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. We wrote a blog post on how best to differentiate W-2 employees from 10-99 contractors which you can read here.
Please note 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.