What does "non-employer" typically refer to in business terms?

The term "non-employer" in business terminology refers specifically to a business structure where there is no additional staff or employees beyond the owner. This is often seen in sole proprietorships, where the individual running the business is responsible for all aspects of its operation without hiring others to assist. This model is common among freelancers, independent contractors, and small business owners who choose to operate independently without expanding to a larger workforce.

In contrast, other options describe forms of business that typically include multiple personnel or specific organizational structures. The term "non-employer" distinctly highlights a lack of employees, making the identification of a sole proprietorship without additional staff the most fitting definition within the context provided.