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.

If you are hurt in an accident, you don't go to a real estate attorney for advice, you would go to a personal injury lawyer.

Personal Liability: For claims due to Bodily Injury or Property Damage that you becomeLiable for and which is covered under the policy.

., an injury to a construction worker). 

The Landlord is not liable for any damages that any such pet may cause to the Premises or any property, or to any injury to a Tenant, or other persons or animals, and the Tenant agrees to indemnify and hold the Landlord harmless from any and all claims or actions resulting from any such damage or injury, including costs of defense and legal fees.

Entities are created to protect you against two types of liability:Inside liability: something is happening within your entity (slip and fall from a visitor or tenant, mold health issue, ...).Outside liability: something is happening in your personal life (you are at fault in a car crash with major injuries, ...)Not all entities are created equal for liability protection.

I dont' work, due to age and injury and the legal system.  

Other than replacing the window which I know you don’t want to, you need to find a way to add a strip of something to cover it as it could be sharp and possibly cause injury.  

The only time I see this remotely being an point of concern is if there were horrific injuries and the owner had grossly inadequate Insurance (which should never be the case). 

Most people forget about their wages, but in an injury judgement, all your assets can be exposed when you have exhausted your liability coverage.