YOU host a graduation party at your farm. The festivities turn tragic when a barn collapse injures a dozen teens, several seriously. Other parents sue you. Without liability insurance, you may be personally liable. "Liability insurance protects against liability lawsuits by providing coverage for farm, business, personal or auto exposures," says Brett Harman, president of Nationwide Agribusiness Insurance, Des Moines, Iowa. "Liability insurance helps protect your assets from lawsuits that may cost millions of dollars. It can help prevent losing your farm, business, home, property or investments."
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