I have Independent Contractors. Do I need Workers' Compensation Insurance?
Juliet Starrett wrote a great article about coaches as employees. She is a well-known member of the CrossFit Community: co-founder of San Francisco CrossFit with her husband - mobility guru, Kelly Starrett - and a former attorney. She noted that by definition, coaches are employees and should be designated as such. It may provide some insight for you. You can review it here.