Insurance for the Uninsured Handyman

[Lois Ginter]

I have four duplexes and have $500K liability on each property.  I have a handyman lined up, who doesn't have workers' compensation.  I am willing to pay for his insurance, because I have about two months of steady work for him to do, and his hourly rate is cheap.

Is there any type of additional insurance I need to cover a workers' compensation situation, or is there some type of insurance he can take out on himself, and I just pay the premium for him?  

[Derek Lacy]

There is no correlation between the requirement of work comp and 1099 status. You're not insuring your sub on wc. You are insuring yourself which covers all your employees and uninsured subs.

Now IL work comp is a very hard policy to underwriting. IN is pretty easy. So you may have some issues with placement in that regard.