Uninsured Handyman?

[Julie O.]

Fellow landlords, I'm wondering if you all worry about hiring "handyman" type help around your properties?  Do you worry about hiring someone that doesn't carry liability insurance?  In addition to the 4 rental properties that I own, I've somehow ended up managing 6 more homes for other investors.  In the past, my licensed and insured GC has helped out with small jobs for me, but our market here in the Denver area has gotten so busy that he just doesn't have the time for this any more.  I'm considering paying the $800 per year premium for my new handyman, I'd welcome thoughts about this.  Handyman charges $12/hour, my GC is $75.  Do you all think it's worth it?  Do you hire uninsured help to work on your properties and just rely on your own homeowner's policy for coverage?