I'm in agreement w/ everyone here about it being ridiculous that we should have liability if someone gets hurt on our properties.

The unfortunate truth, however, is that anyone can sue us for any reason. Even if the issue is basically a joke, we'll still have to defend ourselves in court with no chance of recovering legal fees.

The main reason for this inexpensive insurance is to handle any "frivolous" lawsuit. If such an unfortunate event occurs (that I'm sued by some scumbag), it won't cost me a dime. It will be the insurance company's problem. I'll still have to be involved in the legal process (depositions, interrogatories, etc.), but I won't need an attorney. This is assuming that the insurance company's attorney is not a total wastoid.

Excerpt from Robert Crais' "The Monkey's Raincoat:"
"She took another microscopic bite of her sandwich, then pushed it away. Maybe she absorbed nutrients from her surroundings."