This is in FL and the lease says "We will not be liable for any damages, loss, or injury to persons or property occurring within your dwelling or upon the premises.

This is rare but may occur with notes originated with private parties.  2 - the lender gives his blessing to the assumption of the note.  

Also the investor  who makes a conscientious effort to do these items is in most cases more prepared for when the liability event does occur. 

We do not have much seasonality, but do have some minor peaks that occur in Fall during football season and Spring for University related travel. 

I find this is more likely to occur when they are paying the utilities.  

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.

This holistic view can also help prevent gaps in coverage or unnecessary overlaps.Easier Claims ProcessWhen a loss occurs, dealing with one insurer can make the claims process faster and more straightforward.

Unfortunately most investors focus their time and resources on preparing for the liability event rather than proactively operating their businesses in a manner that prevents the liability event from occurring.

Assignment fees tend to be higher maybe $10k and only occur if closed.In that case, you'll get cut out unless you have an investor you really, really trust.

We don’t know any PMCs to recommend in the area mentioned, but since selecting the wrong PMC is usually more harmful than selecting a bad tenant, you might want to read our series about “How to Screen a PMC Better than a Tenant”:https://www.biggerpockets.com/member-blogs/3094/91877-how-to-screen-a-pmc-better-than-a-tenant-part-1-services-and-processesWe recommend you get management contracts from several PMCs and compare the services they cover and, more importantly, what they each DO NOT cover.