As a contractor that you 1099, they should be providing their own insurance. Insist on seeing their insurance papers. Then cancel out your workman's comp and pay them extra for their coverage.
I would also run this by an attorney to make sure there were no gaps. Injuries and insurance coverage and IRS can make for some mighty expensive bills.
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Today's Featured Article - Uncle Cecil's Super A Lives Again - by Mike Purcell. A week or so out of most of my childhood summers was often spent with my Uncle Cecil and Aunt Sissie in the small East Texas town of Maydelle on their 80 acre farm. Some of my fondest memories of these visits are those of learning to drive a tractor at the helm of Uncle Cecil’s 1948 Farmall Super A. Uncle Cecil was the second owner of this wonderful little tractor, but it was almost as though he had adopted an infant. The original owner was a man from Minnesota who bought her from a local dea
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