[Scott S]

See if you can beat this, I loaned my dad a piece of heavy equipment and told him he would have to insure it while it was in his possession as my insurance company would not.

While he was running the machine it caught fire and became totaled. The insurance company paid him several large to cover the loss and my dad kept the money. He told me it was his money because he bought the insurance.

I don't loan out as much as a screwdriver to him or anyone else since then.