I kind of expected (hoped) the majority of lawsuits would not be tenant against landlord for injury...although we did have a second story deck collapse here, I belive on a rental unit.  

The Builder should have "General Liability" (bodily injury & property damage liability). 

Not many BP members in our neck of the woods. 

They offered no compassion for my situation and instead decided to withhold essential components of the course, leaving me in a precarious position.Adding insult to injury, the course’s foundation hinges on gaining access to the multiple listing service, a privilege primarily available to licensed agents or brokers.

Immediate body harm, life injury, and or property damage was a high risk.

I recently came across an INDEXED  UNIVERSAL LIFE INSURANCE POLICY as far as i understand it, just recently became available to the general public (used to only be available for the already wealthy) that I purchased for myself through a business so its a tax write off. its Indexd meaning it goes up when the market goes up but stays even when the market goes down, (no losses in value)sure it might "only make" about 6-7% and you could potentially make more money in another investmet, but along with the Death Benefit there are also Living Benefits, for illness or injury, which is a great hedge in an event someone become incapacitated in any way their family is still taken care of financially. thats the "isnurance" part of it that pays out "incase"after I think 1-2 years of "loading it" it becomes very Liquid ..you can become your own personal Bank and borrow your investment from yourself, you`ll have to pay it back to yourself, but you again get the interest write off.at the end of your retirement when you end up taking out your money out as "loan to yourself" instead of a draw so it not Taxed as income , essentially "Tax Free" I also understand that banks when lending also count your insurance policys cash value as an asset.which could help with loans from themI was really impressed with how it was presented and was so far one of the best "off the shelf"  retirement investment vehicles (compared to say a Roth IRA) im sure i left a few things out but thats how i understand an indexed universal life insurance policyyou can also "load it" pretty heavily evey year compared something like a Roth Ira which only allows you to load a max of 6k a year?

Grand Forks/Fargo are a bit beyond my reach.Any other thoughts/strategies for your neck of the woods this year?

I have homeowner's insurance and they do cover injury.

For liability issues I feel like people can injury themselves in a number of ways like take a tumble down the stairs or burn their hand on stovetop so a simple treadmill doesn't seem too dangerous to me? 

It just feels like there'll always be something hanging on my neck.