The panel has no main breaker.
It's possible that this panel is what's called a "split-bus" panel. Picture two 12-space main-lug panel 'guts,' stacked one above the other, in a single enclosure. The lower section is fed by a 2-pole breaker installed in the upper section, labeled "main".
When you can de-energize the entire load with no more than six "throws of the hand," a main is not required. The largest 2-pole loads are usually placed on top, and the single-pole breakers and any remaining 2-poles are placed in the lower section.
Anybody know if it is required to bring this up to a 3 wire service and rewire the house. Or is it legal to change like with like. Do they even make polarity receptacles anymore?
That depends on your local requirements. Around here, if you renovate over 50% of the premises by floor area, the entire structure must be brought to present code. This includes receptacle placement and location rules, as well as the stuff mentioned above.
Should I even bid these? If someone gets hurt because there is no ground, can I be held responsible?
What would your role be in this? Are you an EC? Your permit application should include whatever work is necessary to make any work done compliant with whatever electrical code is required by whatever building code will be in force.
The GC is the one you need to find out most of this info from, and your local permits and inspections dept. can answer the rest of your questions. Once you have that done, we can discuss options for doing the work in a way that is both compliant and safe.
And welcome to the zoo! :smile: