I do have insurance on my business. However I think that by me being insured only makes for more problems because they have attorneys with big guns to convince a jury that the homeowner could have avoided the accidennt.
Otherwise I would not personaly be able to afford to sue the homeowner.
I know of a couple of cases where the fathers insurance sued the fathers own son because the drunk dad fell at the sons home.
We all must realize that any insurance company paying out a large claim will indeed sue someone else.
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