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Snow Shoveling

people are out there who might, I have experienced a different but frivolous slip and fall type claim and do keep an umbrella policy on top of all the other insurances most everyone has in place

I dislike insurance premiums but keep the umbrella only due to this litigious society

Other countries are astounded at how America works. In the US, it's free of charge to find some butthole lawyer to take up your case. You lose, no biggie. You win or settle, jackpot!

Most civilized countries require payment up front. If you lose, you're out that money. Oh, and you usually have to cover the other person's legal costs if you lose, also.
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