If your not use to a small office setting where some days require all hands on deck with no job title just jump in and get it done - this would not be a fit for you. HOWEVER if you are a person can benefit from learning the A to Z of this job this this Con is really more of a "pro" so it is all in your attitude.
Insurance - however compensation is provided in other ways to offset the expense but in the future as we grow we could easily turn this con into a pro by hopefully expanded the benefits offered to include insurance at a group rate.