We build the temp and keep it as our own but we charge a $150 temp set fee.
As far as BWC - I don't know about everywhere but in Ohio you aren't required to carry it as the owner if you have zero employees - however you can get supplemental coverage for the owner(s) and there is a minimum you have to report (I think its like 100/wk) - our premium is usually anywhere between 25 and 100 bucks.
