We have a lot of women who are covered by their husbands policy. Kids, too, who are still on their family insurance.
Yes, I was referring to C corps.
I incorporated from Day One but I did the work myself. I remember doing the budget for my new business and trying to figure out how long I could survive on baloney sandwiches, three meals a day. I've known others who began a new business by first buying a Mercedes as the company car (That company went BK about three years later)
Comment about insurance agent reminds me of the ancient adage: never ask a barber whether you need a haircut.