A waiver and an insurance policy do different work. A signed waiver is a contract term that may support a defense, and whether it is enforceable in a given situation is a legal question that depends on the wording and the circumstances, which makes it a matter for counsel rather than for a web page. Insurance is what funds a defense and a settlement or judgment when a claim is made regardless of the waiver. Review your individual needs with a licensed agent who can see your actual policies.
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