I had my car stolen twice and was mugged three times, once in Grosse Pointe and once at gunpoint where my companion was shot and badly injured.

From a legal standpoint, please check into whether or not your insurance policy would cover her, in case she were to get injured. 

Getting insurance is very important, but let's imagine that you have $1mm of insurance on a property and someone is injured on the property and wins a claim for $2mm.  

Besides the insurance requirement, just because the garage would be off limits doesn't mean that kids wont play nearby ignoring your rules and get injured.

Or you're injured severely enough to keep you bedridden for three months?

I want a guy who is licensed, will warranty the work and carry insurance that will protect my property in case he messes up. flood burst pipe/fire/boiler blows up etc...but when hiring carpenter, painters or flooring people ...do I really care if they are insured or not. those folks will show you certificate of liability insurance ...which does not protect the guy from injuring themselves on the property. how much damage a painter can cause or flooring guy ?

Your contractors should have their own policies that cover damaged/stolen materials throughout the construction process, but if somebody vandalizes the building or injures themselves on the property, you would be open to liability or cost of repairs.Hope that helps!

Some businesses attract customers to the property which can result in traffic and parking problems, or extra potential for liability if a customer was injured on your property.

He made threats and a couple of days before the eviction hearing, he pulled down the ceiling in the kitchen and pretended that his mother had been injured when the ceiling "collapsed".

If one of those kids gets injured, say, playing on a swing outside, who do you think is more likely to get sued?