Does homeowners insurance cover contract laborers injured on ones property?

Let's face it, in today's "Sue happy climate" you can be sued for anything and lose. Yes to your question, however, you personally would not be responsible as the claims would be paid out of your homeowners liability coverage which does not count against you (altho you would be responsible for any shortfall). Would not it be prudent tho to hire a contractor that is properly insured and licensed? Regarding your home insurance, you should have no less than $500,000 liability coverage. I am hiring a contractor to re-shingle my home and he does not have workman's compensation for his employees. If an employee is injured on the property will I as the homeowner be responsible financially for the medical expenses and pain and suffering? Based on my understanding the California case, if the contractor is unlicensed. you can be liable. http://www.constructionweblinks.com/Resources/Industry_Reports__Newsletters/20080218/cali.html