I am not an employment attorney and I am not the caped crusader or Carnac from the Johnny Carson show.
But I do know that an employee handbook can protect you because it outlines employee duties, your expectations and basically makes things really clear between you and your employee.
Workers compensation insurance
If your employee gets hurt on the job, this type of insurance pays for medical expenses and part of their lost wages. The state of California, along with many other states, makes this a mandatory requirement for employers when hiring employees.
This insurance is just a cost of doing business. You have to foot the bill. The nature of your business will determine what the premium will be.
There are so many other ways to try your luck in finding good employees if the student help or "now hiring" sign fails to provide any help. You can try an online search through resume sites. You can check so many resumes on a single platform and pick the ones that best suit your offered job.