Hello, I will try to help you. Please remember I just report or interpret the law, so the outcome may not be what you hoped for. What I suggest is contacting temporary agencies who supply temporary construction workers to see if they cover the part time person under their policy while working for you on a temporary basis. It will cost you more than a direct hire but probably less than getting your own coverage. You would have to check in your area as I would not know if temp agencies in your area have that insurance for their own people. I did see this site so you might check with them. http://www.tradesmeninternational.com/staffing.html
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