Help needed: Insurance/Hiring a contractor- things to watch for

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I am in the process of hiring a contractor to build a detached in-law unit. I spoke to my home insurance company (AAA) and they mentioned that they do not cover anything related to the new addition (no liability and no coverage on the new detached in law unit that will be constructed).

Couple of contractors that I am looking into do not have worker compensation insurance and neither their sub contractors have worker compensation insurance. the GC might ave liability insurance.

How do I go ahead in this situation to protect myself if somebody gets injured  (GC, workers or sub contractors) during the construction.

any help will be appreciated.