The last thing you want/need is this tenant to be injured while doing such work, only to find your liability insurance will deny the claim based upon such an “arrangement”.Also, if you are rehabbing and flipping houses, do not purchase the materials foryour contractors as this too will imply an employee/employer relationship.Get your bid.Pay your contractor and have him buy his own materials based on the bid.

. - Risk to seller: contractor injure & will sue owner on record- Risk to seller: Contractor cause an error with plumbing or electric - can be costly to  seller since until the deed not signed - property still belong to seller and buyer can just loose escrow. 

After all this, no attempts where made to remove  ice.the lady who is injured asked our management company for the insurance information to file a claim.

In today's legal climate, it is more than assured that the injured moron, I mean guest, would pursue legal action.

If you are "not using your insurance" does that mean you are not carrying general liability on this job, and therefore the investors could be held liable if you or one of your workers was injured on the job?     

Tara, unfortunately, he was badly injured in the attack.

Insurance for REI has two flavors:to cover the mortgage (aka the loss payee) and property lossto protect you're liabilityWhen a tenant burnt an upper unit, FARMERS was aces in funding the restoration.If a tenant (or their guests) get injured on your property, the WILL see you as deep pockets and go for your money. 

Or, if something is not quite right and a guest or future tenant gets injured and sues, your insurance co. won't want to pay because it wasn't built by a licensed contractor.As a great tenured tenant, you do want to pacify them.  

My agents/brokers all know that I'll switch based on price at any time provided that coverage is still sufficient to make me or anyone injured whole should it be needed.

If a small child was injured and you were sued, could you be held liable?