The Laser is all paid for and on order. Expected ship date is by mid-February at the latest.
I love it when people play along.
From an email from our soon-to-be insurance agent:
“…on the liability side, it covers property damage and bodily injury due to your negligence.
On the example you presented, there could be some coverage the building if laser becomes sentient in a robot uprising but it depends on if you are negligent. Did you teach the robot how to think? Did you inadvertently make it dislike the building so it decides to destroy it?
Normally what happens if the laser explodes, etc. is the property section of your policy will pay for damage to your owned property and the building owner’s policy will pay for damage to his building (and personal property if covered). However, your liability may respond if you are deemed negligent.”
How could I *not* choose them?