By doing this, you are extending the policy's coverage to include your property manager, should they be held liable for any incidents or accidents on your property.Why is it important to add your property manager as an additional insured?

We have an insurance policy on the rental house (through State Farm), that includes a personal liability section, which is essentially equal to our current net worth.Given that a tenant could sue for more than this if an accident occurred, we are thinking about adding either LLC or an umbrella policy (or both) as extra protection.Any advice on which way to go, and if LLC, any recommendations for a law firm or company the Indianapolis area?

Some how if their is an accident in that tub , kiss it all good bye .  

If you intended me to take something else from that picture, such as an unfortunate motor vehicle accident, let me know.

The reality is that insurance will cover your 16-year-old's accident.

Lock away extra supplies; trust is great, but accidents (or curious kids) happen.

That's so cool—minus the accident, of course!

You can't even get an officer to a traffic accident anymore and how many domestic violence situations happen with little to no attention.  

I am sure it was an accident, but the guest is responsible for this accident.  

If you truly don’t want to be misjudged by accident.