I'm only nearly 5 mos in on my venture but we need to carry the following for our residential care (assisted living)  licensed for 41 beds - but we can hold 36 beds in our current configurationGeneral Liability (We buy through an independent broker - basically covers medical malpractice, any slip/falls etc)Workers CompAnd even though you arent interested - Non owned auto insurance in case staff use their own vehicles to run an errand etc, building insurance for wind/hail etc inc general property liabilityAll of this runs around $33k to 36k a year for us - thats before health insurance for us etc - Work Comp is the most expensive part of that mix.Your best bet is likely not to find the coverage by calling yourself - you'll just waste your time - find a broker that can sell you this insurance - as far as limits - some of the limits are state mandated and will be in the regulations. 

I'm curious about your thoughts/recommendations here...I have a 2 bedroom unit with two tenants with declining health. 

Other than that we've had one divorce, one lost job, and one health issue.

Mold can be a health hazard.

See the attached linkhttp://city.milwaukee.gov/AreaPlans/NearWest.htm#....Some of the local bigger players/companies  supporting the project are Harley Davidson, Miller Coors, Marquette HS, Marquette university, Aurora Health care and  West End Development Corporation.

You have to rely on here say from your broker of record that the company is actually in good health. 

The health of the HOA too... which kind of ties into the legal action.

& Regs. 1320-4-5-.16]: + Medical and allied health services, except services of persons making dentures and artificial teeth. + Religious, charitable, legal, educational, domestic, accounting services, architecture, engineering, surveying, and veterinary services. + Services rendered by nonprofit membership organizations for the promotion of the interest of the members. + Nonprofit educational and research agencies. + Public utilities as defined under Tenn.

.- I am sympathetic to what I believe are real health concerns by the tenant's parents, but i can't figure out how they can be tied to the house based on the mold test results or visual inspections completed by the management company's maintenance team or abatement company.- based on what I feel was an unreasonable counter I'm not sure how to frame my response to the tenants.My questions for the BP community:- Could I be missing something causing real health issues?

However, their health issues may squeeze them financially.