My insurance will let me have a volunteer help me out as long as I don't:
- pay them
- leave them alone on the property with the children

I am the caregiver and they are just there to help out.

If you are simply not comfortable with having someone helping you out, then you don't need to take on the person. If you are comfortable with it, then call your insurance company to confirm there policy on the matter. But yes there are insurance companies that will not allow you to have any help as they don't want to cover the helper if something goes wrong or if the helper hurts a child.