https://www.carolinaaccidentat...A small nugget from the website:"In North Carolina, vacation property owners and rental management companies have a duty to keep their rental homes, condos, decks, and properties in a safe and habitable condition to avoid injury to their renters."

While policies will add coverage back for dog related issues, they may continue to exclude bodily injury or property damage caused by any other animal, bird, reptile, or insect regardless of whether owned by you, in your care, or on your premises.Lastly, as you read the policy / endorsement, be sure to read what would be considered a covered breed / type of dog. 

While policies will add coverage back for dog related issues, they may continue to exclude bodily injury or property damage caused by any other animal, bird, reptile, or insect regardless of whether owned by you, in your care, or on your premises.Lastly, as you read the policy / endorsement, be sure to read what would be considered a covered breed / type of dog.

After speaking with the realtor and viewing relevant documentation such as tax returns and profit & loss statements, I became more confident that the deal was good.The seller was formerly owner-operating the hotel before a disabling injury in 2018.

So, I kept him working and he filed a 2nd worker comp lawsuit for another bogus injury.

My concern is how liable I am for his injury?  

What if it's an unknown deficiency of the house that causes his injury like roof collapsed? 

That seems to be a lot of work for someone who isn't going to be doing a lot.Workman's comp insurance protects the employer for a worker's injury.

Property coverage - most likely going to be replacement cost coverage            Separate structure coverage - if you have anyPersonal Property - this is the big difference between long term rentals vs short term rentals since you own all of the items inside of the home.Premises liability - I always recommend maxing this coverage out on your policyLandlord Personal Injury Liability- This coverage will be equal to you premise liabilityLoss of Rents - carriers offer 12 months, 24 months or a specified amount typically 10% of your property coverage (very helpful if you ever have a claim that result in the inability to continue renting out the property for some time)

Which just for reference in the US right now, the average cost of an accident where the vehicle is not a total loss but there are injuries is over $80,000. but what if we can make it so that if you get sued you have coverage for up to $1,000,000 or if the person you get in an accident with has no insurance, guess what your insurance covers that up to that $1,000,000!