If someone is injured they will look for someone to sue, and the person who permitted the firepit or grill to be in place can be held to have as much liability as the tenant who put it there.

He was seriously injured and admitted to the hospital.He got his left leg fractured and spinal cord was injured.

Medical Payments:  coverage is used to pay medical bills when someone is injured on the property but your liability is not certain. 

If they do not have workers compensation insurance, if an employee is injured on your property the liability could come to you PERSONALLY.

There's the obvious- what if one of your tenants were seriously injured in a car accident- are you liable?

^ I set up the LLC in case the tenant does something beyond my control (brings in a trampoline, against their lease, and someone gets injured on it before I even knew the trampoline was there).

If someone injures themselves and sues, they will be suing the LLC and not you personally.

I sure hope the Indiana authorities stand up and do something here.. there have been hundreds of investors injured in this scheme created by Morris.

Or jumps off the couch playing and gets injured?

If someone is injured on your property they will claim that since you did the work yourself you are personally liable.