That means on the off chance there is a bite, the injury is more likely to be serious and expensive. 

I would recommend looking into Personal Injury Liability (it adds coverage for Libel, Slander, Defimation,...). 

I'm going to dive in and post on BiggerPockets for the first time, hope it goes over well.When investing in RE the number one thing to do (after due diligence shows it's a profitable investment of course) is make sure your investment is safe and protected from physical damage and potential lawsuits.New Construction is a very different type of risk than an existing property.Instead of property coverage there's a builders risk policy that covers the new structure as its being built, this is pretty similar to a property coverage policy but has a very different price structure as there is only a full building at the end of construction while the risk factor of damage happening due to the ongoing construction is not there on a fully operational building.Then we have the General Liability, the liability due to construction operations is something that is non existent on a regular property and therefore a lot more expensive, there's also a big difference if the Developer hires a fully insured GC or acts as a GC themselves which would make them liable not only as owners but also as the General Contractor responsible for any construction injuries/damages.For a while I thought I didn't need to write about this as obviously anyone in the field knows this already, until I came across a Real Estate Investment firm that develops and operates multiple Multi Family properties that wanted us to give them a quote on a new project,I asked them for prior development policies they had gotten and was shocked to see they were carrying either vacant land GL policies or at best "owners interest" only policies when they were operating as Owner/GC directly hiring all the subcontractors for the job.I did not have an easy time explaining why they needed to be paying a lot more on their GL policies after they had "gotten away" with it for many years but i did succeed and have earned their trust going forward.

I have been subjected to spinal surgery due to an injury leaving me jobless, incomplete paralyzed and on top of that due to the lack of leg movement abilities in the first couple months, blood clots that lead to a stroke leading and heart surgery. 

@Joy May Do you have proof for any of this injury claims?

Teams needs change, and they are constantly acquiring and disposing, due to bad performance, injury, etc. to meet those benefits/needs.                                                                                     

In the Massachusetts state sanitary code, the language clearly states:368 (July 26, 2010) ruled that property owners ARE liable if an injury results due to their failure to remove snow and ice.

The money I spoke of is what the navy gave me in return for the injuries I sustained and I would rather hold the cash incase anything else comes up then give it up so quickly if I have options.

The Loss of Rents is for the loss of Rental income if the tenants can not occupy the house after a covered loss.Personal Liability: For claims due to Bodily Injury or Property Damage that you become Liable for and which is covered under the policy.

Personal Liability: For claims due to Bodily Injury or Property Damage that you become    Liable for and which is covered under the policy.