What should you do if a Contractor you hire is late?
Ask for the reason (there may be a genuine reason e.g. a traffic accident on the road) and if you are not convinced by the reason, make it clear that being late is not acceptable and terminate the agreement.
Should you hire a general contractor to remodel your house if he does not carry general liability insurance?
If work is not completed by the date on which it was promised, the contractor is in violation and should not be paid the full agreed amount. If the work is being built for an event on a specific date and is not completed, then the contractor should not be paid anything, as the work was worthless. On an ordinary renovation contract, anything beyond 14 days late should be considered a very serious problem, and…
You should hire a licensed contractor. He should already have liability insurance and workmen's comp for his employees. If you do not hire a properly licensed contractor, all the liability for anything tha might go wrong falls on you. If your insurance company discovers that you hired an unlicensed contractor, they could, and probably will, deny payment on any claims you may file. Tread cautiously!
If a contractor does not have worker's comp insurance and one of his employees gets hurt on the job could you be held liable?
Yes, if a contractor you hire does not carry Worker's Compensation insurance, you could be held liable for payments to and medical costs of an injured employee. That is why you should always be certain that anyone you hire does carry Worker's Comp. Only a fly-by-night contractor would be likely to try to operate without Worker's Comp, and you probably don't want hire such a company in the first place.