If you get sick or injured, you have 95,000 to make your life easier.

This way, if our tenants or one of their guests is injured on our property, any claim will be against their insurance company.

People say experience is the best teacher... well I've learned a hard lesson. I made the completely newbie mistake of paying up front, although it shouldn't have been upfront, the project got delayed so much it caught...

If it were me, I'd remind the remaining tenants and the family of the injured tenant, that everyone (injured tenant, not the family) is responsible for paying the entire rental amount. 

If a tenant decides to do one of the fore-mentioned things or something similar and injures another is the landlord responsible or the tenant?

How much you hire out is a personal preference but is also based on how much money you have to burn, your timeline for completion, your other obligations, and also whether you feel like you could do a good enough job or do the job at all without getting seriously injured.  

For example, if you injure someone in a car accident that is your fault, they can sue you directly and thereby gain control of your LLC which they can then liquidate to satisfy their judgment against you. 

If I don't have earthquake insurance on my rental property and the tenants get injured during a quake, am I going to have any coverage?

The more novice investors are worried about losing everything if a tenant or someone gets injured on their rental property.

My credit is on injured reserve at the moment so I couldn't take out a loan.