Liability insurance is business necessity. No doubt.
However, I firmly believe that it should not replace medical insurance and that medical insurance should be covering Johnny's tooth he knocked out after being told 18000 times to stop jumping on toys. I think it's ludicrous that just because Johnny's on my property, my insurance should pay for it and my premiums be affected especially when I took all the steps within my ability to prevent it.

It's not the way I was raised (make everyone else pay for your mistakes). I know others feel differently and it should just be a part of doing business. I don't feel that way.

So, someone asking if I have liability, makes me feel they are relying on it and looking to make a claim with any/every little thing that happens.

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