Rehab in Ohio_Types of Insurance for work crew

[Chris Reynolds]

Hi,

I just started selling off my rentals, and in doing so I have to employ a team of workers to fix up the houses, nothing crazy, but people are working on ladders and occasionally using saws. 

My question is what type of insurance do you have to protect yourself if an hourly worker is hurt on the job? I have talked to my insurance agent, and there are quite a bit of different options. I have a crew of 4 guys working, that are being paid hourly, and I would like to hear peoples thoughts on the types of insurance they have, or recommend, and also how did you structure your workers (1099 vs employee) everything I read says it is very difficult for a 1099 employee to hold up in court if they work normal hours, and use your tools.

All information is appreciated!

Thank you!