Your states rules may vary but in a nutshell, there is no way to 100 percent protect yourself. You can only protect yourself up to the limit of the coverage. If you have 4 million in assets and a 4 million dollar policy and lose an 8 million dollar judgement you still lose everything. With that said, most attorneys will try to settle within the limits of your policy.
As of now, you've got 5000 to cover incidentals and 500,000 to cover any liability. Thats pretty decent coverage unless somebody dies or suffers a perminant disability. I've been on both sides of this a defendant in a civil suit that went all the way to jury verdict (I prevailed) and a plaintiff. My significant other is also an ins adjuster. For routine stuff as long as you arent in business and meet AZ laws you should be well covered. If you get an umbrella policy (I have one, 5 million, but its cheaper than workers comp and KY gives me the option for farm labor) be sure and read the fine print.
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Today's Featured Article - Hydraulics - Cylinder Anatomy - by Curtis von Fange. Let�s make one more addition to our series on hydraulics. I�ve noticed a few questions in the comment section that could pertain to hydraulic cylinders so I thought we could take a short look at this real workhorse of the circuit. Cylinders are the reason for the hydraulic circuit. They take the fluid power delivered from the pump and magically change it into mechanical power. There are many types of cylinders that one might run across on a farm scenario. Each one could take a chapter in
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