They should have their agent send you a certificate showing that they have General Liability (for Bodily Injury & Property damage) and  Workers Compensation. 

I'm a landlord for a Davenport property, and I've been served a complaint for an injury claim by a neighbor who claims that a dog owned by my property's renter bit and injured her back in April 2022.  

Also side note for umbrellas is that they can also be used to cover your auto and primary home which gives you huge value should you have a liability claim in your home or get into an accident where there are injuries (especially when the accident involve someone who is uninsured or underinsured.  

The tenant has requested that the shelving remain as installed by the former tenant and assumes all liability for any defect or injury that could be sustained." 

He cost me $20,000 in lost rent not to mention his utility bill I  was paying for (insult to injury). 

I used to be a very caring landlord,responsive and of course proposing a great house in Good condition,but for 2 years I was almost not sleeping at night thinking an accident/personal injury/mold related health issue could happen and consequence of this would be them suing me for eventual High medical bills or else,which could mean losing one or more of my single family homes as they were all under my personal name,The point of my post is that it seems you cannot follow a "by the book equation" that would 100% prevent you from this to happenOkay I had the biggest umbrella policy up to 5 Million in coverage,but I have a limited trust into insurance companies,I can easily imagine them finding a way to not cover the problem if needed with some clausesI always was specially paranoid about MOLD,especially with the houses being in Florida,although the premises seemed to be totally ok at move in,you will always be told that there are some mold in houses in general,so the situation could quickly change without you noticing even with constant control,I add a very nice old couple as tenants but at one point they were telling me they had health problems because AC was not working for a day in order to have it fixed quick(of course as usual I respond or act fast to resolve the issue but this just ringed to my mind what could happen if they would get very ill and need to pay a crazy medical bill...)

I don’t know your market but $2k may be a little much but you get a certification that the resolution will work and if there is a failure and damages the property or injuries someone you’re not responsible as an unfamiliar laymen. 

Like most (I assume) I am really nervous about this irreversible decision.  

My biggest concern is it being a split level makes it a larger liability for injury and expensive water damage.

Personal injury - Two years from the date of the injury.