I purchased an old Honda Accord back in 04, ten years later after having a jump off some rocks into the Yakima river, I injured my heel and had to pay a visit to the podiatrist in Federal Way.

Hypothetically, suppose a contractor is severely injured at one of your flip houses.

I've been warned by my agent to be sure contractors are licensed and insured because my landlord insurance would deny coverage if something happens and the contractor is not licensed and insured.If the contractor is not licensed and insured and if a worker is injured doing work at my property, I'm told in my state the property owner will be sued.

This would never happen--health care professionals, Doctors and Nurses, they have a code of ethics to treat the sick and injured, not to pass judgment.  

She was injured but recovered.

,My big fear is FIRE, if someone dies or gets injured on my property, i hate lawyers with a passion.... we combat this fear with adding a ridiculous amount of smoke detectors, carbon monoxide detectors, not 1, but 2 fire extinguishers, and safety ladders for 2-story houses... just spent $1K on extra supplies last month!  

She is self employed and is a full time caregiver to her brain injured son.  

So it's never too late.I started in Real Estate in my late 20's, didn't get serious until I was able to walk away from my contracting business after getting injured in my late 30's, then semi-retired I started a real estate note business in my late 40's and haven't looked back since.

I am scared both for the property and for my liability if he were to injure himself.I am very new at this, so it didn't even occur to me to write anything into the lease about excessive drunkenness.

3) Kid was sick / injured / hospitalized?