It's also clear on my requirements of clean criminal record and decent credit, my pet policies, and includes lots of pictures.I have a Google Voice number that directs to my personal phone.

You will want to get on the same page as far as policies and procedures. 

I would think you did as a lender would want a lender policy.. so whats the issue ?

If he has some sort of medical insurance, either through his job, an exchange, or some other route, he should make a claim on that policy, as far as coverage for the injury.This would be covered by some sort of short term disability policy or an AFLAC type policy. 

Continue to keep the properties in my name and get a large umbrella policy (dwelling policy) to cover any liability that I may be subjected to.2.

Does anyone know of a insurance company that will write a policy on a apartment property without a four point inspection.

You need to create the rule and then have a policy in place on how to handle violations quickly and fairly.

I recently got a WL policy designed for IBC use. 

Your basic insurance policy with $300,000 in liability coverage should be sufficient in 99.999% of all lawsuits.5.

Since you already own the SFR you can simply change the insurance policy to cover yourself with tenants in the home and then on the new property utilize an FHA to house hack.