Hiring Your friends, family and day laborers

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Hello everyone, I have a question that pertains to getting the right insurance. I'm sure many investors who first started out had hire their friends, family and day laborer from craigslist or home depot because its cheaper than a contractor and in the beginning there's not enough funds so things need to be stretch out.

I have done my research and shopping for general liability insurance seems like shopping for a car, there's so many of them with different terms. Your friends, family and day laborers are consider independent contractors and not employees so technically you sub the job to then but then that means they are require to get insurance themselves but that doesnt make sense if a friend is only hire for one day to paint 3 rooms.

Whats the right insurance that would cover for any lawsuits and injuries in case a friend, family member or day laborer are hire for a job and something happens? 

I'm located in the New York New Jersey area, I don't know if this insurance is different in every state or its universal.