This type of conduct may cause financial loss, property damage, bodily injury or death.

This coverage will offer defense and claims settlement for alleged or actual injury caused by CO2 emissions from a heating or air conditioning source.You can add a "personal umbrella" to cover your personal liability exposures of your home and auto, if your net worth justifies it, but you should keep any income producing assets separate from your personal liabilities.There are very few companies who understand this and do it right but once you get set up right and realize how much easier it is to manage and scale your business up, you'll be glad you did.Ivan

I too, started in construction but suffered a back injury that led me to get into investing.

I might advise increasing that to $500K or $1 Million as the cost difference should be negligible and if you do have a liability claim where someone is injured, the costs can escalate pretty quickly depending upon the severity of the injury. 

After reading through the HOA's insurance's policy, I found that the policy is called "Business Owner's Policy" and below is the summary page of the policy:"General LiabilityGeneralAggregateLimit(OtherThanProducts-CompletedOperations) $4,000,000Products-Completed Operations Aggregate Limit $2,000,000Personal And Advertising Injury Limit INCLUDEDEach Occurrence Limit $2,000,000Fire Damage Limit $50,000 PER OCCURRENCEMedical Expenses Limit $5,000 PER PERSONHired Auto INCLUDEDNonowned Auto INCLUDEDAccounts Receivable $25,000Employee Dishonesty $10,000 PER OCCURRENCEElectronic Media and Records $10,000Fine Arts $10,000Money & Securities $10,000 Inside/$2,500 OutsideValuable Papers and Records $25,000"One quick question is that how i can tell if this is an appropriate HOA's insurance.

& if you use contractors to do any work on the property check their coverage for workers comp/injuries.We just had fellow investor land in a lot of trouble with an injury on-site where the guy was working off the books for a contractor friend.good luck.

My question is if I buy a piece of raw land with the intention of hiring my own architect/contractor to build and oversee, am I liable for any injuries that happen on the work site?

-Liability: If they get injured improving your property, and they aren't licensed, bonded and insure, their kids might come after you for injuries!

No injury but, no witnesses though so they are sueing us because the bars on the railings should have be 4" instead of 5".

By this listing, Resident agrees to be fully liable for damages and injuries to property and/or people, which might be caused by pets.