Well, I guess I ought to give an update, too, since I started the thread. I wasn't able to swing the insurance requirements for a subcontractor, so I ended up becoming a part-time/temporary W-2 employee for the prime contractor. I couldn't get the rate I wanted to charge when I thought I was going to be an independent contractor, but I also didn't have any overhead. All in all, I'm glad it worked out that way, because I didn't end up working enough to justify the overhead of being a contractor. I did about $2,200 worth of work in 2018 and about $900 in 2019. I haven't billed any hours since August 2019. And I'm totally fine with that, because I didn't really want a job anyway.