Their properties, often their homes, are sold because they cannot pay their loans, often because of job loss, divorce, injury, death in the family and other events outside their control.  

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

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.

I'm sorry to hear about your injuries and your loss.

He is currently working with a VA related program to provide housing for homeless veterans near where they receive treatment for injuries, PTSD, etc.

I am a personal injury attorney and have sued my fair share of landlords and property managers.

If the person is injured (or pretends to be injured) are you liable not only for his injuries but also in trouble with the state for not following the employment laws?

If you pay this guy to do work realize that if he gets hurt and doesn't have insurance to cover his injury you more than likely will be involved and get sued.Vendor's are best or do it yourself. make sure your vendor gives you copy of his insurance coverage. 

Insurance is issue, do you have workers comp to cover them for injuries ??  

Settlement.As far as employee work related claims I've seen a few for injuries and workers comp is why you have insurance.