:P There isn't anywhere near enough information in the original post to provide specific advice so I asked the poster to reach out.  10,000 foot overview the best advice would be to speak with a knowledgeable INDEPENDENT insurance agent and be as forthright as possible with your situation. 

if we choose sub contractors for each work and we manage all the work independantly then need to take insurance is that correct ? 

Marketing the education is optional, and I believe it is one of the most humane ways to compensate an independent business owner.

You can learn to do this independently or get a rockstar REALTOR to lead the way.

If you want to reach financial independence, a good income + limited expenses will be the catalyst.

Audit expenses and cut the fat.

I can not find the past owner to ask him to request the pay off for a fee which I am willing to do also What state is this in? Depending

The retirement/financial independence equation he uses is a paid off primary home, 500k in liquid assets (usually retirement, cash, and after tax brokerage account), and more than 1 source of income (part time job, real estate, social security for those of that age, dividends, etc.).

Have to know when to say no to someone. my Dad who taught me how to sell real estate and work with the buying public always told me Son your an independent contractor you choose who you work with not the other way around and the most important word is NEXT. 

Taking on deals like this that decrease wealth, such as low return high upfront cost whole life insurance, paying 19% interest on credit card debt, paying 2% annually to have a “wealth advisor” place your money in Vanguard Index Funds, paying for a high cost mortgage because you’re credit is bad, and “debt consolidation” programs are all reasons adding up to why many people can’t achieve financial independence and remain dependent on working every day to live paycheck to paycheck.There is a chance that in a particular circumstance any of these, including the program offer you describe, can be beneficial in certain specific cases.