I'm disable from a back injury and tired of just waiting on a check each month.

However due to a work related injury, I'm currently on FMLA at my job only receiving 66% of my regular income without tax withholding until at least April 2019.

In small towns when you put up a craigslist gigs ad for painters, carpenters etc, no one has insurance.Reading here, having contractors sign a Contractor Agreement that shields the investor from the contractor claiming they where en employee, its debatable whether an injury on your project whether this contractor agreement will be of any value. 

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

It has been observed across the nation in the last 30-50 years that most injuries and deaths caused by earthquakes are caused by things falling on people (not structural collapse).

OMG, i'm glad to run into this. we're insuring a property this week and the tenants are the type to claim injury to get out of rent.

(falls, injury, death etc).

This is like asking a personal injury lawyer for an international tax attorney.

As a Landlord, see if you can get "Personal Injury Liabiltiy". 

When you do so, you may want to explore the costs of an umbrella policy to increase your Liability coverage.Also, If the new policy does not include Personal Injury (Libel, Slander, etc..) you should get a quote for that coverage.