I remember in College Business law about why people have to fence their swimming pools. It's called the "Attractive Nuisance Law". I have a rider on my homeowners policy to protect me agaonst trespassers being injured on my place that is 70 miles from my home.
The reason I bought it: I heard a story (unconfirmed)about a Local City Council member that owned a large ranch overlooking the city limits of Fort Worth Texas. To promote the city, he agreed to let a camera crew and a model take pictures on his property with Fort Worth in the background. I assume the pollution was low that day. Some guy came along on a horse and the camera crew decided to let the model sit on the horse for a couple of pictures. The model somehow exited the back of the horse and landed on her face. She sued the landowner because her number one asset was damaged. He claimed that he had no idea who the guy on the horse was. He had no insurance and got hit pretty heavily.
The rider on my homeowners policy doesn't cost much. It is worth checking into.
