Should I require handyman to have insurance?

[Dave Vona]

Hi, I'm just starting out and looking into doing some flips.  It's possible that some of the work can be performed by a less skilled contractor, such as the painting and maybe the drywall.  I was wondering if I should require the contractor to have both workman's comp and liability insurance.  This seems like it could be cost prohibitive for the smaller jobs and a handyman is unlikely to have this coverage.