I often break it down into the "five pillars" of protecting your assets.1st pillar is avoiding unnecessary and risky activities (don't drink and drive, insurance generally won’t cover your poor decisions) and take good care of your investments - these simple steps will help you prevent lawsuits before they even occur.2nd pillar is a good insurance policy as that cover the majority of your exposure.

BUT what do you do when they are drinking and drop a loaded rifle?

Don't care if its over coffee in the middle of the day or drinks during happy hour.  

If you are serious about networking we need to get together over coffee or drinks to talk to each other.  

No wonder it has been awarded the Commander-in-Chief’s Award for Installation Excellence six times.We all know about the drinking water.

Backstory of “THE Backyard”Besides spending time with my kids and sipping fruity umbrella drinks in exotic locales, few things I enjoy more than getting a call from someone in our ever expanding network of Real Estate Agents and Wholesalers to DROP what I’m doing to go check out a killer deal!

THEN sit back, crack a beer (or whatever you're preferred drink of choice) and watch the responses roll in.

I had a somewhat similar issue with an outside faucet that homeless of Fort Lauderdale would come to use for drinking/bathing. 

If your husband is going into a rage sober, things could be worse when he comes home from the bar from drinking. 

It is only the practice of doing it while drinking high caffeinated coffee that makes one feel good about the process and falsely productive.