We did that deliberately so that we would not be responsible for repairs or even worse if the tenant was to be injured with it we did not want any responsibility.

I've seen/heard of too many cases where someone gets injured in a rental and then goes after the owner's personal assets.2) Part of making the LLC legitimate is to make sure both on paper and in practice- that it is separate from you.

Why on Earth would they want to take the risk of having a child injured and getting a lawsuit?!

I am currently looking at properties with the eye of "what can I do and not be injured myself" to "this is a contractor experienced in this work that needs to be hired.

I was permanently, totally injured by mold several years ago, and don't want mold in my house, and of course selling it would be a problem, too!

To this date, not one person has been killed under Blackwater's protection.Not one 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).