Is any of the above info really from a legal expert or is it opinion? If the advice is opinion it should be noted since this is a legal discussion . My thoughts are opinion. I think as a homeowner you need liability insurance to cover risks to others while on your property. When you hire a contractor who has employees, the contractor would seem to need Workman's Comp. You can't get workman's comp for the various contractors you hire. But even if the contractor has Workman's Comp coverage for his employees, you still need liability insurance to cover your risk. As I have heard many times, you can be sued by anyone for anything. And sympathetic juries can assign fault to you. Thus liability insurance.
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