I have it thru some freelance work. Better than most places give. lol
But there are groups all over the country of self employed people that band together to get it at a more reasonable rate. Look in the want ads and such. They advertise to attract more people. You might also check with self employed carpenters and others in work fields that really need to carry it.
If you have one of those HELP lines in your area, they may know as well, county mental health, doctors, lots of sources to track those groups down. When they first started here about 15 yrs ago they tacked signs on phone poles.
You sometimes can even do better than a small business employee on the rates! Good luck!