We have an additional liability policy on the farm for haymakers, hunters injured by livestock, dogbite, etc. Costs about $190 per year. Worth every penny if never used, as they say. Not sure what it's worth if actually needed. I have had bad experiences with insurance companies.
Our church insurance agent insists that anyone who works for the church, excluding church members, have proof of their own insurance. NO coverage under the church policy if non member is injured.
I got copies of letters from the contractor's insurance companies certifying their coverage when we did a building expansion on the church a couple years ago. You know how it works - if you get all the stuff you need, nothing happens. As sure as you skip something - someone will get hurt. Murphy's law, I guess.
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Today's Featured Article - Talk of the Town: The Saga of Grandpa's Tractor - by The following saga is from the Tractor Talk Discussion Forum. Someone. The saga starts with the following message: Hey guys I have a decision to make. I know what you all will probably suggest and it will probably agree with me way down inside, but here it is. I have a picture blown up and framed in my "tractor room" of a Farmall M. It was my Grandpa's tractor, of which whom I never got to meet. He froze to death getting this tractor out of the barn to pull a truck out of the ditch before I was born. Anyway my dad and aunt had to sell it at the auction,
... [Read Article]
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