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 if there's no interest in insuring the actual building or landlords property, but just insuring against bodily harm/injuries that occur on the property...Are there policies for just that?

You know John, as I write this and try to convince myself that I can sub my own work I think I have to acknowledge this is part of the learning curve and use a professional on my upcoming project.Do you carry a worker's liability policy for on the job injury?

Maybe adding railings are a good idea just to avoid any potential injuries. 

You wouldn't go to a dermatologist for your migraines and you wouldn't see a personal injury lawyer for your contract dispute.It sounds like you are mis-matched with your current CPA. 

The chance for serious injury or death is very high, especially with people who have never operated a boat.

If the claim is not legitimate or if there are prior injuries/circumstances that contribute an early investigation is crucial.  

One of the most common exceptions is when the claimant discovered the hidden injuries.

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.

Also, once you DO make a particular repair, you may become personally responsible if improper work leads to injury or illness, even will into the future.