Have you looked at an umbrella policy? I don't know if it would work on a business issue, but it does for other types of liability. I agree, insurance is the only gamble you make where you pay the other guy AND pull for them to win the bet!< G >