Freelancers & 1099s
When you wear every hat, a week off can cost more than a week’s income. Babiya helps solo business owners protect their livelihood now, and build a foundation for the day they hire.
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If you’re injured, sick, or unable to work, who pays you? Accident, disability, and critical illness coverage can provide direct cash benefits when you need them most, so you stay afloat without dipping into savings or disrupting your business.
As a 1099 or self-employed professional, you may be able to deduct premiums or structure plans in ways that reduce your taxable income. Babiya helps you understand and structure these benefits for the best financial advantage.
Unlike traditional group plans, you don’t need employees to get coverage. Babiya helps you set up policies designed for one, and built to scale as your business grows.
When you do hire, you’ll already have a structure in place. That saves time, reduces compliance risk, and shows your first employee you’ve built a workplace that cares.
Benefits aren’t just insurance. They’re a tool for stability, compliance, and even client confidence, especially in industries where proof of insurance or financial resilience builds trust.
One Degree Benefits is itself a federally certified Women-Owned Small Business, a WBENC-certified Women’s Business Enterprise, an NMSDC-certified Minority Business Enterprise, and an Ohio-certified Minority Business Enterprise, Women-Owned Business Enterprise and EDGE business. That makes Babiya uniquely equipped to help diverse solo owners access funding opportunities, tax credits such as the WOTC, and certifications that open doors to larger contracts and public-sector work.
Plan availability, pricing, and terms vary by carrier and state.
Your first conversation
There are no wrong questions. These are a few that tend to open up the right conversation.
