Be prepared - it could just happen
In 2010, Mike Edwards (a founder member of the famous group ELO) was driving his van through the Devon countryside totally unaware that a round hay bale was careering downhill towards him. Seconds later, he was dead. The bale had landed on the roof of the van, crushing it and him in the process. The bale weighed (as they all do presumably) roughly 280KG. Mike Edwards suffered numerous injuries and died as a result.
The owner of the farm and the baling contractor have waited one year and, in Autumn 2011, were facing various charges under the Health & Safety (Offences) Act 2008.
http://mashed08.backnetwork.com/feeds/post.aspx?postid=782 will give you more detail.
Before you consider cancelling your business insurance in order to save money, just consider whether you could say 'I have never had a claim so I never will'. The lesson of Mike Edwards is 'never say never'
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