Up to what point will homeowners insurance cover day laborers?
Next year I will embark on a major restoration project and will hire licensed and bonded contractors for the most part. There are dozens of miscellaneous smaller jobs that I would like to hire day labors for. My concern with day laborers is the potential for accidents and being covered by my homeowners insurance.
Is there a point at which day laborers are NOT covered by insurance? Like, say, if they work more than X number of days or hours? Or, if they are illegal?