The  "tools of the trade" for landscapers are violently dangerous and can cause a great deal of damage and injury in the blink of an eye.

I think the biggest key in weighing the risk variable is whether your homeowner’s/landlord insurance policy will cover any resulting damage and liability for injuries.

If hammer falls out of tool belt and lands on a car or table you have recourse.Workmans comp covers medical bill's for injuries to workers that happen on your property.

If a tenant causes damage or causes injury and does not have a Renters policy do you think they would have the resources to pay for the damage or injury. 

I have been sued personally for personal injury.

These policies typically provide coverage for damages to the property and liability protection for the host in the event of an injury or accident.Another option is to purchase a commercial insurance policy, which is designed for businesses and can provide more comprehensive coverage than a traditional home insurance policy.It's also worth checking with your current home insurance provider to see if they offer endorsements or riders that can be added to your existing policy to provide coverage for short-term rentals.Regardless of which insurance option you choose, it's important to thoroughly review the policy and make sure it meets your needs and provides the level of coverage you need.

Seems like a trend is for other BP's to use unlicensed for handyman work, but to only use licensed for electrical, HVAC, roofing, and other higher risk of injury roles. 

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.

My back injury in hindsight was one of the best things that have ever happened to me.

Slips, trips, and falls are one of the top causes of injuries.