The resulting injuries were tears in the disks inside my spine leaking fluid causing pain.

Liability insurance will cover many things the contractor may accidentally do to cause damage to property or people in the course of his work; workers comp will cover personal injury of the worker and/or his employees/sub-contractors.

Single family with a fenced yard, I would allow it under the circumstances that all tenants sign a liability waiver for any injuries and carry a renters policy to cover their liability.

And if you are doing a flip, and have workmen working on the property, it's probably a good reason to have an LLC to protect yourself from any liability for injuries etc.  

A lawyer (family member) who works in personal injury once told me that one of the first things a lawyer will do when you come to them with a personal injury case is to look into the kind of insurance/assets the potential defendent holds.

Which I am supportive of, and I am into REI...at this stage I am just learning.We both agree, that a) as long as what we are into makes us happy, b) there is some kind of profit, and c) risk of financial injury is low, then she is on board with REI.For instance, I wouldn't even think about getting a property, even with zero down, without having six to nine months of cash stuffed away.

Heck i even still made time to volunteer as a firefighter for 9 years...Then i substained a major injury while working my day job as an assistant at the hospital. 4 surgeries later, my wife divorced me, and between not being able to work for some time and her leaving me i lost everything.  

This also assumes you are never out of a job/business which ignores the fact that sickness, injury,  or life circumstance happen. 

He says medical care should be reserved for the non-disabled, not given to those "who are irreversibly prevented from being or becoming participating citizens . . .

With injuries counted, that was three orders of magnitude more than 9/11...