Yup, our farm has an umbrella policy. A number of years ago we had a renter in the farm house who had a 7 year old boy. He loved being in the barn and helping out. One night while Dad was milking and letting them out as he was going along, the boy was allowed to untie some of the tamer ones. At the end, Dad told him to wait while he went in the milk house.
The boy didn't, and proceeded to untie on of the last cows. We use bale twine around their necks in a tie stall barn. He grabbed the twine and then the cown brought her head up & over, twisting it around the boys finger. He screamed because it hurt, she pulled because he screamed. He screamed louder and she pulled harder, eventually pulling the tip of his right index finger right off at the knuckle.
Our insurance paid for the medical. At first they thought he was being paid o be out there, which changes the whole scope of the scenario, but after some back & forth we got it through their heads that he wasn't being paid in any way shape or form and it was just an accident.
That was close to 20 years ago now, shortly after the dad moved back to Missouri (had to evict him cause he couldn't make rent, and his family wouldn't bail him out) and I haven't seen or heard anything of the boy since then.
He could have put us over a barrel, but thankfully he was understanding and nice about it, and lets face it, a little dumb. He could have sued us and probably made a nice chunk to cover rent for a while and dig himself out at his kids expense.
Thankfully, nothing much came of it.
A 2nd cousin had a 14 year old employee not listen to him and got his leg wrapped around an auger in a feed bunk at the bottom of a silo. He got a very nice settlement out of that one...
This same cousin was attacked by a bull and put in intensive care for over a month (flight for life, the whole 9 yards)
A couple years later when he was back on his feet and woking again, he was sharpening the knives on his flail chopper underneath it with an angle grinder. Something broke (possibly the clevis on the cylinder) and it crushed him, suffocating him. That was about 5 years ago and that's what finally did him in.
He tried, but he seemed to be accident prone and that's what eventually got him.
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