If you pay a quality lawyer for your paperwork and are a diligent professional in setting up procedures and systems for doing business, then you can mitigate a lot of this risk yourself.General liability insurance: This helps cover the LLC if someone slips and cracks their head open on the sidewalk, gets hurt at work, etc.

Turned out that it was under the sidewalk, a few feet from the water main.

This farm stand does block up part of the sidewalk.

I have a 4 step stairway on a hill between roadway and sidewalk.

The skinnier stuff also responded to multi-angled hits from the corners of a sidewalk scraper.If doing all over again, I'd go just with blunt force trauma with the tile and sidewalk scrapers, but heat did get me through the layer of concrete-like impermeable superhuman lead or whatever it was ;)  Wear your ventilator of course!

The first property I was warned about needing to have to fix the sidewalks and driveway due to trip hazards by my commercial insurance broker. 

I am referring to the roof or sidewalk.

If it's a domestic water line leak, in Philadelphia we have shutoffs at the curb in the sidewalk.

The FHA says that examples of such problems include but are not limited to the following: Missing handrailsCracked or damaged exit doors that are otherwise operableCracked window glassDefective paint surfaces in homes constructed post-1978 (because of lead paint hazards)Minor plumbing leaks (such as dripping faucets)Defective floor finishes or coverings (worn through the finish, badly soiled carpeting)Evidence of previous (non-active) wood-destroying insect/organism damage where there is no evidence of unrepaired structural damageRotten or worn-out counter topsDamaged plaster, sheetrock or other wall and ceiling materials in homes constructed post-1978Poor workmanshipTrip hazards (cracked or partially heaving sidewalks, poorly installed carpeting)Crawl spaces with debris and trashLack of an all-weather driveway surface=================There are many areas, however, where the FHA does require problems to be remedied in order for the sale to close.Electrical and Heating The electrical box should not have any frayed or exposed wires.All habitable rooms must have a functioning heat source (except in a few select cities with mild winters).Roofs and Attics The roofing must keep moisture out.The roofing must be expected to last for at least two more years.The appraiser must inspect the attic for evidence of possible roof problems.The roof cannot have more than three layers of roofing.If the inspection reveals the need for roof repairs and the roof already has three or more layers of roofing, the FHA requires a new roof.Water HeatersThe water heater must meet local building codes and must convey with the property.Hazards and NuisancesA number of conditions fall under this category.

This house actually didn't flood during Harvey, the water only got up to the sidewalk.