For example, your husband hires a day laborer to work and they get injured.

If someone injures themselves and sues, they will be suing the LLC and not you personally.

Let's say his hand slips and someone's ear gets cut (ask me how I know this happens)Let's say the injured parry realizes this is an illegal business.Let's say they get an attorney.Attorney will instantly realize that YOU have the deepest pockets.How does that sound to you?

If they have not and are “threatening a lawsuit”, that is very different thing.I would still notify insurance that a prior tenant claimed they were injured on X date.

They were injured on the job while protecting our liberty.

Their insurance company will fight it to the death.The landlord has no reason to believe that the design is faulty and could injure someone.

If someone injures themselves and sues, they will be suing the LLC and not you personally.

The next guests will almost certainly be upset that the hot tub is out of service for their stay and are likely to injure my near perfect streak of 5 star ratings which will injure search rankings and possible lose me bookings.

All of our properties have pools and someone drowning or getting injured in the pool seems like the #1 most likely thing that we would need insurance for, so it's a pretty huge omission. 

If someone injures themselves and sues, they will be suing the LLC and not you personally.