I work for a one man landscaping company as a 1099, Ive been with him for a little over a month now. How much money am I losing out on come tax time as opposed to a w2? So I'm at 11/Hr but after taxes as a w2 your really at let's say 9.25 Hr. Would anyone know how much less an I'm actually get as a 1099? I'm on his insurance but am I actually covered if say I hit a rock and it breaks a window since I am a "contractor" is that all on me? I just need a job pretty bad and was happy to get this until I really researched the 1099 thing. Any info is appreciated, thanks.