unlicensed/uninsured handyman liability working on my rental prop

[William S Bohan]

I have a 4 plex in Leucadia, CA and I've been using unlicensed guys to do handyman type work and yard work for years.   Recently had a guy fall off a ladder while painting and am now stuck in a  work comp lawsuit- what a nightmare.     Wondering if you have found a good landlord policy that would cover me on this kind of thing in the future?     All ideas are welcome.   Thanks.