Or worse, God forbid the tenants get injured in the flooding while on the property.As I understand it, I need a non-FEMA flooding policy, and I have no idea which companies I should start talking to.Thank you!

This makes me worried that if something does happen to them, say they get injured at the pool, they could sue me.

I was wondering, if I hire an employee (General Labor) and he is injured during a work at the residence.

Sure you may save a buck , but when something goes wrong you will pay dearly .https://www.proremodeler.com/who-liable-injured-subcontractors

If you get too busy to self-manage or, forbid, get injured/sick, you want to know the property is self-sufficient financially.

If he gets electrocuted or injured, you're screwed.

If there was ever a fire and someone was injured or died you would not be covered.

Landlords have absolutely no recourse against these dogs who can not only do damage to houses, but can injure other people. 

That lawsuit is a claim for fraud, and that’s what fraud typically is...a misunderstanding and someone being “injured” and wanting to hold the other responsible for it.

You could type up a release for them to sign which may give you a little protection but if someone you hire gets seriously injured, paralyzed, or dies and they are a day labor type person or doing side work from their employer you will probably get sued by their family anyway.