If you hire someone to work at your house and they are injured, and they have WC, then WC will pay medical, lost wages, rehabilitation, and disability.

If they do not have WC then you (your home owners insurance) must pay.

If you did not hire them but you invited them, you (your insurance) pay.

If it was a stranger that knocked on your door asking for directions you (your home owners insurance) would pay.

On all the above the insurance would pay for: medical expenses, lost income, rehabilitation, and disability.
Now if you were somehow at fault, weather hired, invited, or stranger, then the injured party can also sue for negligence, and/or punitive damages, which WC does not pay, and your home owners ins should.

WC will pay BEFORE you or your home owners ins does, since WC pays for medical, ... the injured party has no reason to sue you, unless you were somehow at fault.

WC laws vary somewhat from state, but this is what you can expect most of the time.

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Rick Cantrell
Columbus GA