Mike,we covered this the last time you talked about pulling a hayrack for some special event at work. I mentioned then about the hayrack ride here a few years ago where the kids began horsing around in back, a girl went over the side, and her head was run over by the wheel. Gruesome injuries.
You would be doing yourself and the girls a favor to have the insurance. You go bankrupt when an injured girl sues you and an injured girl and her family go bankrupt cause they don't have the medical insurance to pay for her medical services. They end up with a quadriplegic and no way to support her. It only costs them a few bucks apiece and they are covered. It is easily foreseeable that kids may horse around a little bit. Better to call the troop leader to ask for $300 than to call the troop leader telling her you are sorry one of the scouts got run over and killed but you were afraid to ask for $300 for the insurance.
When a dead or a quadriplegic girl's parents sue you or anyone else, it isn't because they are "sue happy", it's because some bozos caused injuries to their child. Those "sue-happy" Americans you are talking about are the parents of all those girl scouts you want to haul. What would you do if it was your kids who wanted to ride someone's hayrack and they were seriously injured or died?
First read your homeowner's policy yourself and don't trust the agent if he says there is coverage and then go over those particular paragraphs with the agent.
Also contact your agent about an umbrella policy. Not expensive and see if that covers you. A couple million isn't bad to have.
Somethings can happen that just aren't your fault. What if another tractor rear ends your hayrack and they don't have insurance? Insurance can be your friend. Just shop around for something cheaper. If they parade organizers have event insurance, get it in writing from the company and their underwriter that your negligent acts are covered and the girls are covered with both medical and liability coverage. Depending upon comparative or contributory negligence, I can see everyone getting sued. A parade's insurance may not cover the negligent acts of others.
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