That lawsuit is a claim for fraud, and that’s what fraud typically is...a misunderstanding and someone being “injured” and wanting to hold the other responsible for it.

I had an IRA owned house burn down a few years ago and thank god no one was injured. 

I'm thinking a pool in a tenant rental is asking for trouble, tenants injured and suing.

Injured while robbing a bank...

Maybe not but still....I'd also be worried if one of my tenants or their guests were injured or heaven forbid worse with loss of life.

Yes, I know I should not be doing that but my competition does it all the time and that’s why their houses are priced much cheaper …do you think Builder’s risk insurance will cover if an uninsured worker gets injured on my property ?

It hasn't come to that point yet my adjuster contacted me just a week or so ago telling me a file was transferred to him about an accident I have last year telling him  the other side is calming injures and has an attorney.    

Plumber is injured and rescheduled for 6/4, and we rescheduled the insulators for 6/8. 

Alvin,There are a couple of reasons why it makes sense to require the coverage:1. if they cause an injury to a third party and do not have insurance, the injured party's attorney will be looking for a reason why you were somehow at fault2. if a loss such as a fire damages the property and their contents are destroyed, your policy will not cover their contents. 

I have no protection from my insurance company, if my tenant gets injured down there.