Hiring Unlicensed contractor to perform some work

[Sanjay Gupta]

Hi,

We need to do start project and we will be hiring Licensed Contractor but we would like to some work done by Unlicensed Contractors( Handyman).

Do I need to take Workers Comp insurance ?  What kind of insurance we would need to protect us ?

Second question is when payment is made to contractor, we just need to issue them 1099 in the end and have all receipts of payment , do we need to care about payroll tax or any other tax.