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 - The 8N and the Fox - by Zane Sherman. Dec. 13 1998, Renfroe, Alabama. Last niht I dreamed about the day that I plowed the field of about 10 acres over on what Jimmy and Dandy called the Ledbetter field. I was driving the 1948 8N Ford tractor that Jimmy bought in 48 new This was prebably in about 1951 and maybe even befor the house was built. This would have made me to be about16 years old and I drove the tractor for nothing and would have paid to drive it if I had had any money which I didn't, but neit
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