This subject has always concerned me. We have tons of people out on our small farm (photographers etc.), have regular farm insurance covering stuff, like cows getting out, people picking up equipment etc. but when my wife started doing weddings at our place we had to get more, cost us $260 per year for "events".
Now, if we were to allow alcohol on our property it is a different story, 95% of companies would not even write a policy. We still haven't figured that one out yet as most anyone who has a wedding wants/needs alcohol.
Seems like most people just roll without it and don't worry and never have a problem? Our insurance agent said you need to have enough coverage to where it becomes more attractive to deal with the insurance than to sue you for your personal property. There are lots of things on a farm that could hurt you if you are jacking around acting like an idiot, but there are tons of people doing hayrides, pumpkin patches, and general farm tourism stuff that never lose sleep over it?
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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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