Would love to get some feedback on what they could be and how I should protect myself going forward.2.

She doesn't.By rejecting her application, you are protecting yourself but you're also protecting her from getting into a financial situation she can't afford.

However, for just yourself, I personally don't see a reason for the limited liability protection, the primary benefit of a LLC.Good luck.

During times like these and what everyone saw were companies, no matter what industry, protect their losses on their P&L statements.

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If you have hundreds of thousands or millions in assets and cash, then you would want to be careful and protect yourself. 

He paid.If you feel it's a legitimate threat, hire an attorney and let them protect you. 

An LLC isn't necessary but certainly recommended to protect yourself.Find a reliable cleaning crew and handyman, they are the lifeblood of your business.Also look into pricing tools like Beyond Pricing and Wheelhouse (you’re leaving money on the table if you try to do it on your own).Last but not least, research your competitors in the space.

We wanted to down size a bit since our children are getting older and a cheaper payment to protect in the future from any down turns in the market in which I work.

No fair housing issue here, unless of course horses become a new protected class.