We carry a substantial personal liability umbrella policy. We also post our property and provide reasonable protection where we deem necessary. For instance, we put a gate across our deck/dock entrance. Do I care if somebody walks out there? No, not really. Do I care if something bad happens, should somebody walk out there? Yep.
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Man, you can't be too careful. If nothing else, make sure you have adequate liability insurance....from day 1.
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I will be curious to see the expert responses on the co-owner thing.
