and with a little backing from google, you do know when you are being negligent:There are four important elements to a negligence lawsuit that must be proven: The defendant owed a duty, either to the plaintiff or to the general public The defendant violated that duty The defendant's violation of the duty resulted in harm to the plaintiff The plaintiff's injury was foreseeable by a reasonable person.I realize you are a lawyer and see a different side, and I respect what you are saying, and respect what you've done.

Your friends, family and day laborers are consider independent contractors and not employees so technically you sub the job to then but then that means they are require to get insurance themselves but that doesnt make sense if a friend is only hire for one day to paint 3 rooms.Whats the right insurance that would cover for any lawsuits and injuries in case a friend, family member or day laborer are hire for a job and something happens? 

Very rarely (in my practice, I had one such situation where the client wanted to, and that was a $15,000 auto policy) would any attorney pass up on a million dollar policy and try a case to a jury verdict.This is not legal advice, just a discussion of personal injury litigation.

Luckily no injuries.

You are better off with the cost of replastering then the cost of an injury.

Not to mention, it's a couple with an infant and parents are understandably overprotective.Not to add insult to injury but your biggest mistake is not having a backup HVAC vendor.

And like you said, if there is some injury to how I had things done, that would be bad. 

My policy requires me to carry a higher liability in auto too...probably because someone is more likely to have an auto injury claim than someone getting hurt on your property.

There are lots of exceptions, just like how a Dr. treats an injury, they do it like this, unless this happens, or like this if that happens, etc. 

The tenant made the right decision to leave cause a lot of those interactions/stalking lead to irreversible situations.