If you have employees, you need workers compensation insurance. Home stagers and interior designers need to protect themselves.
If you have indepedent contractors that do not provide their owners workers comp insurance, you need to purchase it.
Publish your website to a local drive, FTP or host on Amazon S3, Github.
Yes. If you work with an independent contractor that does not provide his or her own workers compensation insurance then you could be liability for their injuries. Read that again. You can be liable for injuries to your independent contractors.