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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 things simply happen. But there are other instances in which liability claims are the result of actions that were so ill-conceived or foolhardy that a claim was utterly predictable.

Eventually such incredulous behavior leads to a lawsuit, which leads to an insurance claim —which leads to a coverage dispute, which leads to a reported decision, which leads to the final stage of this insurance circle of life: an appearance in my “Coverage for Dummies” Hall of Fame.

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