Any insurance guys in here ?

[atc007]

I'm gonna be getting an umbrella policy. Only makes sense in this day and age. I understand just going in green,it should be around a dollar a day. Anyone have one,and what are you paying if you don't mind sharing? As long as I'm at it,I'm going big. But just wondering if anyone here knows much about them. Thanx !

[tri again]

Hi

Just got off the tractor getting ready for our first 2 day festival so thoughts are scattered.

Generally, I keep 100 - 300 on my car MEDICAL.
it costs 6 bucks more every 6 months and is very dfferent than liability.
but pays medical bills for enyone hurt up to 100 freakin grand but they don't want us to know that it's the cheapest insurance there is if someone gets hurt.

For event liability we carry 2 million and it's around 300 per event with tail coverage. (twisted ankle hurts 6 months later).

Unbrella is so cheap we all have it and NO one can tell us what it does except cover the bs that none of the other policies do.

I'd like some straight answers too Bill.

I filed an LLC ( 50 bucks) so that personal property is not involved and everything is in a living trust so techincally I do NOT own the place.
It ASLO got me over 20 grand in credit offers since I am now an LLC, not just silly me.

Drunks can sue the business or the fencepost if they get hurt but my personal property is kinda safe, so the say.

Depends on how many layers of insulation you need.

I think I sent you my phone but it's 541 9 three five
four 2 zero six. Collect calls are not a problem.

I'd also make sure you're homestead coverage is in force.
Yes, you can file a homestead claim on property you own.

If you didn't fillout the form, you may not have 'homestead' coverage,
usually described as some sort of constitutional rights to your own property
dating back to the orig land grant.
an ALLODIAL title is also cool as can be.
It gives you rights to your property, again, back to the orig land grant from the king of england, and even the irs can't take it away.

and lastly, since I smell like gas and oil and pollen and dust,
my friend the lawyer said I should SC&^$ myself.

What he meant to say was I should SUE myself.

If I file a claim against my self for say, 50 grand for road building etc,
I am in first position lein holder position so that the only way someone can sue me and take everything is IF I satisfy my lein against myself as first position lein holder..
wait maybe e did say I should screw myself...but you get the point.
Lots o' lawers out there, fresh outta school and then again, if someone DOES get hurt, we want limousine / medivac helicopter top shelf coverage.

Anyway, prob more than you wanted to hear but my ears and brain are still ringing from the 47 deere and wondering what could possible go wrong this weekend with hundreds and hundreds of concert goers everywhere.

edt:
also consider filing a mining claim on your own property.
You may own it but exxon could feasibly drill for oil on your property if they (or someone else) has the mineral rights.

Mineral rights also gives you the right to build and dig anything you want to do on you own property.

Cheaper than a building permit for a new garage fer sure.

[tri again]

edit again:

Last resort is to file a 501 (c) (3) non profit.

MANY more resourses for grants and info and you can still pull 6 figures.

I've been close to file a godbless'es church so we can have a gthering here anytime we want.
Weddings, funerals etc

The county and state can sue us but...
a) they will never win and
b)they will look stupid when it its the papers.

PS _ the U of Oregon Grads are doing a benefit concert for the Boston Maraton victims and I actually DARE the county to give us any crap about it.

Almost like a battle of whitts with unarmed individuals.

Best of luck, gets Lots if info '/ advice / quotes.
I seem to have too much of an attitude to be objective this time of year.
Sorry for the ramble, just be careful and be covered.

[atc007]

Smart man Tri again :). It's just so impossible to know all the answers,,even the lawyers and politicians that dream all this crap up don''t know all the loopholes!! I find myself where in the very near future I too will be getting way too intimate with ALL this crap with oil and gas industry moving in. Believe me, I WILL be looking into that mining permit ! My friend/neighbor has one,but because they have a huge quarry. My Sisters already been thru all of it. But every circumstance is so different in how we have to apply the "laws",or lack there of. Friggin filthy lawyer/politician driven crooked business. ......... sigh..... But for beginners I'm gonna carry a BIG umbrella lol ! Hearing quotes of $3 a day for $5,000,000 in coverage. A lot of money,,,but if I ever needed it ....Wish I could make your festival! Make it a good one my friend :)

[tri again]

We made it.

The kids are taking down the stage today so I'll
see if I can post a couple pix.

Yeah, I had some friends in Calif who bought some acreage in the
Santa Cruz mtns.
There are a few places up there near La Honda and Alice's
Restaurant that have oil wells.
Nothin huge, a barrel or 2 a day but still worth it.

Anyway, a few weeks after they bought their house,
some heavy equipment came down their driveway and when
the lady of the house said they had just BOUGHT the place,
they guy says, "yeah, but we own the mineral rights".

Never got the end of the story but surely more headaches and
paperwork and surprizes than anyone could ask for.

Mineral rights are laced with oddities and every state is different.
I could file a claim on almost any BLM land but that is changing too.

I had 2 contiguous 20 acre claims when my gaughter was little but it was mostly for a nice place to camp for 20 bucks a year altho we'd
pull enough gold in a few hrs to make some jewelry and memories.

Now mineral rights don't have to be gold or oil.
Could be smelly 'spa' water or something to bottle and sell.
There are / were people in the BLM office filing claims on ANYthing
they could get their hands on just in case someone else wanted them
in the future.
Claims that expired or were forgotten about etc.
so for a few hunderd bucks, they could tie up hundreds of acres
in the hopes that someone would want to BUY their mineral rights.

Welp?
I'm hearing trucks so I better go check on the kidz.

Gettin' too old to deal with all the paperwork of psychosis and as you said,
even the lawyers don't know what's going on.
...and in a lot of states, judges do NOT have to be lawyers.
They just get appointed and given a wooden hammer.