For the past eight Januaries I have published an article called“Coverage for Dummies.” It's a review of the most notable cases,from the year just concluded involving people who did, well, reallydumb stuff, and then turned around and sought insurance coveragefor their consequences.

Liability insurance is, by definition, a product that providesfinancial protection when things don't turn out as planned. Most ofthe time when this occurs it's simply a case of bad luck orbecause, well, stuff just happens. But there are other times whenliability claims are the result of peoples' actions that were soill-conceived or foolhardy that a claim was as predictable as dayfollowing night.

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