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It just depends on the nature of the employment.

If the worker is a tradesman who offered to do a repair job on your home, then they are self employed and are responsible for providing their own insurance for the hazards they and their workers may face while on the job. Never hire a contractor who can't provide you proof that he is properly insured for the work to be performed.

If the worker is a w-2 wage earner then you are responsible for providing Workman's compensation or some equivalent liability coverage for mishaps or accidental injury while on the job.

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