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