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If you are referring to my post I guess I wasn't clear. I agree with your points that the insurance covers you as you described but most people don't realize the extent of their responsibility. Enforcing some of the safety and non-player issues are important as they prevent such issues from occuring. They are very rare but you are in much better position if you've followed the things pointed out by Texas Aggie. Some of it is common sense but it's good to be more aware.
Thank you so much for the info!! I think we are all better because of it!
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