Never know what that "greed gland" may take over and do.Hope that helps.  

They are drug tested, background checked and covered under my GL and workers comp policy.

All worker must be ask to show proof of GL and Wc insurance to protect yourself...

This could be a $300,000 suit waiting to happen, specially because they wont spend a dime suing you.We pay around 20k (up to 50k/year payroll) to have work comp every year, together with GL and in my case, more than that because our company has extensive insurance coverage that gets layers and layers of protection for both clients and contractor.

Just large enough to get the greed glands pumping full power.Your loan is an adjustable rate loan.

GL and let us know how it turns out. 

Owner doesn't care about the house now but tomorrow someone else will call him and offer him money for the deed and all of a sudden the greed glands start pumping.

Make sure they name you as an "additional insured" on there GL and send you a cert if that is typical practice in your market (it is in mine)Good luck

Anyone have a good recommendation on GL and P insurance for Hawaiian Islands?

First level coverage for a PM is GL and E&O.Per your examples, "want to be insured in the event of a guest getting hurt" This type of claim would typically fall under the Property Owners policy and not the PM."