That makes sense to me EXCEPT if the injury was the fault of the PM -- why should I have to indemnify (reimburse) the PM if their negligence caused the injury? 

A lot of focus on this board is about eviction nightmare but it is nothing compared to being involved in a gas explosion lawsuit that causes your tenant severe injuries or even death. 

Injuries forced me out of baseball earlier than I would have liked, but the game shaped a lot of who I am as a businessman and competitor.

Also, discuss "Personal Injury" with your agent if you do not have it. 

He’s currently in the hospital with injuries.

Because a career in the NFL can be short term and come to a sudden end due to injuries, I would advise investing as much as possible as quickly as possible.

One day I get a call from unit 5, 1 and 2, all telling me unit 3 beat up unit 5 so bad they got the police involved and the man you got beat up went to the hospital with several injuries.

The client ended up getting served with a workers comp. claim based on an injury.  

Great, but when my kid needs 24/7 lifetime care after an injury and the jury awards me $30M, her policy isn't going to pay out much and I'll be collecting the rest from you for the rest of your life. 

A personal injury lawsuit for example that came from a car accident you caused?