Liability related to day labor injuries

[Keith T.]

In regards to using a handyman or simple day laborer for small projects, what can I do to limit my liability? Say if a worker I hire for yard work cuts off a toe, will my property liability insurance cover something like that?  Does anyone use waiver forms to mitigate risk?

I'm always nervous about using day laborers for this reason. 

[Andrew Syrios]

Property insurance really doesn't cover that, it's a workman's comp issue and it's a really hard thing for small business owners. Technically they're supposed to have their own workman's comp, but good luck finding one with that unless they are a bigger company. Some workman's comp insurers consider any 1099 vendor who doesn't have their own insurance to be under your policy. This is just how we do it for such guys and suck it up that we have to pay their workman's comp. Do you have any employees or workman's comp insurance by chance?