The Tenant understands any insurance the Landlord may have will not cover the Tenant’s personal property, Tenant, or Tenant’s guests who may be injured while on the premise.

In other words, can the injured decide that they only want to sue me and leave the contractor out of it?

Also what happens if someone gets injured while working on the house?

The worker is injured: by law you owe you common law employees for work comp.

Now, I get my $47,000 spend $3,000, that's a good day for me, $44,000 in my pocket, and I don't even have to work for it.If I was the investor, why would I risk my asset, money, and things that I worked for years for one guy who might get injured, disabled, or perhaps die on my clock and everything goes away?

It is well-worth the cost and I think I pay $600 per month and if I get sued I have to pay the first $25,000, but when I was sued without having EPLI insurance I was visioning my ex-employees owning my apartment buildings and I lost 30 pounds because I would get up every night at 1 am and work all night putting documents together.The worse and most-aggravating thing about the Civil Lawsuits is my employees sign three documents every week acknowledging that they took all their breaks and my employees enter the number of hours they work every day on their time cards in their own handwriting and not one of the employees who worked for my company worked overtime and every employee signs a legal Wage Earning Statement every week, but the attorneys still file the Civil Lawsuit and they don't care who is right or wrong because they know that I will pay money to make the cases go away.So, if you want to expand, then make sure you create documents your employees sign every week stating that they acknowledge that they are entitled to the 10-minute uninterrupted, 1-hour uninterrupted lunch breaks and make sure they sign stating they took their breaks, create two copied of Wage Earning Statements, make sure your employees sign one copy and check to make sure your Wage Earning Statements cover everything they are supposed to cover e.g. tracking overtime, tracking vacation time allowed and vacation time used, etc.You never know what employee will sue you and if an employee is seriously injured I am the first person who wants to make sure that employee is 100% covered by workers comp, is covered for disability and I want to back that employee up like he is my own child, but even when an employee is covered by insurance many employees are snakes and they turn against you and many employees are seriously injured and their lives are upside down.

I don't see any evidence they actually applied and were rejected or in any way injured by the Landlord's policy.

A little ol' lady's life savings isn't worth itReal estate investing is risky, and those who are new to the business and haven't been injured yet fail to appreciate the reality of that risk.  

If someone injures themselves and sues, they will be suing the LLC and not you personally.

There was a passenger in the car who was seriously injured, taken to hospital and requires surgery.