Unless you are somehow negligent, it's not your fault that they get inside the home and therefore it is not your responsibility to take care of them. 

I'd be curious if the septic planner could be negligent with their advice, especially if your purchase hinged on their plan.Sorry I don't have anything better for you.

If the employee has been properly trained, and it can be determined that they were not doing their job in the manner trained, then you can claim employee negligence and attempt to get an OSHA violation reduced or dropped after an injury, but this doesn't do much to help you with the worker's comp claims. 

@Chris Seveney, I'm considering the same thing for the condo community where I've owned for more than five years since it's a known entity to me... solid professional management, negligible annual fee increases (which are relatively low overall)... condo is part of larger community of 55+, towns, SF, but all under one management company.  

Ditto failure to enforce fees when due - - sad, but that's negligence. 

Now 5% is a negligible return for most investors but given the property is already working its a great dividend play on any money I make and a more reliable dividend play then stocks or bonds.The RubI have watched friends, friends of friends, and my parents work to find the home runs that make huge dividends for them.

Despite the very efforts made (I believe that I have done everything that I possible could as a tenant to installing the curtain and bathmat with my own cost for a specific purpose, and informing the agent whatever necessary for further action to be taken if needed) this is a structural dampness that caused the damage and the essential nature of having the shower which inevitably made the leak leading to the damage would not constitute a negligent nor irresponsible act from my perspective.

This is available in California, but from what I recall, the exemption is pretty negligible ($7k or so off appraised value?).

However, personal umbrellas Exclude business activities meaning a claim resulting from your operation of a rental property (negligence in maintaining rental property or failure to do background check) is not covered if the property is in your personal name or an llc. 

This is disgusting and negligence strictly on the slumlord's part.