My quick tip of the day is coming from show 112,  When looking for a property management company, make sure they have liability insurance, so in case someone gets injured there insurance will handle it,  and not yours. 

Rather than waiting for some damage to occur or even worse, someone getting injured, as the property owner, I'd just take care of it.

That lawsuit is a claim for fraud, and that’s what fraud typically is...a misunderstanding and someone being “injured” and wanting to hold the other responsible for it.

If you do insure it on a separate policy, I would recommend using the same company as the could be a question of what policy responds if someone gets injured outside of the unit. 

You may get injured and not be able to work.

If a tenant were to get injured because of owner neglect, they'd still be able to sue you, the owner for whatever their lawyer(s) would like to go after including personal assets.

That's the public image, the only one who really know if someone got screwed is the scammer and the injured party.

@Alex Craig,We literally had a duplex explode two weeks ago and now we have to tear it down (thankfully, no one was injured!).  

I spoke to my home insurance company (AAA) and they mentioned that they do not cover anything related to the new addition (no liability and no coverage on the new detached in law unit that will be constructed).Couple of contractors that I am looking into do not have worker compensation insurance and neither their sub contractors have worker compensation insurance. the GC might ave liability insurance.How do I go ahead in this situation to protect myself if somebody gets injured  (GC, workers or sub contractors) during the construction.any help will be appreciated.

That lawsuit is a claim for fraud, and that’s what fraud typically is...a misunderstanding and someone being “injured” and wanting to hold the other responsible for it.