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

If someone gets seriously injured there, and they get an attorney, the attorney is going to sue everyone under the sun so additional insured won't mean anything for you especially if their limits are what most renters get, which is about 100k of liability or whatever minimum is in your state.

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

NY has a Scaffolding law but it does not apply to 1-2 family properties, as I understand.Do we also need some form of general liability insurance as well to protect us for reasons beyond an injured worker?

What if he claims he got injured while painting his room? 

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

Aloha,I cannot speak to specifics of ChiTown, but all of the liability is on you if someone is injured or worse due to poor workmanship.

That lawsuit is a claim for fraud, and that’s what fraud typically is...a misunderstanding and someone being “injured” and wanting to hold the other responsible for it.

When renting units illegally you can go to jail if there is a fire and someone dies or gets injured.

I'm a contractor also, please explain to me how I'm going to gain financially from helping a fellow member with CORRECT advice that will benefit him in the future and keep him from potentially burning down a property, injuring someone or getting sued??