[larrys]

"then their professional liability insurance would protect them from the fall-out of sloppy workmanship"

Assumes the homeowner checks that the insurance for the professional is valid at the point the repair is made. Of course nobody does that. (They ask and are told they are insured. Maybe on a large project but on a small repair?)

Along those lines I have a doctor that is practicing in a property that I own (commercial). As part of the lease (as with all tenants that I have) they are required to provide not only proof of insurance but to add my LLC as a named insured to the policy and provide what is known as an ACCORD certficate (as proof). They do have the insurance (I have seen the policy) but even after 2 months I have not been able to get them to get their agent to provide the ACCORD cert. So what am I supposed to do? Tell them to move out? In theory this needed to be provided prior to moving in. But as things like this go of course you give leeway and try not to be a hard ass. I am sure I will get the cert but there is liability for a brief time prior to receiving it. My point is all of this is real life and the difference between what is taught in school (or online) and what actually happens in business. [1]

[1] And another tenant provided the CERT but named me personally instead of the LLC. And I've had cases where my own insurance company mixes up company names (there are several) on the policy and it's a constant battle to get all paperwork actually straight and in order (easy when you own 1 thing, much more difficult to keep track of when you own several or have multiple tenants).