I have Independent Contractors. Do I need Workers' Compensation Insurance?

More often than not, coaches are defined as employees and should be designated as such. There can be some confusion about how to determine if coaches are considered Employees or Independent Contractors — for insurance purposes, not for tax implications.  You can read more about these differences here.

It's important to understand that differences between W-2 employees and 10-99 independent contractors vary by state. We recommend researching your state laws to identify the correct way to classify your coaches. This information can typically be found on your state's Department of Labor website.