Thanks for this, Gizella.  

 "In time insurers will realize what a big market is out there with the 'gig' workers."  Or not.  Maybe in the states, but this is Canada, remember.  We think differently up here. Risk-averse Canadians like a "sure thing."  And THAT, I submit, is why "gigging" gets such a bad rap.  Oh, woe!  Too risky!  Too much danger. I mean, gosh, no sick days!  

I came to appreciate that negativity after I got out from under the corporate heel. It kept my competition in the market to a minimum.