But what if a worker is injured or damages someone else’s personal property while doing the work?

I've seen some excellent DIY work in my day and I also see horrendous work from so called professionals, way too often.Recently nine people were injured when a deck collapsed - apparently due to it not being properly supported (be that as a result of the design or implementation I do not know).  

He explained "if you didn't shovel snow, someone falls and gets injured, it's YOU that didn't shovel, not the LLC".

Worse case scenario, if one of your tenants were to die or be seriously injured at the property, without a LLC there is no shield in place.

The biggest risk here is a tenant getting injured and suing you.With rehabbing, there is the risk of a contractor getting hurt and suing you - which is why most people look for fully insured contractors - and also why I don't bother with an LLC for rehabbing.

That’s several qualified adults earning income able to pay that rent if one leaves loses a job or is injured ! 

I guess I empathize because when I had to rent with my two dogs who injured themselves when crated, I had no choice but to let them run around when I left.  

You need to know enough though so that you don’t strike out or get hit with a fastball and end up injured on the bench. 

Tenant states that she got injured at work and out on work comp awaiting payments.

Imagine if someone gets sick or injured.