There may be two types of insurance to be considered: liability and worker's compensation. Your business insurance should provide standard liability coverage that would include actions by people working for you. However, if you will be hiring the models (or assistants) directly, worker's compensation insurance may also be necessary if your state requires that you treat them as employees, rather than independent contractors, and you are not already carrying such insurance. I am neither a lawyer nor an insurance agent; however, from what I have read, it looks as though, at least in some states, you may still need to provide worker's compensation when hiring models through a temporary employment (i.e. modeling) agency.
