I think that their reason is that I could get insurance, fake an injury, and get paid.In your case, I think that you'll find the majority of contractors don't have work comp.

Inasmuch as there is no bodily injury nor injury to outrage-protected interests in Alabama (dead bodies, the homeplace, etc.) when there is a denial of coverage, then if I had a title company and had such concerns, I'd probably come down on the side of turning down the applicant. 

Reporting and addressing minor concerns fosters community responsibility within the building or complex.Cons of Allowing Tenant Maintenance:Liability Concerns: Landlords may be held responsible for tenant injuries during property maintenance.

A laminate floor is easily damaged, and will look much worse than a real wood floor with a similar injury.

Insurance is generally the best way to recover in the event of a loss, but most contractors carry insurance that only covers property damage or bodily injury liability meaning even if you are successful and obtain a judgment, you are reliant on the GC to make good on a payment. 

The suit can and will always occur where the injury happens.

It turns out minor injuries that COULD POTENTIALLY lead to claims should be reported to both your insurance company AND Airbnb.

My HML requires a GL insurance policy that will cover me in case of injury so I'm not worried about that.

We will be living in the main 2B/2BA house for now, and renting the guest house.Does anyone have any insights on how to structure an insurance policy that covers us for both standard homeowners insurance risks, and home-sharing activity risks such as theft, property damage, and personal injury?

Each state has its own laws.Mostly determined by your tolerance for risk (10 small rentals v. a single 150-unit).Segregate character of income (rental income from dealer income, etc).Segregate by character of risk (landlord premise liability v. construction personal injury).Segregate by participants (spouses v. unrelated 3rd party).