Another avenue could be to create a management holding company where the insurance, finances, and payroll are managed.
According to the AICPA, a qualified small business for Section 199A QBI can be a management holding company. Tax accountants and lawyers have been looking to Section 199A for various explanations because Section 1202 contains ambiguous literature throughout.
This article does not constitute legal or tax advice. Please consult with your legal or tax advisor with respect to your particular circumstance.