My limit requirements are:Commercial General Liability Insurance$1,000,000 Each Occurrence Limit (Bodily Injury and property Damage) $2,000,000 General Aggregate per Project" $2,000,000 Products & Completed Operations Aggregate"$1,000,000 Personal and Advertising Injury Limit"Business or Commercial Automobile Liability Insurance$1,000,000 combined single limit per accidentWorkers' Compensation and Employers' Liability Insurance$100,000 Each Accident$100,000 Each Employee for Injury by Disease$500,000 Aggregate for Injury by DiseaseExcess or Umbrella Liability$1,000,000 occurrence/aggregateAm I asking too much?

. :) I only suffered one small injury; a case of carpel tunnel from signing 100+ pages!

As to the ethical side again, you're saying I suppose that you don't treat people the same, you base how you treat them based on your ease of communicating with them, so, you have no issue with not renting to a stroke victim who has difficulty in speaking but is still self reliant or an accident victim who can't speak due to an injury.

No injuries or extra fires - but the danged things came back a year later.  

Her parents sued the family who had the swingset and won.This article by a lawyer says they won't win a lawsuit against you unless you knew the playset was dangerous, but that still wouldn't stop people from suing you.http://www.zimmetzimmet.com/faq/child-injuries/im-...You could take the chance, but you'd need to make sure it was really well maintained, and as I said, you would probably still get sued and even if you won, it would be expensive.

Why would I be at risk if one of their clients gets an injury just because its my property.

I want my tenants to change their own bulbs if they can be reached and this sounds reasonable.I also want to make sure my places are well lit (read: hazard free) and I don't want to encourage them to do any work that could lead to an injury.

I have never been told of this issue and have a lease that says the Tenants refused Rental coverage and are responsible for any injuries or health.I have offered her to move out and return all her deposits with no penalties. 

Apart from it being a serious bio-hazard it could also be the cause of injuries should someone slip on it.Assuming the driveway is actually legally your property (not the city's or whoever) then, also, the tenant damaged your property.

We're not solely financially independent yet, so the thought of continuing to pay for our property out pocket does not phase us nearly as much as the treat of a multimillion dollar lawsuit stemming from a terrible personal injury.Maybe I've seen too many personal injury attorney tv ads?