Welcome to the bustling of activity that is fall–back to school, football, cooler days and the inevitable countdown of shopping days until Christmas. But for just one more moment, let's hold on to that summer conceit musically expressed from Mungo Jerry to George Gershwin that life can be slower, simpler, and a little extra time spent wisely now will pay off in numerous ways later.
Consider the seemingly complicated insurance query recently winged my way by alert reader Pam. She writes:
We have an interesting situation. One of our insureds is a Boy Scout troop leader and there are multiple leaders in the group. They have several trailers and a lot of camping gear, including canoes (some canoes belong to the troops, some to the city, some to private individuals). The leaders use the trailers at random (they just pick one and go), and pull the canoes and camping gear. They are trying to decide who should be insuring what, and the correct way to make sure everything is covered. Can you help us sort this, or at least point us in the right direction?
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