Why would you hire an uninsured contractor is first question.To answer your question though home insurance polices come with a certain amount of workers comp insurance built into them and could offer coverage in this case.what you should be doing before hiring any contractor is asking for a certificate of insurance. 

I have had Police, Fire, Utilities, etc and all kinds of others reach out on properties due to some emergency that required a quick response. 

Fellow wholesalers pay no attention to Realtors, Brokers, and other investors who pose as the ethics police against wholesalers.Wholesalers deal in 6%-10% of the market and this leaves plenty of meat on the bone for Realtors.

When a tenant smokes and you find out, the proof will be in the smell, but local police won't have authority because it is legal in South Dakota.

When you do look at it you can determine if there is something there that needs to be turned over to the police.

Then you have the police.

The property manager I'm working with is also a police officer there, so I think I'm getting a great 2 for 1 deal on that - Property Management and a Security Patrol - what more could you ask for.

She had spoken to the owners of both buildings, sold the one I'm looking at, spoke with the police that patrol the area and spoke with the neighbors. 

We actually checked with the police department and gave them a few addresses we were considering, and they gave us some info on the area.We also felt everything we saw was vastly overpriced, and the rent rolls (unverified) were nowhere near supporting the investment.

I was a police officer in North STL Co, so familiar with the different areas up there.