If someone hires me as a personal trainer on a W-2 basis vs. a 1099 basis, how does the liability insurance work?

Question

340 viewsOctober 20, 2015

0

Robin October 20, 2015 0 Comments

In other words, if I’m hired as a W-2 am I automatically covered under their liability vs. if I’m hired as a 1099 do I have to have my own liability?

2 Answers

score 0 · Answer 1

Hi Robin,

when you are an employee (W-2), you should be covered under the liability insurance of your employer. As an independent contractor, you should have your own liability insurance.

Just make sure that you read the contract carefully and that you make sure that you and your employer are on the same wave length.

Karin Singleton
www.meltnc.com

score 0 · Answer 2

Always ask, never assume, regarding liability coverage.

Insurance isn’t very expensive.

If someone hires me as a personal trainer on a W-2 basis vs. a 1099 basis, how does the liability insurance work?

2 Answers

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