In February, when PropertyCasualty360.com ran a story about a kooky family-run business that was selling faux zombie insurance, I was fairly certain it was tongue-in-cheek. Now I'm not so certain.

In late May, in a story that made worldwide headlines, a man in Miami was shot and killed by police while he was in the act of chewing off a homeless man's face. By any accounts the story is horrific, but the particulars of the case make it especially chilling—since after having warning shots fired at him by the cops, the guy looked up, growled, and kept on chewing.

It turns out the assailant was likely high on the synthetic street drug known as “bath salts” at the time of the assault. And that's a story unto itself, because “bath salts” are technically legal—which it would seem could open up a big can of liability for an unsuspecting purveyor.

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