Quote:
Originally Posted by BroadHopper
Laws are written so that trespassers are at their own risks! So it has not been a problem in NH. Some a$$hat tried to sue the farm because a family member tripped on an animal hole and tried to sue for medical and 'mental' bills. The court determined the hole was a naturally occurring event and the claim is mute. The poor guy had to pay for all the court-related expenses for his stupidity. Live free and learn.
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The guy's lawyer should have told him he had no case. Generally, NH law allows use of private land without liability. The intent is to encourage hiking, hunting, snowmobiling, etc. Without this free protection, we'd lose a high percentage of our outdoor recreation industries and we'd lose the hunter's assistance in herd management.
Mostly, extending liability coverage to second locations, vacant land, is no charge as long as you call the carrier to make the addition. A picnic table or a hunter's stand may or may not make the site vacant. There is a difference between vacant and unoccupied, so you need to know how your carrier approaches this. Same with umbrella policies. Some require the underlying coverage, say auto, or boat, to be in place or the umbrella doesn't kick in at all. Others require that the underlying coverage and the umbrella be with the same company so they have control from the first dollar. No umbrella carrier wants the underlying carrier to say "This is a loser" and just pay the underlying, jeopardizing the million. We usually talk about a $1MM umbrella, but these days, if you own a couple of cars, two homes and a boat, $1MM isn't enough.