Injury? 

Most likely the state where the property is located is where lawsuits would be brought if they are something for personal injury like a trip and fall or something of that nature because the “cause of action” arose in that state.

Sometimes ya just wanna ring necks...

Most likely the state where the property is located is where lawsuits would be brought if they are something for personal injury like a trip and fall or something of that nature because the “cause of action” arose in that state.

What would YOU do if your PMC used an unlicensed and/or uninsured vendor and they caused a personal injury situation with a tenant that led a tenant to sue you?

In my state (TN) it means either the use of violence against the person being robbed such that they suffer serious bodily injury, or the use of a deadly weapon during the course of the robbery in order to accomplish the robbery (i.e. putting a gun to someone's head).

The test where one uses there head for more then a neck weight or hat holder.Your spot-on. 

To add insult to injury, every company I’ve asked for a quote based on the quote I got from the first vendor, wants me to pay another several hundred dollar service fee to come out and look at it themselves.

Landlord insurance protects you from unforeseen liabilities which relate to your operation of the property as a rental (i.e. advertising injury, someone slips and falls at a showing, an invitee of your tenant gets hurt on the property, etc.). 

Relieves the landlord from liability for property damage or personal injuries caused by the landlord's negligent acts or omissions.To put it simply, if the landlord causes damage or injury to a tenant then the landlord will be responsible for it.