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You should also never walk on a sidewalk, for fear of bumping into someone who trips and falls and sues you for personal negligence. You may be safe if you insu

You should also never walk on a sidewalk, for fear of bumping into someone who trips and falls and sues you for personal negligence. You may be safe if you insure for this, though. Ask your Attorney.

sharemywin 10y ago
wonder if a general liability policy would cover this sort of thing although they would probably just settle. of course they might show up with an army of lawyers.
- Declanomous 10y ago
  An umbrella policy for general liability seems like it could be really useful. They typically cover rather large sums of money, in excess of one million dollars, and they aren't terribly expensive. I can imagine someone suing over a misunderstanding because of an X/Y problem. Person A asks a really obtuse programming question, Person B answers it literally, and then Person A goes on to use Person B's answer to build a nuclear reactor controlled by a raspi. Person B then gets sued by Person A when it melts down. Obviously that is a bit of an exaggeration, but it isn't hard to imagine a point in the future where programmers will be held to the same standards as certified professionals such as lawyers, doctors, and engineers. While it's really unlikely any particular programmer will be sued over advice they gave online, it would really horrible to be the person that someone chose to make an example of.
  - ryandrake 10y ago
    Navigating into off-topic waters: Where would one go about obtaining such an "umbrella" policy? Just call up the same company that you buy your car insurance from? How do they price this? Do they probe your life to see how risky you are ("ooh, you have a tile floor which is easier to slip and fall on, that'll be $X extra per month!)
    - ryan-c 10y ago
      Most insurance companies offer them. You will have to raise the liability limits on your car insurance to the maximums if you have a car. I don't think they do any sort of risk assessment specifically for the umbrella policy.
    - deleted 10y ago
      [deleted]
  - sokoloff 10y ago
    Most personal umbrella policies exclude professional, business property, or business liability. At least mine does.
- jkot 10y ago
  In this case it would not help. He got sued and did not cooperate with court, insurance would not cover that.

You should also never walk on a sidewalk, for fear of bumping into someone who trips and falls and sues you for personal negligence. You may be safe if you insure for this, though. Ask your Attorney.

sharemywin 10y ago

wonder if a general liability policy would cover this sort of thing although they would probably just settle. of course they might show up with an army of lawyers.

Declanomous 10y ago
An umbrella policy for general liability seems like it could be really useful. They typically cover rather large sums of money, in excess of one million dollars, and they aren't terribly expensive. I can imagine someone suing over a misunderstanding because of an X/Y problem. Person A asks a really obtuse programming question, Person B answers it literally, and then Person A goes on to use Person B's answer to build a nuclear reactor controlled by a raspi. Person B then gets sued by Person A when it melts down. Obviously that is a bit of an exaggeration, but it isn't hard to imagine a point in the future where programmers will be held to the same standards as certified professionals such as lawyers, doctors, and engineers. While it's really unlikely any particular programmer will be sued over advice they gave online, it would really horrible to be the person that someone chose to make an example of.
- ryandrake 10y ago
  Navigating into off-topic waters: Where would one go about obtaining such an "umbrella" policy? Just call up the same company that you buy your car insurance from? How do they price this? Do they probe your life to see how risky you are ("ooh, you have a tile floor which is easier to slip and fall on, that'll be $X extra per month!)
  - ryan-c 10y ago
    Most insurance companies offer them. You will have to raise the liability limits on your car insurance to the maximums if you have a car. I don't think they do any sort of risk assessment specifically for the umbrella policy.
  - deleted 10y ago
    [deleted]
- sokoloff 10y ago
  Most personal umbrella policies exclude professional, business property, or business liability. At least mine does.
jkot 10y ago
In this case it would not help. He got sued and did not cooperate with court, insurance would not cover that.