You bear responsibility if a guest sustains an injury while on your property, and you might be obligated to cover their medical expenses.
Mitigate this risk by confirming that your insurance policy includes coverage for such incidents. In the event of a person getting injured in your unit, they can submit their medical bills to your insurance company. Typically, medical expenses are settled without the need for a liability claim against you, with standard limits usually falling within the range of $1,000 to $5,000.
Note: Actual policies must be consulted for specific terms and conditions.