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 - An Old-Time Tractor Demonstration - by Kim Pratt. Sam was born in rural Kansas in 1926. His dad was a hard-working farmer and the children worked hard everyday to help ends meet. In the rural area he grew up in, the highlight of the week was Saturday when many people took a break from their work to go to town. It was on one such Saturday in the early 1940's when Sam was 16 years old that he ended up in Dennison, Kansas to watch a demonstration of a new tractor being put on by a local dealer. It was an Allis-Chalmers tractor dealership,
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