Online Business Policies
What kinfd of insurance do I need for this online classes business?
People register for classes via my website and I pay the instructors as subcontractors. There will be a waiver of liability people accept before signing up for a class — so what type of insurance should I get and how much can I expect to pay for the policy?
Thanks!
The waiver means NOTHING, fyi.
You probably need general liability coverage, and you need to make sure your subs have THEIR general liability coverage by requiring them to provide you with a certificate of insurance. You also probably want your subs to have Workers Comp coverage on that certificate, otherwise you could be held responsible if they don’t meet the IRS subcontractor definition standard.
Professional liability is important, as is trademark infringement. If you get sued, it’s most likely going to be for either a copywrite/trademark infringement, or for having a sub teach something incorrect that results in damages.
Re the premium – probably $1,000 for general liability, and maybe $1500 for professional & copywrite.
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