Sure, but if a home owner puts up a railing (which my house has) there is VERY little risk of a fall in the first place. Insurance companies play the "odds" of someone having an accident, and I play the same "odds" of someone NOT having an accident while saving my money.
I think we're going to see alot of insurance companies go belly-up with the coming depression,... in fact Brooke Corporation has closed up shop in my home town, and 200+ ex-employees are now looking for work.
Insurance companies thrive on the "fear of what might happen", while setting stipulations in their policies that greatly reduces the chance of any accident.
Insurance is all a game of "playing the odds" of having an accident, while reducing those very same odds in one's particular favor, and I've been doing it successfully for over 60 years (without insurance). :)
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Today's Featured Article - History of the Field Marshall Tractor - by Anthony West. Any restorer who has some knowledge of turn of the century farm machinery, will recognize the name Lanz Bulldog!! This machine was to say the least unusual in its appearance. The huge flywheel and coffee percolator shaped exhaust. Along with square body lines and cylinder head protruding forward of the front axle. Would become the visual differentiation that people would quote to separate the Lanz from other period machines. The Marshall company based at the Briannia Works in Gainsborough
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