Thanks to the many, many bad guys in the TKR business, passive investors are getting their greed glands milked to a ridiculous degree.

Gl and hf out there

Those day laborers can be insured but you'd need to set up your own GL and Work Comp policy, payroll, etc.

I insure more than 500 units with REIs and in almost every case I have seen a single LLC with GL and a Commercial Umbrella will be enough basic structure/protection to build on as your portfolio grows and changes.  

I hear this A LOT from house flippers, my contractor has GL and lists me as additional insured.

Carl, $1M GL and added as an Additional Insured on the tenants policy are the main strategies.  

He knows I have a huge security gland. 

You will package your Property, GL, and Umbrella coverage with a another insurer, and they would never be notified of your turning in a claim to the policy that I am recommending. 

The question you should ask is whether your liability coverages (check your homeowners/GL and your umbrella/excess forms) might exclude bodily injury to a hired worker or otherwise exclude coverage to your tenant's injury while doing this work for you.

Gland to hear that smaller creditors can oversee that.