pointrow - 2/16/2012 17:24

My point was that we all are exposed to liability in ways we wouldn't possibly think of when we meet with our insurance agents. To think you will cover everything when the policy is written would be naive. But if you have a good solid company that you have insurance with they will cover you for that freak out of the ordinary exposure that could occur.
Example: I have had an atv in one form or another for 30 years and have treated it as just another farm tractor. A local insurance agent ask if he could quote me my ins and I let him. He saw the Gator sitting in the lot and first thing he says it will have to be on a special line of coverage at  $175 per year. So I ask my current agent and he ask if I ever haul it someplace for enjoyment ridding and when I said no he said it was covered like a farm tractor. Same way with tiling if it is a couple time a year for some one else it would  be covered but if the insurance co is asked they will want a special policy at big bucks.
 Your agent will know what will be covered and what won't be with out waving a big flag to the parent company.