If you hire the laborers direct, you become liable for any injuries.

And in those situations, you would be liable for injury, etc. because you provided it.It may seem like splitting hairs but just ask "what's my liability here?"

Kevin didn't have his seatbelt on which is unlike him, he was ejected and his buggy rolled on top of him and caused internal injuries leading to his death.

A blessing in disguise came along in the form of battling a serious illness and bodily injury 10 years ago til today.

And in the event you get a real doozy of an injury and even that doesn't cover it, if they'll sign up to be liable for anything over that.  

Governments in our Western democracies kow tow to the corporate world and get 'sold' the message that these entities, even when they prove breathtaking incompetence, somehow need saving - and then to add insult to injury, all at our cost.Agreed, this does offer a huge opportunity for those of us with the tools to operate in this market but for me, there is a bigger picture that can and will benefit humanity.

But it happens.Then to add "insult to injury", my buyers wanted their earnest money deposit back!!

A few things to think about: hassle, work quality, permits, hazards/ injury, time to completion. 

Liability insurance to cover claims or lawsuits resulting from bodily injury/property damage to others caused by an accident on my property2.

Suffered an injury, which lead me to Real Estate in the first place.