Builder Risk Insurance and General Liability Insurance

[Mark Smith]

After reading my builders risk policy (30 pages), I realized the coverage isn't very good. About 15 pages of exclusions. My biggest concern is:  I hire a painter he is covered under the policy. He brings a helper and the helper gets hurt the helper is not covered. The policy considers the helper an employee of the painter.  I'm going to go out on a limb and say my painter doesn't have insurance. 

Does anybody have an insurance policy that covers situations like this?