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Liability Insurance for Independent Contractors

by Glenn

I'm starting a fitness boot camp business which will be held at an outdoor park, during the winter I will probably be moving in to a gymnasium that I will rent from a school or church by the hour. As the income comes in, I will then look into a lease for an indoor location.

I own the business and will hire 1 or 2 independent contractors to do the leading of the boot camps (consisting of 10-20 clients each). My business location is in Rhode Island.

With this scenario, what is my least expensive route for insurance?

If I insure my business with liability ins. will this be enough? Or is it necessary for the independent contractors to get personal liability policies on top of this?

Or, on the other end...can I purchase personal liability ins. for my independent contractors and not insure my business?

I've heard I need both...my business ins. and the independent contractors need their own as well...this seems excessive.

Thank you very much for your input!

Glenn


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Liability Insurance
by: Fitness Lawyer -- Charles C. Weller

This is an interesting situation that comes up often. You should have liability insurance for your business no matter what. If you don't have it, go get it. Now, if you hire an independent contractor, you should make sure they have liability insurance as well. Typically if someone gets injured the business gets sued along with the independent contractor. If the independent contractor has insurance then the case is usually resolved with that insurance company paying out some sort of settlement. If the independent contractor doesn't have insurance, guess who ultimately foots the bill? You got it -- you do. You can never be over-insured. Finally, as an extra layer of liability insurance for you, the business owner, you should incorporate your business (along with the layers of insurance which you should be maintaining). Don't see your hard work go down the drain by going bankrupt for something an independent contractor of yours did wrong!

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