I dont practice in the insurance law field butttttttttt one thing I recall from law school about whats covered or not covered in an insurance policy is: Its whats in the policy that matters NOT what your agent says, not what some attorney says, certainly not what anyone here says (regardless what THEIR own policy covered or didnt cover), its very strict contract law and interpretation and the lawyers who write the policies for those companies arent dummies.
Id say if its NOT covered (which it may well be, READ THE POLICY) it wouldnt be too exoensive to add a rider for liability in case your negligent operation of the unit caused injury to another person. Theres likely a small risk of that if youre operating it strictly on your farm so you have to decide if you want to bear the risk or insure against it,,, ITS YOUR RISK AND YOUR CALL if its not already covered that is.
Also, accidents do happen, but to be liable for anothers injuries the law has to find you first had a duty to another, you breached that duty, and such was the proximate cause of the injury i.e. Defendant has a duty NOT to expose Plaintiff to a "reasonably forseeable" risk of injury......Lots of fact questions and legal issues involved there.
My best free unresearched advice if your policy doesnt cover liability and youre gonna be using it alot and assuming a rider isnt all that expensive Id consider insuring against the risk myself, but hey Im NOT much of a risk taker
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Today's Featured Article - The Nuts and Bolts of Fasteners - Part 2 - by Curtis Von Fange. In our previous article we discussed capscrews, bolts, and nuts along with their relative hardness and thread sizes. In this segment we will finish up on our fasteners and then work with ways to keep them from loosening up in the field. Capscrews, bolts and nuts are not the only means of holding two parts together. When dealing with thinner metals like sheet tin, a long bolt and
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