If the worker has liability insurance only, that still does not cover the worker for injuries on the job.

you will eventually have a wreck, but if you wear your seatbelt, buy a car with airbags, and were driving safely enough to avoid serious injury you survive it and learn more.

But, while all have pointed out brief periods or times where they were depressed, that injury was not life changing.

Rented at $995 with a $1200 security deposit I wish to adjust the rent, aim for a two-year term, plus add a clause recommended by my attorney (after one resident fell on property sustaining significant injury).

To add more injury to insult they asked me to provide my business and personal bank statements, to ensure that I was financially suitable to be making/receiving the type of money compared to the deposit they had on hold.

Exact wording in lease: "In addition to coverage for damage or loss to Tenant's personal property in such amount as Tenant may determine, the policy shall include coverage for bodily injury or property damage for which Tenant may be liable for in the amount of _______?

The vast majority of personal injury cases (e.g. slip and fall, dog bites, etc.), which is where most claims of liability come from, will never even be close to the standard $1M in liability coverage. 

To add more injury to insult they asked me to provide my business and personal bank statements, to ensure that I was financially suitable to be making/receiving the type of money compared to the deposit they had on hold.

But if you're primarily concerned with an injury, 300-500k should be fine.  

The liability portion of the renters insurance policy will pay for claims that cause bodily injury or property damage for which the tenant is legally liable (generally due to negligence).