Quote:
Originally Posted by Terrapins Fan
And you know this because.....
If we are not responsible, why do we carry insurance?
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Because even if a lawsuit gets thrown out (which it will except in the case of gross negligence) it costs money to defend yourself. Anyone can get sued.
I belong to NASO and I have an umbrella insurance policy. The main reason is to have someone else with skin in the game so they provide the lawyers I'd need *if* I get sued.