When people ask about liability coverage, many times they ask, “does this cover me for EVERYTHING”? Well first of all, no insurance covers you for everything! But what is really important to understand, is that there must be liability, you must be liable in order for the insurance to pay. And usually there has to be negligence. Your best course of action it to be diligent about safety. If you have a loose board on your deck, fix it. If there are tools or equipment laying around where someone could trip and fall, pick them up. Put anything potentially poisonous on a high shelf (garages are full of these things). Accidents happen, but it’s always nice to know you did everything possible to protect those around you. If there is ever a question about an accident or injury that happened where you might be held liable, call us right away to discuss!