[tristanford]

Working as an employee versus an independent contractor definitely has its trade-offs. Employees usually benefit from studio-provided insurance, consistent pay, and access to resources, whereas independent contractors maintain more control over their curriculum and schedule but carry liability themselves.

Even as an employee, maintaining personal coverage can provide extra protection, especially if teaching outside the studio or doing workshops elsewhere. Some instructors in other industries recommend checking services like Handyman Singapore (https://www.handymansingapore.net) as an example of how professional service providers balance liability and coverage. Having both studio support and independent backup insurance can create real peace of mind.

Studios may lean toward hiring employees to simplify liability and ensure uniform teaching standards, but the trend varies depending on location and business model. In practice, combining both approaches can offer flexibility while protecting against unforeseen issues.