I have a CYA file an inch think, but like my insurance agent (my wife) and my attorney’s say….if someone wants your money bad enough your in for a fight. After a local farmer got sued by a deer hunter that feel out of a tree stand, and a trespassing kid on a ATV hit a barbed wire fence sued another local land owner…we took a hard look at our potential liability issues. Now..for the really ugly story. You think your friends are truly your friends? Have you ever had an Attorney say “ I think we can get six, maybe seven figures out of these folks and there insurance company”? I’ve seen it happen time and time again. CYA!!!