Handyman, Laborer or Independent Contractor? Forms? protection

[Susan O.]

Anyone have a link to a good independent contractor form that I can have workers - like handymen, painters, framers use?

I need some sort of protection as I hire them often daily 

I have another neighbor who is in California and does much less construction than me.  He just got hit by the State of CA, Department of Industrial Relations - "Labor commissioner's office" with a claim from their gardener who was painting their house and got 'injured'

There was no agreement or just basic agreement stating that the gardener and then painter was an independent contractor.  

Does anyone have a basic form that works in CALIFORNIA that will just say basics like the Laborer is a Independent Worker/ Contractor, paying their own insurance, and working per job and not per hour.

That XXXXX property owner is not a contractor and NOT an employer etc?

I do notice alot of the workers like to call me "Boss Lady" I wonder if they are just assuming I'm their employer and could sue me in the furutre if they're negligent, get into accident or slip and fall?  How does one protect themself?

Also I do like a lot of investors have a separate entity for property management.  Would it make sense to get some sort of error or workmans comp or some sort of insurance?  Or is there some sort of broad insurance policy for investors who often hire these handymen types.  Most investors, property owners and flippers I know just hire these handymen types and don't really have anything in writing.

How do people protect themselves.  Is there a basic form that one can use to have any day laborers, or handymen sign that separates the owner/investor from being a 'employer'