A nuisance maybegin as a negligent act; however, once a neighboring landowner objects to the activityand the person creating the nuisance refuses to stop, the activity becomes intentional.A nuisance may be both public and private if a large group is affected and, inaddition, some individuals are injured in unique ways.

I'm planning on having them all sign a Volunteer Liability Waiver, absolving me of any responsibility should they get injured. 

Even with reliable workers, people get sick and people get injured.

According to the Wikipedia definition:   "The Scaffold Law is a New York State law that holds employers and property owners fully liable when an employee becomes injured due to a gravity-related fall..."

If a lot of people are injured in a fire (or deck falling, or other calamity) and it's your fault, insurance might not be enough. 

If you have a multiple member LLC, the credit partner (the one getting the loan), must be on the LLC in order for the property to be used as collateral, but if the other partner is also on it, any lawsuit against you can't "injure" the other partner since they would have nothing to do with the lawsuit...thus, the LLC (and the property as its asset) is protected (this is where I say I'm not a lawyer and don't listen to what I say as Gospel, and consult with you own lawyer, etc...).

My son was injured in September and is paralyzed.

It seems I'm always visiting a radiologist for x-rays when I get injured from grappling (BJJ).

No one injured, but the place and everything in it were total losses.John Higginbotham, if you think they're hounding you now, imagine if this happened in your building.

I'm trying not to spend a lot of money on this, but I don't want to put myself at risk if the person gets injured or there's some other incident.