Black Swans Exist…

  • You or a family member are at-fault in an auto or boating accident
  • Someone slips and falls on your property
  • It’s raining and you “rear-end” a stopped car. The driver of the car that is hit has a neck injury.
  • Another driver hits you and they don’t have insurance or have inadequate limits given your injuries and expected loss of income.
  • Your teenager posts a message and photos online with disparaging remarks about an individual or business.  You are accused of libel or slander.
  • Someone has one too many at a holiday party and is involved in an accident
  • A worker or household employee is injured on your property
  • Your dog causes an injury to someone
  • Your teen is in an at-fault accident and the best friend is seriously injured.  The friend’s previously bright future is now in jeopardy.
  • You shank the golf ball and it hits the surgeon on another fairway.  He can no longer practice medicine.
  • The wind carried those July 4th bottle rockets too far and a neighbor’s property catches fire
  • You donate your time to a not-for-profit board.  A pool installed by the board has a faulty diving board, and a neighbor’s child is hurt.
  • A group of kids trespass while you are away and one of them is severely injured while diving into the shallow end of your pool
  • Your nanny or other household employee accuses you of discrimination, sexual harassment, or wrongful termination
  • The possibilities are infinite and resolution is in the hands of the court where you are sued.