What's the difference if its the Coronavirus vs a laid off tenant or a tenant that has another illness or injury and can't work.

So many things went "right" in that wreck that I was able to recover somewhat quickly for the injuries I had. 

Or been so fat.Any personal injury should be covered by your insurance - which you have lots of, right?  

It seems odd to be rejected based on a temporary injury.  

Homeowner's policies often cap liability coverage at $300k or $500k, which isn't enough for a wrongful death or serious injury claim.

I have a specialized "short term rental" insurance that includes business liability insurance (inc. personal injury), property insurance and windstorm insurance. 

The apartment owners required tenants with disabilities to have a health care provider fill out a "prescription form" suggesting that he or she might be responsible for property damage or physical injury the assistance animal might cause.

This location is in a 1mm population metro area, 230 units, and costis about $1,800,000 all in.Limits of Insurance:Coverage:Liability andMedical Expenses $2,000,000/$4,000,000Occurrence/Aggregate Comprehensive Business Liability $2,000,000 Any OnePerson Personal & Advertising Injury$4,000,000 AggregateProducts Completed Operations Aggregate $2,000,000 Any OneFire Fire Damage $25,000 OccurrenceCustomers' Goods Legal Liability Deductible: $0 $25,000 AggregateSale and Disposal Liability Deductible: $1,000 $10,000 Any OnePerson Medical Payments $1,000,000 Occurrence Hired Non-Owned $300,000 EachEmployee Employee Benefits Liability $25,000/$25,000 PerClaim/Aggregate Employment Practices Liability Loc Class DescCoverage Limit Ded Valuation Type 1 Self-StorageBlanketBuilding & Business Personal Replacement Cost Property$2,100,000 $25,000 EarthquakeIncluded SinkholeIncluded Windstorm orHail Included 5%BusinessIncome Actual Loss Sustained 24 Months PollutionClean-Up & Removal $100,000 Employee Dishonesty$15,000 Money &Securities - Inside $10,000 Money &Securities - Outside $5,000 Accounts Receivable$25,000 Electronic Data$20,000 Valuable Papers &Records $25,000 Fine Arts $10,000Employee PersonalProperty $10,000 Limited PollutantRemoval $25,000/$100,000 Cosmetic LossLimitation Included Equipment BreakdownProtection Included Premium, Fees, andTaxes: BOP Premium: $ 7,760.00 Optional TerrorismPremium: $ 31.00 Total Premium:$ 7,791.00 Key notes:a.

As others mentioned, you have to worry about vacations, sick employees, people just quitting, work injuries, etc.

To add insult to injury many people move after 5-10 years so they never pay down any significant amount of their mortgage.