There is no way these are licensed and insured contractors. 

I am concerned that this could happen to others, and I feel an obligation to inform you of these actions in case you or anyone you know may be at risk.

.: Jobs have; PTO, medical insurance, Company matched 401k's, structure etc.

If you are really worried about liability, get a bunch of insurance policies like an extra umbrella or beefed-up property insurance. 

At various times during the past 25 years he “specialized” in oil and gas drilling, franchise sales, surgical center investments, office centers, start up incubators, vitamins, mobile washing equipment, cemetery syndications, residential mortgage brokerage, commercial mortgage brokerage, insurance as an investment, long term care insurance, and property development in Mexico.  

My properties are insured.

There is no insurance that covers an increase in HOA assessments. 

As long as you're making payments on time and have proper insurance on the property, banks are happy and don't want to call a loan due. 

Your current insurance provider should offer it.

If anyone knows good insurance brokers, that would be great.