It is often recommended that you have them name you as an additional insured on their policy for the Liability coverage.  

If your insurance coverage isn't enough, they could seize the LLC assets, but not your personal assets.Additional thoughts:1.

If your insurance coverage isn't enough, they could seize the LLC assets, but not your personal assets.Additional thoughts:1.

An insurer frequently doesn't even know the use of the property being insured particularly when it a SFR.I have personally had to provide a state investigator an explanation not only of how I reached a coverage decision but document the timeline during which those actions were taken when an insured had submitted a complaint. 

If you are going to use day laborers and unlicensed contractors to do some or all of the work on your properties you may want to take into account that your insurance coverage will not pay out when an accident happens during the course of breaking a law. 

Try to maximize your coverage with syndication websites (rentlinx) or just a property manager, they usually are able to access multiple sites at once as well! 

You may find better coverage elsewhere.

Clearly I am using the HELOC to supplement my income, clearly I'll be using those funds to pay the interest on whatever I do use - which will never be $100K...HELP PLEASE...Do I keep trying?

We used a non-QM (Qualifying Mortgage i.e. not Fannie, Freddie, and FHA) that was a DSCR (Debt Coverage Service Ratio) loan with one of our lender partners How did you add value to the deal?

You don't need to be an a$$ in life, but you also don't need to supplement the living expenses of others.