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, really dumb stuff, and then turned around and sought insurance coverage for their consequences. 

Liability insurance is, by definition, a product that provides financial protection when things don’t turn out as planned. Most of the time when this occurs it’s simply a case of bad luck or because, well, stuff just happens. But there are other times when liability claims are the result of peoples’ actions that were so ill-conceived or foolhardy that a claim was as predictable as day following night.

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